In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
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NAB Rewards Signature Card
Terms and conditions apply
Bonus points
Purchase rate
20.99% p.a.
Reward points per $ spent
Annual fee
$288 p.a.

Our verdict

Offers up to 180,000 bonus NAB Rewards Points and no international transaction fees, with a $24 monthly fee.

The NAB Rewards Signature Credit Card is suited to big spenders and earners, with a high minimum credit limit of $15,000 and up to 3 points per $1 on purchases made online with Webjet. With the bonus points offer, you'll get 130,000 bonus NAB Rewards Points when you spend $3,000 on everyday purchases in the first 60 days from account opening and another 50,000 bonus points if you keep the card open for over 12 months.


  • Up to 180,000 bonus NAB Rewards Points
  • 0% international transaction fees
  • 3 NAB Rewards Points per $1 made online with Webjet
  • Complimentary delayed flight lounge pass
  • 0% p.a. on balance transfers for 12 months


  • Need to keep the card for at least 12 months to get the full amount of bonus points
  • Need to spend at least $5,000 in a statement period for the $24 monthly fee to be reversed
  • Balance transfer offer has a 3% balance transfer fee

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews

The NAB Rewards Signature has one of the biggest bonus points offers on the market and earns 1.5 NAB Rewards Points per $1 on eligible purchases up to $15,000 per month, then 0.5 points per $1 thereafter (uncapped). It also has higher rates of up to 3 points per $1 for online purchases made with Webjet. Rewards include gift cards, retail items, cash back and point transfers to Velocity Frequent Flyer, Asia Miles, Singapore Airlines KrisFlyer, Air New Zealand Airpoints, Flybuys and Accor Live Limitless (ALL). It also offers perks similar to what you can get with other premium credit cards, including a concierge service and Visa Premium offers. Weighing the value of these features against the card's monthly fee can help you decide if it's right for you.


Product details

Product Name NAB Rewards Signature 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.
Interest-free period
Up to 44 days on purchases
Cash advance rate p.a. 21.74%
Min credit limit $15,000
Max credit limit $75,000
Card type Visa


Available to temporary residents Yes - Conditions apply
Joint application No


Rewards program NAB Rewards
Bonus points 180,000
Rewards points per $ spent 1.5


Annual fee
Minimum monthly repayment 2% of the closing balance or $25, whichever is greater
Late payment fee $15
Foreign currency conversion fee
Cash advance fee 3% or $3, whichever is greater
Overseas ATM withdrawal fee $5
Number of additional cardholders 1

How to apply

You can apply for this card online in about 15 minutes and get a response in around 60 seconds. Before you start, check if you meet the eligibility requirements and have the necessary information ready to complete the application:

Eligibility criteria

  • New cardholder. To be eligible for the bonus points offer, you must be a new customer. This means you cannot hold or have held a NAB Rewards card in the previous 18 months.
  • Australian residency status. 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.

Card benefits

  • Bonus points offer. You'll get 130,000 bonus NAB Rewards Points when you spend $3,000 on everyday purchases within 60 days of opening the account. These points will be credited to your account within 3 months of meeting the spend requirement. The other 50,000 bonus points will be credited in the 13th month, which means you need to keep your account open. There's no specified expiry date for this offer, but NAB may vary or end it at any time.
  • 0% international transaction fees. There is no fee for paying with this card overseas or online with a business that's based overseas. This can save you 2–3% on foreign transaction fees charged by some credit and debit cards.

Rates & fees

  • Monthly fee. This card has a $24 monthly fee, which is reversed if you spend at least $5,000 in a statement period.
  • Purchase rate. The purchase rate on this card is 20.99% p.a. If you regularly pay less than the total shown on each statement, you may want to consider a low rate credit card that charges 15% p.a. or less.

Your reviews

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