NAB Rewards Business Signature

Collect 100,000 bonus NAB Rewards Points and keep track of expenses with the NAB Rewards Business Signature credit card.

Apply for the NAB Rewards Business Signature credit card and spend $4,000 on everyday business purchases within the first 60 days to enjoy this bonus point offer.


Bonus points

18.5% p.a.

Purchase rate


Reward points

Per $ spent

$175 p.a.

Annual fee

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Product NameNAB Rewards Business Signature Card
Rewards programNAB Rewards
Purchase rate18.5% p.a.
Annual fee$175
Interest-free periodUp to 44 days on purchases
Cash advance rate21.74% p.a.
Min credit limit$5,000
Max credit limit$50,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationYes


  • 100,000 bonus points when you spend $4,000 on everyday business purchases in the first 60 days of account opening
  • Uncapped earn rate of 1.25 NAB Rewards Points per $1 spent
  • Access to Visa Premium benefits and 24/7 concierge service


  • $175 annual fee is relatively high
  • Does not offer overseas travel insurance covers or lounge passes
Rewards programNAB Rewards
Bonus points100,000
Rewards points per $ spent1.25
Rewards points capUncapped
Annual fee$175
Late payment fee$15
Foreign currency conversion fee3%
Cash advance fee2% or $2.50, whichever is greater
Overseas cash advance fee2% or $2.50, whichever is greater
Additional cardholder fee$175

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 Rewards Business Signature credit card combines a flexible rewards program with business account features – including additional cards for employees. You can set different spending limits for each card, with detailed monthly statements, although you’ll also need to factor in an annual fee of $175 per card.

How to apply

You can apply for the NAB Rewards Business Signature online. If you have a MYOB or Xero account, you can use your login details to connect securely to the application and save time uploading the required business documentation. Before you apply, make sure you meet the eligibility criteria and have all the other required information and documents on hand.

Eligibility criteria

  • Business structure. You can apply for this card if you’re a sole trader, someone in a partnership with up to two other partners, or a director of a company with up to five directors.
  • Business requirements. Your business must be registered for GST, have a valid ABN/ACN and have an annual turnover of at least $75,000 to apply for this account.

Card benefits

  • Introductory 100,000 bonus point offer. You will earn 100,000 bonus points when you apply and are approved for the NAB Rewards Business Signature, then spend $4,000 on eligible business purchases within the first 60 days of account opening. The bonus points will be added to your account balance within 3 months of meeting the spend criteria.
  • Rewards. The points earned through this account are credited to a single NAB Rewards balance, which you can then use to reward yourself or your employees. Rewards available through the NAB Rewards program include travel with Webjet, merchandise, gift cards and frequent flyer points with Velocity, Asia Miles, Singapore Airlines KrisFlyer Miles or Air New Zealand Airpoints. You also have the flexibility to transfer them to another business or personal NAB Rewards account.

Rates & fees

  • Annual fee. This account charges an annual fee of $175 per card. So, if you only had one card for yourself, you would pay $175 p.a. If you had a total of 3 cards (1 for you and 2 for employees), the annual fees would total to $525, and so on.
  • Purchase rate. The NAB Rewards Business Signature charges a variable purchase rate of 18.5% p.a.

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    Default Gravatar
    March 7, 2019

    First time getting a business credit card and the sole purpose is for points, flights or gift cards. How does it work if we were to spend $100,000 per month? How many points do I get for that spend in that 1 month and what does that amount of point equal and buy? Can points be transferred to a family member?

      Avatarfinder Customer Care
      March 7, 2019

      Hi Sue,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      If you are asking about the NAB Rewards Business Signature credit card, its rewards points per $1 spent on eligible business purchases are 1.25. Thus, for $100,000 spent, you would earn 125,000 points. Moreover, if you get approved for the NAB Rewards Business Signature and spend $4,000 on eligible business purchases within the first 60 days of account opening, you would also earn 100,000 bonus points.

      Now, the value of your NAB rewards points would depend on which offer or gift you want to redeem. To give you an example, 3 NAB Rewards is equivalent to 1.5 Velocity Points; 3 NAB Rewards is equal to 1 Asia Mile, and 3 NAB Rewards is equal to 0.015 Air New Zealand Airpoints.

      That’s just for flights. The value of NAB Rewards points would also differ for gift cards, NAB Rewards store, and other items. To learn more, you can read our guide on ways to spend 50,000 NAB Rewards. On that page, you will learn how you can get the most value from your hard-earned NAB Rewards points.

      According to NAB’s website, for this card, you can only transfer your points to another related body corporate or another person who holds a personal rewards card account. To transfer points, you may call NAB’s customer support.

      I hope this helps. Should you have further questions, please don’t hesitate to reach out again.

      Have a wonderful day!


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