NAB Rewards Platinum Card – Velocity Points

• Residency. You can apply if you're an Australian citizen or permanent resident. If you are not a citizen or permanent resident, you will need to have an acceptable visa. Many visas are acceptable but the following are not: Visitor Visa (exception, a Special Category Visa - NZ Citizen is acceptable), Working Holiday, Student, Exchange/gap year, Transit/short stay/seasonal, and Bridging.
• Eligible balance transfer debt. You can transfer up to 90% of your approved credit limit from non-NAB accounts.
• Age. You must be at least 18 years old to apply.

Required documents

• Personal information. This includes your full name, date of birth, marital status, residential address, email address and contact number. You're also required to provide identification, such as your driver's licence number.
• Employment. This includes your employer's name and contact details, your role and the length of time you've worked there. You'll also need to provide details of your salary and may be asked to submit recent payslips or bank statements.
• Finances. As well as your income, this includes details of any assets such as savings, shares or investments. You'll also need to provide information about existing cards, loans, other debts and ongoing financial responsibilities and expenses (ie groceries and fuel).
• Balance transfer details. If you're conducting a balance transfer, you'll need to include how much you're moving and your previous account details.

• Points per $1 spent. You can get your NAB Rewards Points automatically converted to Velocity Points by providing your Velocity Frequent Flyer membership number. You'll earn 1 NAB Rewards Point per $1 spent on eligible purchases. NAB Rewards Points convert to Velocity Points at a rate of 2:1, meaning 1 NAB Rewards Point is half a Velocity Point. You can also earn 1 additional NAB Rewards Point for every dollar spent on online purchases made with Webjet via the NAB Rewards Store or Webjet's website. Webjet booking terms and conditions apply. You can also earn additional 0.5 NAB Rewards Points per $1 spent at eligible grocery stores (an eligible grocery store is a merchant whose MCC is designated as 5411 Grocery Stores and there are exclusions including purchases made via PayPal or food delivery platforms). Other conditions apply. NAB Rewards Points convert to Velocity Points at a rate of 2 NAB Rewards Points to 1 Velocity Point.
• Balance transfer offer. This card offers a balance transfer rate of 0% p.a. for the first 12 months when you apply online before 31 July 2025. A one-time balance transfer fee of 3% applies. At the end of the introductory period, any remaining balance from your transfer will attract the variable cash advance rate.
• NAB Concierge. Your 24/7 concierge service can help you with tasks such as travel planning and bookings, entertainment tickets, flower deliveries and restaurant recommendations and bookings.
• Visa benefits. The NAB Rewards Platinum Card offers contactless payments via Visa payWave, exclusive ticket and experience offers through Visa Offers + Perks, and extra security online through Visa Secure. As a platinum card, you also gain access to a variety of premium Visa benefits, including priority access to pre-released tickets through Visa Front Line.
• Mobile wallets. You can link your NAB credit card with Samsung Pay, Apple Pay, Google Pay, Fitbit Pay or Garmin Pay to make contactless payments using your qualifying device at the checkout.

• Interest-free days. Receive up to 44 interest-free days on purchases when you pay your balance in full, or if your statement shows an interest free days amount, in full, by the statement due date.
• Cash advance rate. The variable rate for cash advance transactions is 21.74% p.a.
• Cash advance fee. If you use the NAB Rewards Platinum Card to withdraw cash or for another type of cash equivalent transaction, you'll pay a fee of 3.5% of the transaction amount or $3.50, whichever is greater.
• Credit limits. This card has a minimum credit limit of $6,000 and a maximum credit limit of $30,000.
• International transaction fee. When you use this card for foreign currency transactions (such as shopping overseas or online with an international merchant), a fee worth 3.5% of the total Australian dollar amount applies.