Important disclosure
NAB Rewards Signature Card
Bonus Points
Earn up to 140,000 bonus Bonus Points on a new NAB Rewards Signature Card when you keep your card open for over 12 months. Enjoy a reduced annual card fee (from $295 to $195) for the first year. 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies.100,000 bonus points when you spend $3,000 on everyday purchases within the first 60 days of account opening and 40,000 bonus points when you keep your card for over 12 months. That’s enough for $680 in gift cards. BALANCE TRANSFER: After 12 months, any unpaid balance transfers will attract the variable cash advance rate (currently 21.74% p.a.). T&C applies.
Purchase Rate
Purchase Rate
19.99%
p.a
Balance Transfer Rate
Balance Transfer Rate
0%
p.a
for up to 12 months, then 21.74%
Purchase Rate
19.99%
p.a
Balance Transfer Rate
0%
p.a
for up to 12 months, then 21.74%
Annual Fee
$195
for 12 months then $295 thereafter
Promoted credit cards
Promoted
Rewards Platinum
Bonus Points
80,000 extra ANZ Reward Points and $50 back to your new ANZ Rewards Platinum credit card when you spend $2,000 on eligible purchases in the first 3 months from approval.Purchase Rate
20.49%
p.a
Annual Fee
$95
Promoted
Platinum
Cashback
$250 back to your new ANZ Platinum credit card when you spend $1,500 on eligible purchases in the first 3 months from approval, plus $0 annual fee in the first year. T&Cs apply.Purchase Rate
20.49%
p.a
Annual Fee
$0
for 12 months then $87 thereafter
Pros and cons
For Rewards Signature Card
Benefits
- Rewards Available through NAB Rewards
- Extra 140,000 points subject to eligibility conditions
- $195 annual fee in the first 12 months and $295 p.a thereafter.
- Apple Pay, Google Pay and Samsung Pay available
- Domestic travel insurance
- Free supplementary cards
- Price guarantee
- Extended warranty
- Concierge
- Purchase protection insurance
Drawbacks
- Higher than average ongoing variable purchase rate
- Higher than average ongoing annual fee
NAB Rate Credit card overview
For Rewards Signature Card
Details
Card Level Platinum | Card Type Visa |
Interest Free Days Interest Free Days 44 | Minimum monthly repayment 2% or $25 |
Minimum credit limit $15k | Maximum credit limit No set max |
Free supplementary cards | Instant Approval |
Target Market Determination Visit National Australia Bank Limited to view Target Market Determination. |
Fees
Annual Fee Annual Fee $195 for 12 months then $295 thereafter | Annual Fee Spend Waiver |
Supplementary card annual fee $0 | Late Payment Fee $15 |
Over limit fee $0 | Duplicate statement fee $7 |
Electronic Wallet Service
Important Rates
Rates
Purchase Rate Purchase Rate 19.99% p.a |
Cash advance rate 21.74% p.a |
Cash advance fee 3% or $3 |
Balance Transfer
Balance Transfer Rate Balance Transfer Rate 0% p.a for up to 12 months, then 21.74% |
Transfer Limit 90% of the approved credit limit |
Balance Transfer Fee 3% |
Overseas spending
Foreign Exchange Fee 3% on Visa |
Overseas charges Overseas charges $5 |
Estimated ATM Cost $14 for AU $300 withdrawal |
Rewards
Program name NAB Rewards |
Rewards Available Gift Card |
Eligibility
Minimum age 18 |
Minimum income |
Eligibility conditions |
Residency |
Earn Rates
| Rate | Card Type | Earns | Condition |
|---|---|---|---|
| 3.75 points for $1 spent | Visa | uncapped | Webjet, overseas purchases |
| 2.5 points for $1 spent | Visa | uncapped | Major department and hardware stores |
| 1.25 points for $1 spent | Visa | uncapped | eligible everyday purchases |
Perks
- DOMESTIC TRAVEL INSURANCE A qualifying purchase is required.
- FREE SUPPLEMENTARY CARDS Supplementary cardholder must be over 16 years of age
- PRICE GUARANTEE If you purchase personal goods in Australia and then find the same product advertised later in a printed catalogue at a cheaper price within 21 days of purchase, from a store within 25km of the store where the item was purchased, you can claim back the difference if it is more than $75.
- EXTENDED WARRANTY
- CONCIERGE
- PURCHASE PROTECTION INSURANCE
- Bonus PointsBalance Transfer Earn up to 140,000 bonus Bonus Points on a new NAB Rewards Signature Card when you keep your card open for over 12 months. Enjoy a reduced annual card fee (from $295 to $195) for the first year. 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies.100,000 bonus points when you spend $3,000 on everyday purchases within the first 60 days of account opening and 40,000 bonus points when you keep your card for over 12 months. That’s enough for $680 in gift cards. BALANCE TRANSFER: After 12 months, any unpaid balance transfers will attract the variable cash advance rate (currently 21.74% p.a.). T&C applies.
