With energy prices rising, switch to a cheaper plan
Compare Prices Now

NAB Rewards Signature

Offers up to 140,000 bonus NAB Rewards Points and complimentary insurance, with a $295 annual fee.

The NAB Rewards Signature is suited to big spenders and earners who want flexible rewards through a credit card, with a high minimum credit limit of $15,000 and up to 3.75 points per $1 on eligible spending. The bonus points offer is split into two parts, giving you 100,000 bonus NAB Rewards Points when you spend $3,000 on everyday purchases in the first 60 days from approval – and another 40,000 bonus points when you keep the card for at least 12 months.

No reviews yet. Write a review


Bonus points

19.99% p.a.

Purchase rate


Reward points

Per $ spent

$295 p.a.

Annual fee

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!


Product NameNAB Rewards Signature Card
Rewards programNAB Rewards
Balance transfer rate p.a.0% for 12 months with 3% balance transfer fee
Balance transfer revert rateCash Advance Rate (21.74% p.a.)
Balance transfer limit90% of available limit
Purchase rate p.a.19.99%
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 140,000 bonus NAB Rewards Points
  • A range of complimentary insurance covers
  • 0% p.a. interest rate on balance transfers for 12 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 3% fee applies to any balances transferred
Rewards programNAB Rewards
Bonus points140,000
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

Amy has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. She is also the editorial lead for Finder Green, covering sustainability across different industries. Her work has appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy also has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The NAB Rewards Signature credit card currently has the largest bonus points offer and most competitive earn rate for any card in the NAB Rewards range. With it, you’ll earn 1.25 NAB Rewards Points per $1 on most everyday spending – with a higher rate of up to 2.5 points per $1 at major department and hardware stores (including Kmart, Target and Bunnings), and 3.75 points per $1 for overseas spending or travel bookings with Webjet.

How to apply

You can apply for this card online in 15 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.
  • Australian residency status. 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 points offer. You can give your points balance a boost of 100,000 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 40,000 bonus points will be credited in the 13th month, which means you need to keep your account open and pay the second-year annual fee. There's no specified expiry date for this offer, but NAB may vary or end it at any time.
  • Rewards program. With this card, you earn 1.25 points per $1 spent on most everyday purchases, 2.5 points per $1 on purchases made at major department and hardware stores (including Myer, David Jones, Kmart, Target, Big W, Bunnings, Mitre 10, Home Timber and Hardware, Stratco and Total Tools) and 3.75 points per $1 for eligible spending with Webjet, when you're overseas or when you make overseas purchases online. Transactions that don't earn points include 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.
Go to site