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NAB Qantas Rewards Card – Rates and Fees

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Earn Qantas Points on everyday purchases and enjoy a low introductory rate on balance transfers when you sign up for the NAB Qantas Rewards Card.

The NAB Qantas Rewards Card allows you to earn Qantas Points that are redeemable through the Qantas Frequent Flyer program. With this card you earn up to 0.75 points for every dollar you spend on everyday purchases. This credit card combines two different cards into one account, and you’ll get the rewards program through American Express along with the convenience of Visa that is accepted around the world.

When you sign up for this credit card, you’ll receive a complimentary Qantas Frequent Flyer membership and a low balance transfer rate of 0% p.a. for the first 6 months (reverts to cash advance rate) if you apply for the balance transfer at the time of your credit card application.

Product NameNAB Qantas Rewards Card
Rewards ProgramQantas Frequent Flyer
Balance transfer rate (p.a.)0% p.a. for 6 months
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.
Offer end date1 October 2017
Annual fee$95 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
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 TypeAmerican Express/Visa
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
Foreign Currency Conversion Fee (AMEX)
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
Available To Temporary ResidentsYes - Conditions apply
Joint ApplicationNo
Minimum Age18 years of age
Available to Temporary ResidentsYes - Conditions apply
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
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
Annual Fee$95 p.a.
Late Payment Fee$15
Over Limit Fee$0
Cash Advance Fee2% or $2.50, whichever is greater
Overseas Cash Advance Fee2% or $2.50, whichever is greater
Overseas Emergency Replacement$100
Overseas ATM Balance check$1
Overseas ATM Withdrawal Fee$5
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
Foreign Currency Conversion Fee (AMEX)
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
Gambling Transactions AllowedYes
Gambling Transactions Interest RateCash Advance Rate
Additional Cardholder Fee$0 p.a.
Number of Additional Cardholders1
BPAYYes
ChequeYes
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes

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.
Rewards ProgramQantas Frequent Flyer
Rewards Points per $ (VISA/MC)0.5
Rewards Points per $ (AMEX)0.75
Rewards Points per $ (VISA/MC) Cap1,500
Rewards Points per $ (AMEX) Cap2,250
Points ExpiryNever

NAB Qantas Rewards Card review

This card allows you to earn Qantas Points on everyday purchases, and you’ll be able to earn points anywhere Visa and American Express are accepted. Use it for grocery shopping, petrol, retail shopping and more. You can also benefit from The NAB Qantas Rewards Card’s competitive rates and fees.

If you aren’t a frequent traveller who will benefit from frequent flyer rewards through Qantas you can read up on other NAB credit offers including their flybuys rewards card which also offers you rewards for accumulating points on everyday spend.

Benefits of using a NAB Qantas Rewards Card

  • Introductory offer on balance transfers. New applicants who get approved by 1 October 2017 can take advantage of a 0% p.a. balance transfer rate for the first 6 months from opening their account. Please note that this is only available to cardholders who request the balance transfer while they're completing the card application. This offer does not incur any balance transfer fee, but it reverts back to the standard cash advance rate after the promotional period ends.
  • Complimentary insurances. Along with your line of credit and the other benefits you’ll receive, you also get purchase protection insurance. This is coverage that protects personal items you buy through your credit card from theft, damage, or loss that occurs 90 days after the initial purchase.
  • Rewards program. You can earn Qantas Points with each dollar you spend on everyday purchases through your rewards credit card. You can earn either 0.75 points for each dollar spent on your American Express card or 0.5 points for every dollar you spend on your Visa. Keep in mind that your points are capped at $3,000 spend per statement period.

Features of the NAB Qantas Rewards Card

  • Competitive fees. For a card with so many benefits the fees are also competitive, as the annual fee on this credit card is only $95. Other fees and charges may apply and should be taken into consideration when applying.
  • Standard balance transfer rate. You can take advantage of this card's 0% p.a. for 6 months standard balance transfer rate with a one-off 2% balance transfer fee. This is not available in conjunction with the introductory balance transfer offer and reverts to the standard cash advance rate after the promotional period.
  • Interest-free period. To help you manage your credit easily, NAB also offers interest-free days. You will receive up to 44 days interest-free on purchases if you pay your balance in full each statement period.
  • Complimentary Frequent Flyer membership. In order to redeem your Qantas Points, you need to have a Qantas Frequent Flyer membership. When you apply for the NAB Qantas Rewards card, you will receive a free membership to this program. NAB will waive the joining fee for the membership as long as you are a Qantas Rewards cardholder.

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

        • In order to be eligible for this NAB credit card, you need to be 18 years of age or older.
        • If you are not an Australian citizen or permanent resident, you’ll need to provide the last overseas address you resided at.
        • You must also meet the income requirements so NAB can determine whether you can meet your repayment commitments to the bank. These requirements may vary and should be verified with NAB prior to your application.

Required documents

          • 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.
          • In order 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.

Whenever you decide to apply for a credit card or other line of credit, it’s important to compare the available offers so you are sure you’re getting everything you need and that the deal is right for your financial situation.

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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 ?

    • Staff
      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

    • Staff
      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

    • Staff
      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.

    • Staff
      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?

    • Staff
      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?

    • Staff
      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?

    • Staff
      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?

    • Staff
      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?

    • Staff
      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

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