NAB Qantas Rewards Card – Rates and Fees

Join the Qantas Frequent Flyer program for free and earn Qantas Points on your everyday spending with the NAB Qantas Rewards.

The NAB Qantas Rewards Card earns 0.5 Qantas points for every dollar you spend on everyday purchases up to $3,000 per statement period. It also offers complimentary purchase protection insurance and a short-term balance transfer.

Product NameNAB Qantas Rewards Card
Rewards ProgramQantas Frequent Flyer
Balance transfer rate (p.a.)0% p.a. for 6 months with 2% balance transfer fee
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Cash Advance Rate (21.74% p.a.)
Balance Transfer Limit90% of available credit limit
Purchase rate (p.a.)19.99% p.a.
Annual fee$95 p.a.
Interest Free Period
The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date.
Up to 44 days on purchases
Cash advance rate (p.a.)21.74% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$500
Card TypeVisa
Foreign Currency Conversion Fee (MC)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Complimentary Travel InsuranceNo
Minimum Age18 years of age
Available To Temporary ResidentsYes - Conditions apply
Joint ApplicationNo
Annual fee$95 p.a.
Late Payment Fee$15
Foreign Currency Conversion Fee (MC)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Cash Advance Fee2% or $2.50, whichever is greater
Overseas Cash Advance Fee2% or $2.50, whichever is greater
Overseas ATM Withdrawal Fee$5
Gambling Transactions AllowedYes
Additional Cardholder Fee$0
Number of Additional Cardholders1

Pros

  • Enjoy a balance transfer rate of 0% p.a. for the first 6 months.
  • The NAB Qantas Rewards Card offers complimentary purchase protection insurance and complimentary Qantas Frequent Flyer membership.
  • An additional cardholder can be added for $0 p.a.

Cons

  • There are only up to 44 interest-free days on purchases with this card, as opposed to other credit cards that offer up to 55 interest-free days.
  • A one-off 2% balance transfer fee applies.
Rewards ProgramQantas Frequent Flyer
Rewards Points per $ spent (VISA/MC)0.5
Rewards Points per $ (VISA/MC) Cap1,500

Benefits of using a NAB Qantas Rewards Card

  • Qantas Points as you spend. You'll earn 0.5 points for every dollar you spend on eligible purchases with your card. Keep in mind that your points are capped at $3,000 spend per statement period.
  • Complimentary insurance. You can spend with peace of mind thanks to purchase protection insurance. The cover protects you if personal items bought with the card are lost, stolen or accidentally damaged within 90 days of the date of purchase. Make sure to check out the insurance policy document before you make a claim.
  • Complimentary Frequent Flyer membership. If you're not already a member of the Qantas Frequent Flyer program, NAB will waive the membership fee when you sign up and are approved for the NAB Qantas Rewards Card. That's a saving of $89.50!
  • Balance transfer rate. If you're struggling to repay an existing debt, you can take advantage of this card's 0% p.a. balance transfer rate for 6 months with a 2% balance transfer fee. Any unpaid balances will attract the standard cash advance rate at the end of the promotional period. Note that minimum monthly repayments are required. You can transfer balances from Australian cards not issued by NAB.
  • Eligible for Samsung Pay and Google Pay. You can link your NAB credit card with Samsung Pay or Google Pay to make contactless payments using your qualifying Samsung or Android device at the checkout.

Features and fees of the NAB Qantas Rewards Card

  • Annual fee. This card has an annual fee of $95, which is relatively competitive compared to other rewards credit cards.
  • Interest-free period. You will receive up to 44 days interest-free on purchases if you pay your balance in full each statement period.

How to apply for the NAB Qantas Rewards Card

If you’ve decided that the NAB Qantas Rewards Card is right for you and your financial circumstances and want to apply for the card, simply complete the online application form. Before you do this, make sure you meet NAB’s eligibility requirements.

Eligibility criteria

  • Age. You need to be 18 years of age or older to apply.
  • Residential status. If you are not an Australian citizen or permanent resident, you’ll need to provide your most recent overseas residential address as well as other information regarding your residential status.

Required documents and information

  • You’ll need your driver’s license and driver’s license number as well as your full address. If you don’t have a license, you will need a valid passport or another form of approved government identification.
  • To verify your income and credit history, you’ll have to provide NAB with payslips or other income documentation like tax forms in order to prove you meet the income requirements. You may also need additional information regarding assets and liabilities as well as your employer’s or accountant’s information.

The NAB Qantas Rewards Card could reward you with Qantas Points for every dollar you spend. However, with points caps and a relatively high purchase rate, make sure to compare your options before you apply for this card.

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43 Responses

  1. Default Gravatar
    brianMay 1, 2017

    Are there any bonus Qantas Points for signing up?

  2. Default Gravatar
    DebJuly 26, 2016

    When do my points that show on my Credit Card statement show up on my Qantas Rewards statement ? Are they transferred automatically ?

    • finder Customer Care
      MayJuly 28, 2016Staff

      Hi Deb,

      Thanks for your question.

      Your Qantas points will be credited to your Qantas frequent flyer account if you have this linked to your NAB credit card. Your points are calculated on net purchases at the end of a statement period. So if you want to check your points earned, you may need to login to your Qantas FF account.

      Cheers,
      May

  3. Default Gravatar
    EmmaJune 5, 2016

    How do I know if my purchase will be considered an eligible purchase? Can you tell me what are not eligible purchases? Thanks

    • finder Customer Care
      YsaJune 6, 2016Staff

      Hi Emma,

      Thanks for your inquiry.

      An eligible purchase is an everyday purchase and exclude transactions such as:
      – cash advances
      – bills paid over the counter at a bank, financial institution or post office
      – purchases of travellers cheques
      – transactions for gambling or gaming purposes
      – when the card is used as a debit card to access linked accounts
      – transactions which NAB has decided to be wholly or partly for a business or investment purpose
      – transactions where you use your card account to make payment to the Australian Taxation Office (ATO)
      – fees and charges (including government fees and charges)
      – interest charges
      – transactions which are disputed, fraudulent or involve abuse of your credit card account
      – payments and purchases which are refunded or reimbursed.

      Anything other than these are considered as everyday purchases.

      I hope this has helped.

      Cheers,
      Ysa

  4. Default Gravatar
    DominicMay 22, 2016

    Hi,

    I am currently on a 457 visa which does not expire for almost 4 years.

    I have a good credit history here in Australia and more than meet the income requirements.

    Would I be eligible for this card?

    Thanks

    • finder Customer Care
      MayMay 23, 2016Staff

      Hi Dominic,

      Thanks for your question.

      Unfortunately, only Australian residents can apply for this NAB Qantas Rewards Card. Please refer to this page where you can find credit card issuers that accept a non-resident applicant. You may contact a credit card issuer featured on that page and verify which among their products are available for non-residents.

      I hope this helps.

      Cheers,
      May

  5. Default Gravatar
    ChrisFebruary 5, 2016

    Can you swap a NAB Visa Flyby Card account, to a NAB Qantas Reward Card.

    • finder Customer Care
      JonathanFebruary 5, 2016Staff

      Hi Chris, thanks for your inquiry!

      You can change NAB cards by contacting the customer service team on 13 22 65 Mon-Fri 8am – 7pm, Sat-Sun 9am – 6pm (AEST/AEDT).

      Cheers,

      Jonathan

  6. Default Gravatar
    AnnaFebruary 4, 2016

    I am a pensioner, would I be able to get a NAB Qantas Rewards card?
    What is your minimum income request?

    • finder Customer Care
      SharonFebruary 4, 2016Staff

      Hi Anna, thank you for your inquiry.

      The minimum income required for this card varies and will be based on a few factors including your annual income and credit history. As declined credit card applications can have a negative impact on your credit file, you might wish to get in touch first with NAB to discuss your likelihood of approval.

      I hope this helps,

      Sharon

  7. Default Gravatar
    GusJanuary 25, 2016

    How many additional card holders can be associated with NAB Qantas Rewards Card?

    • finder Customer Care
      DebbieJanuary 25, 2016Staff

      Hi Gus,

      Thanks for your question.

      You can request up to one additional cardholder for NAB Qantas Rewards Card at no cost. Please note that the main cardholder will be liable for any transactions made on the additional card.

      For other credit card options that offer free additional cardholders, kindly compare on this page.

      I hope this helps.

      Cheers,
      Debbie

  8. Default Gravatar
    MayDecember 17, 2015

    What is the minimum income required? and it says there is complementary Qantas frequent flyer membership in the card review, while in ‘pros/cons’, it says you’ll pay the joining fee. So is there joining fee when I apply for the card?

    • finder Customer Care
      DebbieDecember 18, 2015Staff

      Hi May,

      Thank you for your inquiry.
      The minimum income required for NAB Qantas Rewards Card varies and will be verified based on the income statements you will be submitting upon application. The fee stated above is for the annual fee which will be applied on your account while you have the card active.

      If you are looking for no annual fee credit cards, please refer to this page.
      I hope this helps.

      Cheers,
      Debbie

  9. Default Gravatar
    allyDecember 1, 2015

    My income is a disability support pension, am I able to apply for any qantas linked credit cards?

    • finder Customer Care
      SallyDecember 2, 2015Staff

      Hi Ally,

      Thanks for your question. The NAB Qantas Rewards card doesn’t advertise a set minimum income. Instead, your application will be considered based on a few factors including your annual income and credit history. As declined credit card applications can have a negative impact on your credit file, you might wish to get in touch with NAB directly to discuss your likelihood of approval.

      You can contact the NAB customer service team to speak with a credit card specialist on 13 13 12.

      I hope this has helped.

      Cheers,

      Sally

  10. Default Gravatar
    MarionNovember 10, 2015

    At present, my [working] husband is the primary card holder and I am the secondary holder [same account]of our credit card [Visa]. We are looking to join up to a Qantas FF credit card. They all seem to say ‘No’ to Joint Account. Do any of them allow a husband and wife on the same account?

    • finder Customer Care
      JonathanNovember 11, 2015Staff

      Hi Marion, thanks for your inquiry!

      Please refer to this page for a list of providers that allow joint-account credit cards.

      Cheers,

      Jonathan

Credit Cards Comparison

Rates last updated November 16th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee.
Citi Platinum Credit Card - Exclusive Offer
0% p.a. for 13 months (reverts to 20.99% p.a.)
0% p.a. for 13 months
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
finder Exclusive:
Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.
Virgin Australia Velocity Flyer Card - Exclusive Offer
0% p.a. for 14 months (reverts to 20.74% p.a.)
0% p.a. for 6 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
finder Exclusive: Save on credit card costs with half the annual fee for the first year and a 0% p.a. interest rate on purchases for 14 months.
American Express Westpac Altitude Platinum Bundle - Qantas - Exclusive Offer
20.24% p.a.
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
finder Exclusive:
Up to 90,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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