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Bonus points: 110,000
Purchase rate: 20.99% p.a.
Reward points per $ spent: 1.5
Annual fee: $420 p.a.

Our verdict

Offers 110,000 bonus NAB Rewards Points and no international transaction fees, with a $35 monthly fee.

Finder Awards 2025 winner

Customer Satisfaction Award

The NAB Rewards Signature Credit Card is suited to big spenders and earners, with a high minimum credit limit of $15,000. With the bonus points offer, you'll get 110,000 bonus NAB Rewards Points when you spend $5,000 on everyday purchases in the first 90 days from account opening. You could also transfer these points and get 90,000 Velocity Points if converted by Velocity members.

It 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 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, Cathay Membership Programme, Singapore Airlines, Air New Zealand and Flybuys. 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.

To give you an idea of the potential value, [nb:value niche_code="AUCCF" record_type="PRODUCT" record_id="e63c3485-d1f1-40a0-a577-313f0954b6bc" field="REWARDS.REWARDS_POINTS_SIGNUP" decorator="GLOBAL.VALUE.NUMBER"] NAB Rewards Points is worth $880 in gift card rewards, or 90,000 Velocity Points if converted by Velocity members.

Pros

110,000 bonus NAB Rewards Points
0% international transaction fees
3 NAB Rewards Points per $1 made online with Webjet

Cons

Balance transfer offer has a 3% balance transfer fee
Need to spend at least $5,000 in a statement period for the $35 monthly fee to be reversed

Details

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.	Purchase rate p.a.20.99%
Interest-free days	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

Eligibility

Available to temporary residents	Yes - Conditions apply
Joint application	No

Rewards

Rewards program	NAB Rewards / Velocity Frequent Flyer
Bonus points	110,000
Rewards points per $ spent	1.5

Fees

Annual fee	$420
Minimum monthly repayment	2% of the closing balance or $25, whichever is greater
Late payment fee	$20
Foreign currency conversion fee	0%
Cash advance fee	3.5% of transaction value or $3.50, whichever is greater
Overseas ATM withdrawal fee	$5
Number of additional cardholders	1

Congratulations, NAB!

The NAB Rewards Signature Card was highly commended for Best Rewards Credit Card in the 2025 Finder Awards.

Full list of 2025 winners

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 customer. The bonus points offer is only available to new NAB customers, meaning you cannot hold or have held any personal NAB Rewards credit card in the last 24 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.

Income. NAB does not explicitly state a required minimum income, but it will be factored into your application along with the rest of your financial information. You may call the customer service team to discuss your specific personal circumstances.

Age. You must be at least 18 years old to apply.
Eligible balance transfer. If you elect to transfer a balance, you can transfer up to 90% of your credit limit from Australian-issued, non-NAB cards.

Required documents

Personal details. Including your full name, date of birth, residential address, marital status and number of dependents. You'll also be asked to include proof of identification including your driver's licence number, passport or birth certificate.
Income. You'll need to confirm your annual income and may be asked to provide some recent payslips or bank statements.
Finances. As well as your income, you'll need to provide information regarding any expenses, assets or liabilities.
Employment. You'll need to confirm your current place of employment and provide your employer's contact details.
Balance transfer details. If you are planning to transfer a balance, you'll need to provide the details of that account(s), including the institution and account number.

Card benefits

Bonus points offer. You'll get 110,000 bonus NAB Rewards Points when you spend $5,000 on everyday purchases within 90 days of opening the account. These points will be credited to your account within 3 months of meeting the spend requirement. 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.

Balance transfer offer. The NAB Rewards Signature offers 0% p.a. for the first 12 months, with a one-time 3% balance transfer fee. At the end of the introductory period, any debt remaining from the transfer will attract the variable cash advance interest rate, currently 21.74% p.a., and you must still make minimum repayments.
Points per $1 spent. You'll earn 1.5 NAB Rewards Points per $1 spent on eligible purchases up to $15,000 per month, then 0.5 NAB Rewards Points for every $1 spent, uncapped. You can also earn 3 NAB Rewards Points for every $1 spent on online purchases made with Webjet via the NAB Rewards Store or Webjet's website. Webjet booking terms and conditions apply.
NAB Rewards redemptions. You can redeem NAB Rewards Points for rewards including travel with Webjet, experiences, gift cards and retail items. You can also transfer your points to frequent flyer programs, with 3 NAB Rewards Points equal to 1.5 Velocity Points, 1 KrisFlyer Mile, 1 Asia Mile or $0.015 Airpoints Dollars. NAB Rewards is also one of the few credit card rewards programs to offer point transfers to Flybuys with an equal transfer rate.

Complimentary delayed flight lounge pass. The NAB Rewards Signature gives you and up to four additional guests complimentary airport lounge access at select airport locations on flight delays of an hour or more not exceeding 24 hours from the scheduled departure time. Alternatively, you can use your flight delay pass to offset a dollar amount off the total bill at select dining options.
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 eligible device at the checkout.

Rates & fees

Monthly fee. This card has a $35 monthly fee, which adds up to $420 over 12 months. However, this fee is waived 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 balance shown on each statement, you may want to consider a low rate credit card that charges 15% p.a. or less.

Interest-free days. This card offers up to 44 days interest-free on purchases when you pay your total balance by the due date on your statement. If your statement shows an "interest free days payment" that's different to the total balance — you'll also get interest-free days on purchases if you pay that amount by the statement due date.
Cash advances. This card has a 21.74% p.a. variable cash advance interest rate when you use it to withdraw cash from an ATM or make other cash advance transactions. Cash advances also attract a fee worth 3.5% or $3.50, whichever is greater.
Minimum credit limit. You can apply for a minimum credit limit of $15,000.

Sources

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. NAB Rewards Signature Card information PDF
2. NAB Rewards Signature Credit Card TMD

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Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full profile

NAB Rewards Signature Card

Pros

Cons

Congratulations, NAB!

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

Sources

Sources

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