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points over 12 months Calculate your savings icon

Earn rate per $1

1.25 points
16.77% Complete (success)
NAB Rewards

Bonus points

90,000 points
90,000% Complete (success)

Annual fee

$295
p.a.
295% Complete (success)

Pros

Earn 90,000 Bonus Points on a new NAB Rewards Signature Card when you spend $2,500 on everyday purchases within 60 days of account opening

Earn rate 1.25 NAB Rewards Points per $1 spent

Enjoy complimentary insurances, including Overseas Travel Insurance

0% p.a. for 6 months on balance transfers. One off 2% BT fee applies. Reverts to cash advance rate.

Your own 24 hour, 7 day personal assistant for travel and lifestyle services with NAB Concierge

Cons

High annual fee

2% balance transfer fee

NAB Rewards Signature Credit Card

Earn 90,000 Bonus Points on a new NAB Rewards Signature Card when you spend $2,500 on everyday purchases within 60 days of account opening. Earn 1.25 NAB Rewards Points for every dollar spent on everyday purchases.

Key features

  • Earn 90,000 Bonus Points on a new NAB Rewards Signature Card when you spend $2,500 on everyday purchases within 60 days of account opening
  • Earn rate 1.25 NAB Rewards Points per $1 spent
  • Enjoy complimentary insurances, including Overseas Travel Insurance when you spend $500 or more of your pre-booked travel using your card.
  • 0% p.a. for 6 months on balance transfers. One off 2% BT fee applies. Reverts to cash advance rate.
  • Your own 24 hour, 7 day personal assistant for travel and lifestyle services with NAB Concierge
100% of customers who have rated this card would recommend it
  • Rates
    61%
  • Fees
    60%
  • Rewards
    74%
  • Customer Service
    93%
  • Value
    72%
Overall user rating 72%
1 reviews
Interest Rates
Purchase rate 19.99% p.a.
Cash advance rate 21.74% p.a.
Interest free on purchases up to 44 days
Balance Transfer
Balance transfer rate 0% p.a. for 6 months
Balance transfer fee 2% one off
Balance transfer revert rate 21.74% p.a.
Balance transfer limit 90% of your approved new credit limit
Balance transfer from personal loan No
Banks you can't balance transfer from NAB
Credit limits
Minimum credit limit $15,000
Maximum credit limit $55,000
Fees & repayments
Annual fee $295 p.a.
Additional cardholder fee $0 p.a.
Cash advance fee 2%
Foreign transaction fee 3%
Late payment fee $15
Credit card type Visa
Rewards program
Rewards program NAB Rewards NAB Rewards
Bonus points 90,000 NAB points
Annual points cap uncapped
Bonus points spend criteria Spend $2,500 within first 60 days
Earning points with this card
NAB points 1.25 points per $1 spent
Overseas earn rate 3.75 points per $1 spent
Points cap per month N/A
Complimentary insurance
Overseas travel insurance yes - up to months
Flight inconvenience insurance Yes
Transport accident cover Yes
Smartphone screen insurance No
Purchase protection insurance Yes
Extended warranty insurance Yes
Rental vehicle excess cover No
Extras
Domestic hotel burglary insurance

The NAB Rewards Signature Credit Card with 90,000 NAB Bonus Points

If you want something more from your credit card, perhaps the NAB Rewards Signature Credit Card is for you. Designed to offer prestige perks, this rewards card lets you earn as you spend on NAB’s own rewards program, while enjoying a number of excellent features and benefits.

Still want more? To sway your decision, NAB is currently offering a pretty sweet deal as an introductory offer, providing new cardholders with 90,000 bonus NAB Rewards Points to spend on all sorts of lovely stuff within the NAB Rewards Store.

So, without further ado, let’s look a little closer at this prestige piece of plastic, to find out if it’s got what it takes to keep you happy as a cardholder.

What we love...

Before we get into anything else, we really have to talk about that introductory offer. Providing you with a nice chunk of points to get you started, the NAB Rewards Signature Credit Card is currently offering 90,000 bonus NAB Rewards Points when you spend $2,500 on everyday purchases within 60 days of the account being opened.

What does 90,000 NAB Rewards Points mean for you? Well, as a guide, that would equate to $500 in gift cards. If you’re not keen on gift cards, also available within the NAB Rewards Store is a range of homewares and technology, as well as travel-related purchases through Webjet.

As for your everyday earn rate, this card allows you to earn 1.25 NAB Rewards Points per $1 spent on everyday purchases, double points on purchases made in major department and hardware stores, and triple points with Webjet, when travelling overseas or on overseas purchases made here in Australia.

And, while it may not be the big head-liner here, there is a balance transfer offer available as well. If you want to pay down existing credit card debt, you could transfer it to the NAB Rewards Signature Credit Card to benefit from 0% p.a. on balance transfers for six months, with a 2% balance transfer fee.

What’s not so great...

What should you know before you apply for the NAB Rewards Signature Credit Card? Well, as you would expect from a prestige card, there is a significant annual fee to cover, as well as a relatively high interest rate on purchases and cash advances.

However, you may find that you’re getting enough back from the card to make the annual fee worthwhile, while avoiding interest by paying off the balance month-to-month. What’s also worth bearing in mind though, is that the minimum credit limit is $15,000, and any unpaid balance transfers revert to the cash advance rate when the intro period ends.

Why should you choose this card?

If you love the bonus points on offer and the earn rate available, you may be interested in some of the other features this card could provide. With the NAB Concierge Service, you have your own personal assistant available 24/7 for travel and lifestyle services, as well as ticket reservation assistance from Visa Front Line Access.

On top of that, you have a raft of complimentary insurances covering you, including overseas travel insurance, transport accident insurance, interstate flight inconvenience insurance and domestic hotel burglary insurance, as well as purchase protection, extended warranty and price protection.

Overall Rating

A prestige card that earns points on the NAB Rewards program, offering 90,000 bonus points and a host of convenient features and benefits.

6 questions (showing the latest 10 Q&As)

Nik

Nik

7 June 2018
How mAny days does it takes to get the credit card after application at my address
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 June 2018
    Hi Nik, this can vary. Once approved you should have the card within 5 working days.
Antonietta Dominello

Antonietta Dominello

1 June 2018
Hi Roland. Are these points only for rewards points or are they also and can be used for Qantas Frequent Flyer as well?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 June 2018
    Hi Antonietta, these are custom NAB Reward points. If you want to earn Qantas points then I suggest the NAB Qantas Rewards Signature. It comes with 100k bonus Qantas points sign up bonus.
Annette McConaghy

Annette McConaghy

30 March 2018
When are the annual fees paid? When the account is opened, at the end of each yearly period or at a particular time of year??
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 April 2018
    Hi Annette, the annual fee is charged typically soon after card activation, then on the anniversary each year.
Bill

Bill

11 March 2018
Hi, can I receive reward points for transferring an amount to another banks credit card? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 March 2018
    Hi Bill, you do not earn reward points on any balance transfer that you make in Australia.
Lee-Anne

Lee-Anne

1 February 2018
What is considered to be everyday purchases please?? Shopping, paying bills etc ?? Grateful if you would clarify NAB's position exactly on what accrues points on this card. Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 February 2018
    Hi Lee-Anne, yes shopping, paying bills. I have found this PDF on the NAB site - https://www.nab.com.au/content/dam/nabrwd/personal/banking/documents/nab-rewards-terms-and-conditions.pdf. If you look at point 5 its about what transactions don't earn points. There are some goods and services which you can purchase using your card which won’t earn points because they aren’t eligible for the purposes of NAB Rewards. They are: (i) cash advances (which include bills paid over the counter at a bank, financial institution or post office, and the purchase of travellers cheques); (ii) interest charges and other bank fees and charges (including any GST payable on any of these) applicable to your rewards card account or use of the card or to NAB Rewards; (iii) transactions where the card is used to make payments to the Australian Taxation Office (ATO) (including related fees and charges); (iv) balance transfers; (v) transactions where a card is used to access linked transaction accounts; (vi) purchase of foreign exchange or travellers cheques and money orders; (vii) for a personal rewards card account, transactions we decide are wholly or partly for business purposes; and (viii) transactions for gambling and gaming purposes (examples include purchase of lottery tickets purchases of gaming chips or tokens and online gambling).
Mario DePasquale

Mario DePasquale

14 January 2018
are these points Quantas Frequent Flyer Points ??
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Resident or citizen of Australia. Temporary residents are eligible.
  • You have your personal details ready to complete the online application
NAB Rewards Signature Credit Card
NAB Rewards Signature Credit Card

NAB Credit Cards

NAB Rewards Signature Credit Card

Updated 24 April 2019

Points Earn Rate (per $1 spent)

1.25

points

NAB

Rewards Program

NAB Rewards

Bonus Points

90,000 pts

Spend $2,500 within first 60 days

0 points over 12 months spend

My monthly card spend

Pros and cons

  • Earn 90,000 Bonus Points on a new NAB Rewards Signature Card when you spend $2,500 on everyday purchases within 60 days of account opening
  • Earn rate 1.25 NAB Rewards Points per $1 spent
  • Enjoy complimentary insurances, including Overseas Travel Insurance
  • 0% p.a. for 6 months on balance transfers. One off 2% BT fee applies. Reverts to cash advance rate.
  • Your own 24 hour, 7 day personal assistant for travel and lifestyle services with NAB Concierge

  • High annual fee
  • 2% balance transfer fee

Creditcard.com.au review

Editor Review

The NAB Rewards Signature Credit Card with 90,000 NAB Bonus Points

If you want something more from your credit card, perhaps the NAB Rewards Signature Credit Card is for you. Designed to offer prestige perks, this rewards card lets you earn as you spend on NAB’s own rewards program, while enjoying a number of excellent features and benefits.

Still want more? To sway your decision, NAB is currently offering a pretty sweet deal as an introductory offer, providing new cardholders with 90,000 bonus NAB Rewards Points to spend on all sorts of lovely stuff within the NAB Rewards Store.

So, without further ado, let’s look a little closer at this prestige piece of plastic, to find out if it’s got what it takes to keep you happy as a cardholder.

What we love...

Before we get into anything else, we really have to talk about that introductory offer. Providing you with a nice chunk of points to get you started, the NAB Rewards Signature Credit Card is currently offering 90,000 bonus NAB Rewards Points when you spend $2,500 on everyday purchases within 60 days of the account being opened.

What does 90,000 NAB Rewards Points mean for you? Well, as a guide, that would equate to $500 in gift cards. If you’re not keen on gift cards, also available within the NAB Rewards Store is a range of homewares and technology, as well as travel-related purchases through Webjet.

As for your everyday earn rate, this card allows you to earn 1.25 NAB Rewards Points per $1 spent on everyday purchases, double points on purchases made in major department and hardware stores, and triple points with Webjet, when travelling overseas or on overseas purchases made here in Australia.

And, while it may not be the big head-liner here, there is a balance transfer offer available as well. If you want to pay down existing credit card debt, you could transfer it to the NAB Rewards Signature Credit Card to benefit from 0% p.a. on balance transfers for six months, with a 2% balance transfer fee.

What’s not so great...

What should you know before you apply for the NAB Rewards Signature Credit Card? Well, as you would expect from a prestige card, there is a significant annual fee to cover, as well as a relatively high interest rate on purchases and cash advances.

However, you may find that you’re getting enough back from the card to make the annual fee worthwhile, while avoiding interest by paying off the balance month-to-month. What’s also worth bearing in mind though, is that the minimum credit limit is $15,000, and any unpaid balance transfers revert to the cash advance rate when the intro period ends.

Why should you choose this card?

If you love the bonus points on offer and the earn rate available, you may be interested in some of the other features this card could provide. With the NAB Concierge Service, you have your own personal assistant available 24/7 for travel and lifestyle services, as well as ticket reservation assistance from Visa Front Line Access.

On top of that, you have a raft of complimentary insurances covering you, including overseas travel insurance, transport accident insurance, interstate flight inconvenience insurance and domestic hotel burglary insurance, as well as purchase protection, extended warranty and price protection.

Overall Rating

A prestige card that earns points on the NAB Rewards program, offering 90,000 bonus points and a host of convenient features and benefits.

User reviews

NAB Rewards Signature Credit Card ( based on 1 Creditcard.com.au user review )

72% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates

Purchase rate 19.99% p.a.

Cash advance rate 21.74% p.a.

Interest free on purchases up to 44 days

Balance transfer

Balance transfer rate 0% p.a. for 6 months

Balance transfer revert rate 21.74% p.a.

Balance transfer from personal loan No

Balance transfer fee 2% one off

Balance transfer limit 90% of approved credit limit

Banks you can't balance transfer from NAB

Credit limits

Minimum credit limt $15,000

Maximum credit limit $55,000

Fees & repayments

Annual fee $295 p.a.

Additional card holder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment

Cash advance fee 2%

Late payment fee $15

Rewards and points

Rewards program

Rewards Program NAB Rewards NAB Rewards

Bonus points 90,000 NAB points

Annual points cap uncapped

Bonus points spend criteria Spend $2,500 within first 60 days

Earning points with this card

NAB pointsNAB points 1.25 points per $1 spent

Points cap per month N/A

Overseas earn rateOverseas earn rate 3.75 points per $1 spent

Additional features

Complimentary insurance

Overseas travel insurance yes

Flight inconvenience insurance Yes

Transport accident cover Yes

Smartphone screen insurance No

Purchase protection insurance Yes

Extended warranty insurance Yes

Rental vehicle excess cover No

Extras

Domestic hotel burglary insurance

Overview

NAB Rewards Signature Credit Card

Earn 90,000 Bonus Points on a new NAB Rewards Signature Card when you spend $2,500 on everyday purchases within 60 days of account opening. Earn 1.25 NAB Rewards Points for every dollar spent on everyday purchases.

Key features

  • Earn 90,000 Bonus Points on a new NAB Rewards Signature Card when you spend $2,500 on everyday purchases within 60 days of account opening
  • Earn rate 1.25 NAB Rewards Points per $1 spent
  • Enjoy complimentary insurances, including Overseas Travel Insurance when you spend $500 or more of your pre-booked travel using your card.
  • 0% p.a. for 6 months on balance transfers. One off 2% BT fee applies. Reverts to cash advance rate.
  • Your own 24 hour, 7 day personal assistant for travel and lifestyle services with NAB Concierge

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Resident or citizen of Australia. Temporary residents are eligible.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

6 questions (showing the latest 10 Q&As)

Nik

Nik

7 June 2018
How mAny days does it takes to get the credit card after application at my address
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 June 2018
    Hi Nik, this can vary. Once approved you should have the card within 5 working days.
Antonietta Dominello

Antonietta Dominello

1 June 2018
Hi Roland. Are these points only for rewards points or are they also and can be used for Qantas Frequent Flyer as well?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 June 2018
    Hi Antonietta, these are custom NAB Reward points. If you want to earn Qantas points then I suggest the NAB Qantas Rewards Signature. It comes with 100k bonus Qantas points sign up bonus.
Annette McConaghy

Annette McConaghy

30 March 2018
When are the annual fees paid? When the account is opened, at the end of each yearly period or at a particular time of year??
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 April 2018
    Hi Annette, the annual fee is charged typically soon after card activation, then on the anniversary each year.
Bill

Bill

11 March 2018
Hi, can I receive reward points for transferring an amount to another banks credit card? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 March 2018
    Hi Bill, you do not earn reward points on any balance transfer that you make in Australia.
Lee-Anne

Lee-Anne

1 February 2018
What is considered to be everyday purchases please?? Shopping, paying bills etc ?? Grateful if you would clarify NAB's position exactly on what accrues points on this card. Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 February 2018
    Hi Lee-Anne, yes shopping, paying bills. I have found this PDF on the NAB site - https://www.nab.com.au/content/dam/nabrwd/personal/banking/documents/nab-rewards-terms-and-conditions.pdf. If you look at point 5 its about what transactions don't earn points. There are some goods and services which you can purchase using your card which won’t earn points because they aren’t eligible for the purposes of NAB Rewards. They are: (i) cash advances (which include bills paid over the counter at a bank, financial institution or post office, and the purchase of travellers cheques); (ii) interest charges and other bank fees and charges (including any GST payable on any of these) applicable to your rewards card account or use of the card or to NAB Rewards; (iii) transactions where the card is used to make payments to the Australian Taxation Office (ATO) (including related fees and charges); (iv) balance transfers; (v) transactions where a card is used to access linked transaction accounts; (vi) purchase of foreign exchange or travellers cheques and money orders; (vii) for a personal rewards card account, transactions we decide are wholly or partly for business purposes; and (viii) transactions for gambling and gaming purposes (examples include purchase of lottery tickets purchases of gaming chips or tokens and online gambling).
Mario DePasquale

Mario DePasquale

14 January 2018
are these points Quantas Frequent Flyer Points ??

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