NAB Rewards Signature

Earn up to 120,000 bonus points on a new NAB Rewards Signature and enjoy the protection of six complimentary insurance covers.

The NAB Rewards Signature gives you the flexibility to redeem your points for travel, merchandise and frequent flyer points for Velocity, Asia Miles or Air New Zealand Airpoints.

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Bonus points

19.99% p.a.

Purchase rate


Reward points

Per $ spent

$295 p.a.

Annual fee

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Product NameNAB Rewards Signature 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 limit
Purchase rate19.99% p.a.
Annual fee$295
Interest-free periodUp to 44 days on purchases
Cash advance rate21.74% p.a.
Min credit limit$15,000
Max credit limit$75,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsYes - Conditions apply
Joint applicationYes


  • Up to 120,000 bonus NAB Rewards Points
  • A range of complimentary insurance covers
  • 0% p.a. interest rate on balance transfers for 6 months


  • Spend requirement to get the full amount of bonus points is tricky
  • Annual fee of $295 is high when compared to similar cards
  • A 2% fee applies to any balances transferred
Rewards programNAB Rewards
Bonus points120,000
Rewards points per $ spent1.25
Annual fee$295
Minimum monthly repayment2% of the closing balance or $25, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%
Cash advance fee2% or $2.50, whichever is greater
Overseas ATM withdrawal fee$5

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The NAB Rewards Signature credit card is the bank's top-tier rewards product. It has the largest bonus points offer and most competitive earn rate in the NAB Rewards range, which comes at the cost of a $295 annual fee.

How to apply

You can apply for this card online in 25 minutes and get a response in 60 seconds. Before you start, check if you meet the eligibility requirements and have the necessary information ready to complete the application:

Eligibility criteria

  • New cardholder. To be eligible for the bonus points offer, you must be a new customer, meaning you cannot hold or have held a NAB Rewards card in the previous 12 months.
  • Residency. You can apply if you're an Australian citizen or permanent resident. If you are not a citizen or permanent resident, you will need to have an acceptable visa. Many visas are acceptable but the following are not: Visitor Visa (exception, a Special Category Visa - NZ Citizen is acceptable), Working Holiday, Student, Exchange/gap year, Transit/short stay/seasonal, and Bridging.

Card benefits

  • Bonus Rewards Points. You can give your points balance a boost of 90,000 bonus NAB Rewards Points when you spend $3,000 on everyday purchases within 60 days of opening the account. These points will be credited to your account within 3 months of meeting the spend. The other 30,000 bonus points will be credited in the 13th month when you've kept your account open. There's no specified expiry date for this offer, but NAB may vary or end it at any time.
  • Rewards program. The NAB Rewards program offers a wide range of rewards including travel with Webjet, merchandise, cashback and frequent flyer points with Velocity, Singapore Airlines KrisFlyer, Asia Miles and Air New Zealand Airpoints. You'll earn 1.25 points per $1 spent on everyday purchases, double points on purchases made with partner merchants and triple points for eligible spending with Webjet, when you're overseas or when you make overseas purchases online. You won't earn points on transactions including cash advances, interest charges and other bank fees, government transactions, balance transfers and gambling.

Rates & fees

  • Annual fee. This card charges an annual fee of $295 p.a.
  • Purchase rate. If you carry a balance, your purchases will accrue interest at 19.99% p.a.
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