The NAB Rewards Platinum Credit Card offers a 24/7 concierge that can help you save time on travel planning, entertainment bookings, gift purchases and more. When you make purchases with this card, you can also get up to 44 interest-free days on purchases by paying the total amount listed on your statement by the due date. Otherwise, the card's 20.99% p.a. variable purchase rate applies.
NAB Rewards Platinum Card
- Balance transfer rate for 12 months with 3% balance transfer fee
- 0% p.a.
- Bonus points
- 100,000
- Purchase rate
- 20.99% p.a.
- Reward point per $ spent
- 1
Our verdict
Offers up to 100,000 bonus NAB Rewards Points and a discounted $45 annual fee in the first year, which goes to $195 after that.
Pros
-
Up to 100,000 bonus NAB Rewards Points
-
Discounted $45 first-year annual fee
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Earn additional 0.5 NAB Rewards Points per $1 spent at eligible grocery stores
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Visa Premium Access and a 24/7 access to the NAB Platinum Concierge Services
-
0% p.a. interest rate on balance transfers for 12 months
Cons
-
You need to keep the card for at least 12 months to collect all the bonus points, which means you’ll have to pay the second year annual fee
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3% international transaction fee
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Balance transfer offer has a 3% balance transfer fee
Details
Product details
Product Name | NAB Rewards Platinum Card |
Balance transfer rate p.a. | 0% for 12 months with 3% balance transfer fee, then 21.74% |
Balance transfer limit | 90% of available limit |
Purchase rate p.a. | Purchase rate p.a. 20.99% |
Interest-free period | Up to 44 days on purchases |
Cash advance rate p.a. | 21.74% |
Min credit limit | $6,000 |
Max credit limit | $30,000 |
Card type | Visa |
Eligibility
Available to temporary residents | Yes - Conditions apply |
Joint application | No |
Rewards
Rewards program | NAB Rewards |
Bonus points | 100,000 |
Rewards points per $ spent | 1 |
Fees
Annual fee | Annual fee $45 first year ($195 after) |
Minimum monthly repayment | 2% of the closing balance or $25, whichever is greater |
Late payment fee | $15 |
Foreign currency conversion fee | Foreign currency conversion fee 3% |
Cash advance fee | 3% or $3, whichever is greater |
Overseas ATM withdrawal fee | $5 |
Additional cardholder fee | $0 |
Number of additional cardholders | 1 |
Your reviews
Amy Finder
Editor
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Angus Kidman Finder
September 23, 2024
Hi Ravi, car insurance payments would qualify as everyday purchases if your insurer allows you to pay them via credit card – not all of them do. Also compulsory payments (such as CTP green slips in NSW) might be classified as “government expenditure” and not qualify. Hope that helps!
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BK
June 01, 2018
HOW MUCH YEARLY INCOME IS REQUIRED FOR A NAB CREDIT CARD WITH 60000 TO 100000 QANTAS FREQUENT FLYER POINTS
Nikki Angco
June 01, 2018
Hi BK,
Thanks for getting in touch!
As per the application requirements of NAB Rewards Platinum Card:
Employment details. 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.
Regarding the amount of income required, this will be reviewed by the bank. If you wish to apply, you may ask if your income is suffice to apply for this credit card.
Hope this clarifies!
Thanks,
Nikki
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Dinesh
October 20, 2017
I have book a flight through Nab Platinum Card for my Son who is my dependent and he is travelling alone, Is he covered if I paid his ticket through my Card.
Maria
October 20, 2017
Hi Dinesh,
Thank you for reaching out to Finder.
Your son would have to travel with you to be covered under the complimentary travel insurance policy of your NAB Rewards Platinum Card. You may want to check the other eligibility requirements from our complete guide to NAB Complimentary Travel Insurance.
Best,
Maria
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Ben
June 28, 2017
Hi, I booked a trip overseas for myself and my wife paying with my Platinum NAB card. Are we both covered for travel insurance, and where can I get the documentation to print out?
Thanks
Ben
Jonathan
June 29, 2017
Hi Ben!
Please refer to the Overview of Travel and Medical Insurance Cover by NAB Rewards Card:
You may access the benefit of this Overseas travel and medical insurance cover:
1. if you meet the eligibility criteria; and
2. the loss or damage occurs during the period of cover.
Eligibility criteria
1. You were ninety (90) years of age or under before the date of departure for your trip; and
2. You (or the accompanying NAB Cardholder) had purchased on a NAB card a minimum of $500* (inclusive of taxes and other charges) of pre-booked transport costs (airfares and/or cruise) and/or land content (tours, hire cars or other hired transport and accommodation) prior to the commencement of the trip. The purchase must be debited to a NAB Card prior to your departure from Australia. The purchase must also have been transacted in one of the following ways: – If using your NAB Credit Card – purchases using your credit card facility directly charged by the merchant or using the linked PayPal account; or – If using your NAB Gold Visa Debit Card – purchases using your debit card either by using the physical card or by providing the debit card number when paying for your purchases or using linked PayPal account.
Usually, QBE will respond to requests from NAB Cardholders seeking a policy number by providing a letter of eligibility which sets out: (a) the NAB Cards Insurances policy number; and (b) the eligibility criteria.
You can go click “Go to Site” of this page. Once redirected to NAB website, look for “Important Information” and download the Product Disclosure Statement of NAB Insurance Policy to get the full details and QBE Hotline.
Hope this helps.
Cheers,
Jonathan
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Wei
June 24, 2017
Hi,
If i made an online purchase from an international seller (eg: amazon) what would the charges be?
Thank you.
Rench Finder
June 24, 2017
Hi Wei,
Thanks for your inquiry.
There are no charges if you will be using your NAB Rewards Platinum Card when purchasing through international sellers/online stores, like Amazon. You will be informed by the seller/store if there are any fees that will include in your purchase. It should show the rundown and total of your purchase on the provided online receipt.
Cheers,
Rench
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Ravi
May 06, 2024
For the bonus points offer, what is included in everyday purchase? Can it include a car insurance payment?