NAB Rewards Signature

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


Bonus points

19.99% p.a.

Purchase rate


Reward points

Per $ spent (Visa/Mastercard)

$295 p.a.

Annual fee


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 balance
Purchase rate (p.a.)19.99% p.a.
Annual fee$295 p.a.
Interest Free Period44 days
Cash advance rate (p.a.)21.74% p.a.
Min credit limit$15,000
Card TypeVisa
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Complimentary Travel InsuranceYes
Minimum Age18 years of age
Available to Temporary ResidentsYes - Conditions apply
Joint ApplicationNo


  • Up to 120,000 bonus NAB Rewards Points
  • Complimentary travel insurance and purchase protection insurance
  • 0% 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 bonus points
Rewards Points per $ spent (Visa/Mastercard)1.25
Annual fee$295 p.a.
Minimum Monthly Repayment2% of the closing balance or $25, whichever is greater
Late Payment Fee$15
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Cash Advance Fee2% or $2.50, whichever is greater
Overseas ATM Withdrawal Fee$5

Expert review

Sally McMullen

Review by

Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.

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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  1. Default Gravatar
    August 22, 2019


    Can I add an additional card holder, is there a fee?


    • Avatarfinder Customer Care
      August 23, 2019

      Hi Richard,

      Thank you for getting in touch with Finder.

      This card doesn’t allow to add an additional cardholder. You may check out this page for credit cards with free additional cardholders.

      Please make sure though to read the eligibility criteria, features and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

      I hope this helps.

      Thank you and have a wonderful day!


  2. Default Gravatar
    May 15, 2019

    My son is about to apply for NAB signiture rewards credit card. As I would like to apply as well for the second card holder is that to do at the same time both of us or to wait while my son get the approval?


    • Avatarfinder Customer Care
      May 16, 2019

      Hi Kety,

      Thanks for reaching out to Finder! It’s good to know that your son is looking to apply for the NAB signature rewards card. When your son has been approved of this card, he then can request for an additional cardholder. You need not apply since he just needs to request a second card that you can use and it will bear your name on the card. Please note that you will be sharing the credit limit and/or he can assign how much credit limit to put on your card. All transactions using the additional card will be the responsibility of the primary cardholder. As a friendly reminder, read the eligibility criteria, features, and details of the card, as well as the Product Disclosure Statement and Terms and Conditions of the card before making a decision and consider whether the product is right for you.

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.

      With regards,

  3. Default Gravatar
    September 3, 2017

    I just need a chance of getting my credit card back

    • Default Gravatar
      September 5, 2017

      Hello Sheila,

      Thank you for your question.

      My understanding is that you wanted to have reactivate your old credit card. If this is correct, usually some card issuers may allow this request in a certain span of time, provided it hasn’t been deactivated due to default or other bank-initiated closures.

      Given that it was due to delinquency, what we can recommend is for you to make payment arrangements with your provider. On strides, you may also follow our advice on how to improve your credit.

      Alternatively, we have written some credit options that you may qualify for should you need time to repair your credit.

      Hope this helps.


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