In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
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NAB Rewards Signature Card
Terms and conditions apply
Bonus points
Purchase rate
19.99% p.a.
Reward points per $ spent
Annual fee for the first year ($295 p.a. thereafter)
$145 p.a.

Our verdict

Offers up to 160,000 bonus NAB Rewards Points and a discounted $145 annual fee in the first year, which goes to $295 after that.

The NAB Rewards Signature Credit Card is suited to big spenders and earners, with a high minimum credit limit of $15,000 and up to 3.75 points per $1 on eligible spending. With the bonus points offer, you'll get 120,000 bonus NAB Rewards Points when you spend $3,000 on everyday purchases in the first 60 days from account opening and another 40,000 bonus points if you keep the card open for over 12 months. This means you need to pay an annual fee in the first and second year to get all the points.


  • Up to 160,000 bonus NAB Rewards Points
  • Discounted $145 first-year annual fee
  • Offers between 1.25 and 3.75 NAB Rewards Points per $1 spent
  • 0% p.a. on balance transfers for 12 months (with a 3% balance transfer fee)


  • Need to keep the card for at least 12 months to get the full amount of bonus points
  • $295 annual fee after the first year, which is higher than some other cards
  • 3% international transaction fee

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews

The NAB Rewards Signature has one of the biggest bonus points offers on the market and earns 1.25 NAB Rewards Points per $1 on most everyday spending. It also has higher rates 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. Rewards include gift cards, retail items and point transfers to Velocity, Asia Miles, Singapore Airlines KrisFlyer, Air New Zealand Airpoints, Flybuys and Accor Live Limitless (ALL). It also offers perks similar to what you can get with other premium credit cards, including a concierge service and Visa Premium offers. Weighing the value of these features against the card's annual fee can help you decide if it's right for you.


Product details

Product Name NAB Rewards Signature Card
Balance transfer rate p.a. 0% for 12 months with 3% balance transfer fee, then 21.74%
Balance transfer limit 90% of available limit
Purchase rate p.a. 19.99%
Interest-free period Up to 44 days on purchases
Cash advance rate p.a. 21.74%
Min credit limit $15,000
Max credit limit $75,000
Card type Visa


Available to temporary residents Yes - Conditions apply
Joint application No


Rewards program NAB Rewards
Bonus points 160,000
Rewards points per $ spent 1.25


Annual fee $145 first year ($295 after)
Minimum monthly repayment 2% of the closing balance or $25, whichever is greater
Late payment fee $15
Foreign currency conversion fee 3%
Cash advance fee 3% or $3, whichever is greater
Overseas ATM withdrawal fee $5

How to apply

You can apply for this card online in about 15 minutes and get a response in around 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. This means you cannot hold or have held a NAB Rewards card in the previous 18 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'll get 120,000 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.
  • Discounted first-year annual fee. This card offers a reduced annual fee of $145 for the first year, which goes to $295 p.a. after that.

Rates & fees

  • Annual fee. Outside of any promotions, this card charges an annual fee of $295 p.a.
  • Purchase rate. The purchase rate on this card is 19.99% p.a. If you regularly pay less than the total shown on each statement, you may want to consider a low rate credit card that charges 15% p.a. or less.

Your reviews

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