NAB Rewards Classic Card

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Get rewarded for your everyday spending and enjoy a 30,000 bonus point offer on a new NAB Rewards Classic.

Apply for the NAB Rewards Classic and you can collect 30,000 bonus NAB Rewards points when you spend $500 on everyday purchases in the first 60 days of opening your account.

0% p.a.

Balance transfer rate

for 6 months with 2% balance transfer fee


Bonus points

19.99% p.a.

Purchase rate


Reward points

Per $ spent (Visa/Mastercard)


Product NameNAB Rewards Classic Card
Rewards ProgramNAB Rewards
Balance Transfer Rate0% p.a. for 6 months with 2% balance transfer fee
Balance Transfer Revert RateCash Advance Rate (21.74% p.a.)
Balance Transfer Limit90% of available balance
Purchase Rate19.99% p.a.
Annual Fee$95
Interest Free Period44 days
Cash Advance Rate21.74% p.a.
Minimum Credit Limit$500
Card TypeVisa
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Complimentary Travel InsuranceNo
Minimum Age18 years of age
Available to Temporary ResidentsYes - Conditions apply
Joint ApplicationNo


  • 30,000 bonus points when you spend $500 on everyday purchases within 60 days from card approval
  • Features a Points Booster allowing you to earn double points on purchases made on partner merchants and triple points on trips abroad booked through Webjet as well as on purchases made overseas
  • Complimentary purchase protection insurance


  • Offers 44 days interest-free on purchases, compared to other cards that offer up to 55
Rewards ProgramNAB Rewards
Bonus Points30,000 bonus points
Rewards Points per $ spent (Visa/Mastercard)0.75
Annual Fee$95
Late Payment Fee$15
Foreign Currency Conversion Fee (Visa/Mastercard)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
Additional Cardholder Fee$0
Number of Additional Cardholders1

Expert review

Amy Bradney-George

Review by

Amy is an editor and writer at with more than 10 years experience covering credit cards, personal finance and various lifestyle topics. When she’s not sharing her knowledge on money matters, Amy spends her time as an actress.

Expert review

The NAB Rewards Classic credit card is an entry-level rewards option, earning 0.75 points per $1 spent on eligible purchases, with no points cap.

You can redeem these points for rewards including Webjet bookings, gift cards and merchandise. If you’re a frequent flyer, you can also transfer points to your account with Velocity, Asia Miles, Singapore Airlines KrisFlyer or Air New Zealand Airpoints.

How to apply

You can apply for the NAB Rewards Classic online in around 25 minutes and will get a response within 60 seconds of submitting the completed application form. Get started now by checking that you meet the following eligibility requirements and have the documents and details you'll need to provide.

Eligibility criteria

  • Residency. You can apply for this card if you are an Australian citizen, permanent resident or temporary resident. If you are not a citizen or permanent resident, you will need to provide the last overseas address for where you lived, as well as other details of your residency status.
  • Age. You must be at least 18 years old to apply.

Card benefits

  • 30,000 bonus points offer. Enjoy a bonus 30,000 points when you spend $500 on everyday purchases in the first 60 days from account opening. Note transactions NAB decides are wholly or partly for gambling or gaming purposes will not count towards this spend requirement. The bonus points will be credited to your NAB Rewards account within 3 months of meeting the spend criteria.
  • Points for everyday spending. This card offers 0.75 NAB Rewards points per $1 spent on most everyday purchases. You can earn double points – equivalent to 1.5 points per $1 – at major department and hardware stores. You can also earn triple points – or 2.25 points per $1 spent – on overseas purchases and spending with Webjet. Transactions that don't earn points include cash advances, balance transfers and any transactions NAB decides are for gambling or gaming purposes.

Rates & fees

  • Annual fee. This card has a standard annual fee of $95 p.a., so make sure you weigh this cost against the value you get from its features. For example, based on the standard earn rate of 0.75 points per $1, you would need to spend $25,640 to earn enough for a $100 gift card (19,230 points).
  • Purchase rate. The variable purchase rate for the NAB Rewards Classic Card is 19.99% p.a.

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