- Earn up to 100,000 bonus Qantas Points – 60,000 points + $150 cashback after spending $3,000 in the first 90 days, plus 40,000 points on your card anniversary.
- Annual fee of $295.
- Variable Purchase rate: 20.99% p.a.
- Earn 0.67 Qantas Point per $1 on eligible purchases for the first $3,000 spent
- Earn 1 Qantas Point per $3 for the next $3,000 spent on everyday purchases
- 0% p.a. for 12 months on balance transfers. A one off 3% balance transfer fee applies. BT reverts to variable cash advance rate
- Up to 44 interest-free days on purchases
- Additional cardholder at no extra cost
- Complimentary Qantas frequent flyer membership
- Range of complimentary insurance covers
- International Travel Insurance for trips of up to 90 days (including COVID-19 coverage effective 30 June 2022, T&Cs apply)
- Tap and pay your way. Enabled for Apple Pay, Google Pay, Fitbit Pay, Garmin Pay and Samsung Pay
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NAB Credit Cards
NAB Qantas Rewards Premium Credit Card
Updated 15 January 2026
Earn up to 100,000 bonus Qantas Points on a new NAB Qantas Rewards Premium Card – 60,000 bonus points when you spend $3,000 on eligible purchases within the first 90 days from card approval, plus $150 cashback, and an additional 40,000 bonus points when you keep the card open for at least 12 months. Save with 0% p.a. for 12 months on balance transfers (3% balance transfer fee applies) and an annual fee of $295. Plus, get complimentary Qantas Frequent Flyer membership as well as a range of insurance covers.
Terms and conditions apply
Points Earn Rate (per $1 spent)
0.67 points
Capped at $3000, then 1 point per $3 spent capped at $6,000
Rewards Program
Qantas Frequent Flyer
Bonus Points
60,000 pts
+ 40,000 points when you keep your card for over 12 months, plus $150 cashback. Terms apply.
Pros and cons
- Points capped at $6,000 per statement period
- 3% balance transfer fee applies
Creditcard.com.au review
Editor Review
NAB Qantas Rewards Premium Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
The NAB Qantas Rewards Premium Credit Card
With up to 100,000 bonus Qantas Points, $150 cashback, plus 0% p.a. on balance transfers for 12 months, there is certainly a lot to love about the NAB Qantas Rewards Premium Credit Card. As a cardholder, you can also enjoy a decent earn rate on everyday spending, a full suite of complimentary insurance covers, Visa Front Line access and the service of a personal Platinum Concierge.
What we love...
One of the most enticing aspects of the NAB Qantas Rewards Premium Credit Card has to be its bonus points offer. With up to 100,000 bonus Qantas Points available to new cardholders, all you have to do is spend $3,000 on eligible purchases within the first 90 days of opening the account to receive 60,000 bonus Qantas Points plus $150 cashback. To earn the additional 40,000 bonus points, simply keep your card open for at least 12 months. Bonus points are typically credited within three months of meeting the spend criteria and during your 13th month.
What will 100,000 Qantas Points actually get you? With 21,500 Qantas Points, you could fly from Sydney to Phuket or browse the Qantas Store for popular rewards such as luggage or home appliances — all well within reach of this bonus.
If you want to pay down existing credit card debt, you could take advantage of 0% p.a. on balance transfers for 12 months, helping you save on interest while you focus on clearing your balance.
As a rewards card, the NAB Qantas Rewards Premium Credit Card keeps things simple. You’ll earn 0.67 Qantas Points per $1 on the first $3,000 spent each statement period, then 1 Qantas Point per $3 on the next $3,000, capped at $6,000. You’ll also receive complimentary Qantas Frequent Flyer membership if you’re not already a member.
What’s not so great...
While the bonus offer is generous, balance transfers attract a 3% fee and any unpaid transferred balance will revert to the card’s variable cash advance rate after the introductory period.
The card’s variable purchase and cash advance rates are on the higher side, so it’s best suited to cardholders who pay their balance in full each month. The annual fee is also something to consider, especially if you don’t make full use of the rewards and included benefits.
Why should you choose this card?
If earning Qantas Points on everyday spending is a priority, the NAB Qantas Rewards Premium Credit Card is a strong contender. The added $150 cashback sweetens the upfront value, while features like concierge service, Visa Front Line access and complimentary insurance cover add ongoing appeal.
Overall Rating
An excellent rewards card for frequent flyers, the NAB Qantas Rewards Premium Credit Card combines a strong points offer, $150 cashback and balance transfer savings with premium perks such as complimentary insurance and concierge access.
User reviews
Rates and fees
Interest rates
Purchase rate 20.99% p.a.
Cash advance rate 21.74% p.a.
Interest free period on purchases up to 44 days
Balance transfer
Balance transfer rate 0% p.a. for 12 months
Balance transfer revert rate 21.74% p.a.
Balance transfer from personal loan N/A
Balance transfer fee 3% one off
Balance transfer limit 90% of approved credit limit
Brands you can't balance transfer from NAB
Credit limits
Minimum credit limit $6,000
Maximum credit limit $30,000
Fees & repayments
Annual fee $295 p.a.
Additional cardholder fee $0 p.a.
Foreign transaction fee 3.5%
Minimum repayment 2% or $25 whichever is greater
Cash advance fee 3.5% or $3.50 (personal); 3% or $3 (business) whichever is greater
Late payment fee $20
Rewards and points
Rewards program
Rewards Program 
Qantas Frequent Flyer
Bonus points 60,000 points
Annual points cap 72,000
Bonus points spend criteria + 40,000 points when you keep your card for over 12 months, plus $150 cashback. Terms apply.
Earning points with this card
Qantas Rewards points 0.67 points per $1 spent
Points cap per month Capped at $3000, then 1 point per $3 spent capped at $6,000
Overseas earn rate same as standard earn rate
Additional features
Complimentary insurance
International Travel Insurance Yes - up to 3 months
Flight Inconvenience Insurance Yes
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance Yes
Extended Warranty Insurance Yes
Rental Vehicle Excess In Australia Insurance Yes
Extras
Travel insurance underwritten by Allianz Insurance
Free Qantas Frequent Flyer membership (save $99.50)
Enabled for Apple Pay, Google Pay, Fitbit Pay, Garmin Pay and Samsung Pay
Domestic travel insurance
Overview
NAB Qantas Rewards Premium Credit Card
Earn up to 100,000 bonus Qantas Points with the NAB Qantas Rewards Premium Card. Get 60,000 points and $150 cashback when you spend $3,000 in the first 90 days, plus another 40,000 points when you keep the card for 12 months. Earn 0.67 Qantas Points per $1 on the first $3,000 of eligible purchases and 1 point per $3 on the next $3,000 each statement period. Includes 0% p.a. on balance transfers for 12 months (3% fee applies), up to 44 days interest free, no cost for an additional cardholder, and complimentary Qantas Frequent Flyer membership. Enjoy travel insurance, purchase protection, and digital wallet compatibility. $295 annual fee. T&Cs apply.
Key features
- Earn up to 100,000 bonus Qantas Points on a new NAB Qantas Rewards Premium Card – 60,000 bonus points when you spend $3,000 on eligible purchases within the first 90 days from card approval, plus $150 cashback, and 40,000 bonus points when you keep the card open for at least 12 months.
- Annual fee of $295.
- Earn 0.67 Qantas Points per $1 spent up to $3,000. Then earn 1 Qantas Point per $3 from $3,001 - $6,000
- Points earning capped at $6,000 per statement period.
- 0% p.a. on balance transfers for 12 months. One off 3% balance transfer fee. BT reverts to variable cash advance rate
- Up to 44 interest-free days on purchases
- Additional cardholder at no extra cost
- 24/7 Concierge service
- 5 types of complimentary insurances including International Travel insurance (COVID-19 coverage included effective 30 June 2022, T&Cs apply)
- Complimentary Qantas Flyer program membership
- Tap and pay your way. Enabled for Apple Pay, Google Pay, Fitbit Pay, Garmin Pay and Samsung Pay
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Australian or New Zealand citizen; Australian Permanent Resident or non-resident holding an acceptable Temporary Residency Visa
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
Recently Asked Questions
Something you need to know about this card? Ask our credit card expert a question.
Ask a question24 questions (showing the latest 10 Q&As)
What are eligible purchases in order to get the 60,000 bonus point on my new credit card
Hi Moses, the NAB Qantas Rewards Premium Credit Card doesn't have a specific list of “eligible purchases”. However, thankfully they do provide a list of non-eligible purchases, which include annual fees, cash advances, interest, fees and any charges for traveller's cheques and foreign currencies. At the end of the day anything that is a “retail” transaction is eligible, but it always pays to check before you spend up. Thanks!
my additional card holder Ana purchased a ticket for $8100. using my qantas rewards card. will that entitled me to earn a bonus points of 60,000 as per advertised…
Hi Efren, with this card you only need to spend $2,000 within the first 60 days from approval to be eligible for the 60,000 bonus points. As the primary card holder is responsible for any debt accrued, if your purchases fall within this period, you can potentially qualify. The bonus Qantas Points will be credited to your points balance within three months of meeting the spend criteria. You should check your statement to see when the purchase was made, and if you have any concerns it’s always good to call NAB to double check. Thanks!
Can you override the annual fee if you are a shareholder? Or how can you have the card without having to pay the yearly fee?
Hi Maria, that's a fabulous question! You could give NAB a call to request a waiver of the annual fee, but it's totally up to them if they grant it. I'm not sure about any sway you might have as a shareholder. NAB's customer service may be able to let you know. Thanks Maria!
What are the Qantas earning points on an existing Qantas Visa Platinum card issued in 2016. Not the current Rewards card. Brendan
Hi Brendan, not sure what card you’re referring to. If you’re referring to the NAB Qantas Rewards Premium card, you earn 1 Qantas Point per $1.50 on eligible purchases for the first $3,000 spent and 1 Qantas Points per $3 for the next $3,000 spent on everyday purchases. However, if you're referring to a different NAB card, I recommend contacting them directly to confirm the details.
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Creditcard.com.au Visitor
18 April 2013Depending on what you're looking for and when you take up this offer (I got 38,000 bonus points just for joining) this is one of the best cards on the market. 38,000!! Sure, high annual fee but this is offset by many benefits. Save your money, use your card, no fees incurred and point accrued. Win for you, lose for them =)
Recommends this card