NAB Qantas Business Signature Card

Offers a big 100,000 bonus Qantas Points a global concierge service and points for ATO payments as well as purchases, with a $295 p.a. annual fee per card.

The Qantas Business Signature is designed to suit business owners who want to keep track of spending and earn Qantas Points in the process. You can boost your Qantas Points balance from the get go with 100,000 bonus points if you apply and spend $4,000 on everyday business purchases within the first 60 days of account opening.


Bonus points

18.5% p.a.

Purchase rate


Reward points

Per $ spent

$295 p.a.

Annual fee

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Product NameNAB Qantas Business Signature Card
Rewards programQantas Frequent Flyer
Purchase rate18.5% p.a.
Annual fee$295
Interest-free periodUp to 44 days on purchases
Cash advance rate21.74% p.a.
Min credit limit$5,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationYes


  • 100,000 bonus Qantas Points when you spend $4,000 on everyday business purchases in the first 60 days of account opening
  • Earn 0.66 Qantas Points per $1 (1 point / $1.50) spent on everyday business purchases
  • Features a 24/7 concierge service


  • A relatively high annual fee of $295 p.a.
  • Points are capped at $50,000 spend per statement period
  • Does not offer lounge passes or overseas medical travel insurance
Rewards programQantas Frequent Flyer
Bonus points100,000
Rewards points per $ spent0.66
Rewards points cap33,333
Annual fee$295
Minimum monthly repayment2.5% of the closing balance or $10, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%
Cash advance fee2% or $2.50, whichever is greater
Overseas cash advance fee2% of transaction amount or $2.50 (whichever is greater)
Additional cardholder fee$295
Number of additional cardholders1,000

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The NAB Qantas Business Signature card boasts one of the biggest bonus Qantas Points offers in the business card category. This offer gives you enough for a return business class flight from Brisbane to Perth (83,000 Qantas Points) or 5 one-way business class flights between Sydney and Melbourne (18,400 Qantas Points per flight). It also offers complimentary insurance and a concierge service.

How to apply

You can apply for the NAB Qantas Business Signature online. If you have a MYOB, Quickbooks or Xero account with 12 months of business financial data, you can apply for the NAB Qantas Business Signature online. Alternatively, you can request a call from a NAB Business Banker and complete the application that way.

Eligibility criteria

  • Eligible business. You can apply if you're a sole trader, in a partnership with up to two partners, a company with up to five directors or a trustee of an eligible trust.
  • Registered ABN. You must have a registered ABN/ACN and must be registered for GST with a turnover of at least $75,000 per year.

Card benefits

  • 100,000 bonus Qantas Points offer. If you apply for a new NAB Qantas Business Signature card and get approved, you will score 100,000 bonus Qantas Points when you spend $4,000 on everyday business purchases within the first 60 days of account opening. Your bonus points will appear in your Qantas Frequent Flyer account within 3 months of meeting the spend requirement. There is no specified expiry date for this offer but NAB may withdraw or vary it at any time.
  • Earn Qantas Points as you spend. You'll earn 0.66 Qantas Points per $1 spent (awarded as 1 point per $1.50 spent), capped at $50,000 spend per statement period. If you're not already a member of Qantas Frequent Flyer, NAB Qantas Business Signature cardholders can sign up and avoid the $99.50 membership fee.

Rates & fees

  • Annual fee. This card charges an annual fee of $295 p.a.
  • Purchase interest rate. This card comes with a purchase rate of 18.5% p.a.

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    Default Gravatar
    June 9, 2015

    With a NAB Qantas business card do you get points for BPAY and ATO payments? Thanks

      Avatarfinder Customer Care
      June 10, 2015

      Hi David,

      Thank you for your question.

      According to the HSBC Qantas Rewards terms and conditions, BPAY is considered an ineligible transaction and, therefore, cannot be claimed for Qantas Frequent Flyer points. The terms and conditions do not explain whether you can earn Frequent Flyer points on ATO payments, so we would suggest contacting the customer service team directly to confirm this.

      You may also wish to visit our guide on how to pay your tax bill by credit card to compare some of the cards that do allow cardholders to earn points on ATO payments.

      I hope this has helped answer your question.


      Default Gravatar
      June 29, 2015

      I’ve got a NAB business card and getting QF points for ATO payments

      Avatarfinder Customer Care
      July 7, 2015

      Hi Oldknees,

      Thanks for your comment.

      As noted in the NAB Qantas Business Card terms and conditions documents, cardholders can not earn points on government charges. You would need to contact NAB directly to confirm whether this included ATO payments. I hope this has helped.



    Default Gravatar
    January 5, 2015

    We are a medium size business, our staff have credit cards for fuel and accommodation. We currently do not have the option to put limit cap on individual cards, we need 12 cards also can the points be directed to an individual card only. Thanks

      Avatarfinder Customer Care
      January 5, 2015

      Hi Barny,

      Thanks for your question.

      You’re able to decide which Frequent Flyer account the points are credit to, so it will be possible for the points to be credited to a single account.

      I hope this has helped.



    Default Gravatar
    April 30, 2013

    Does this card have uncapped limit on points?

    Does this card give you points if you load money onto the card to purchase goods?

      Avatarfinder Customer Care
      May 1, 2013

      Hi Judith. Thanks for your question. Yes, you can earn points if you’re making an eligible purchase and your card has a positive balance. This card does not have a cap on points. Jacob.

    Default Gravatar
    March 18, 2013

    Hi id like to get a phone call to apply for this card

      Avatarfinder Customer Care
      March 19, 2013

      Hi Rachael. We’re a comparison service, if you would like to speak to a lender about a specific product, please contact them directly. We can help you with any questions you have about general product information and comparing credit cards. Thanks.

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