- Limited time offer: Earn up to 130,000 bonus Qantas Points on a new NAB Qantas Rewards Signature Card. Receive 100,000 bonus Qantas Points plus $250 cashback when you spend $5,000 in the first 90 days, and an extra 30,000 bonus Qantas Points when you keep your card open for over 12 months.
- Money-saving extras: 0% p.a. for 12 months on balance transfers with a one-off 3% balance transfer fee.
- Earn points: Earn 1 Qantas Point per $1 spent up to $5,000 and then 0.5 Qantas Points per $1 spent between $5,001 and $20,000
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NAB Credit Cards
NAB Qantas Rewards Signature Credit Card
Updated 15 January 2026
Earn up to 130,000 bonus Qantas Points on a new NAB Qantas Rewards Signature Card (conditions apply). Plus, receive $250 cashback when you meet the minimum spend requirement. With a balance transfer offer, you'll pay 0% p.a. on balance transfers for 12 months (a one-off 3% balance transfer fee applies).
Terms and conditions applyPoints Earn Rate (per $1 spent)
1 point
Capped at $5000, then 0.5 pts per $1 up to $20,000
Rewards Program
Qantas Frequent Flyer
Bonus Points
100,000 pts
+ 30,000 points when you keep your card open for over 12 months. Plus, receive $250 cashback when you spend $5,000 within the first 90 days. Conditions apply.
Pros and cons
- Points cap of $20,000 per month
- Once the 12-month period is up, the balance transfer rate reverts to the variable cash advance rate of 21.74% p.a.
Creditcard.com.au review
Editor Review
NAB Qantas Rewards Signature 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.
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The Big Review: NAB Qantas Rewards Signature Card
NAB’s highest earning Qantas card, the NAB Qantas Rewards Signature Card provides cardholders with much more than just a great earn rate on the Qantas program. If you apply now, you can also receive up to 130,000 bonus Qantas Points, including 100,000 points plus $250 cashback when you spend $5,000 in the first 90 days, and an additional 30,000 points when you keep your card open for over 12 months. You'll also get a personal concierge service, five complimentary insurances and access to exclusive lifestyle, entertainment and travel rewards, deals and discounts through Visa Offers + Perks.
- Up to 130,000 bonus Qantas Points on a new NAB Qantas Rewards Signature Card (100,000 points plus $250 cashback when you spend $5,000 within the first 90 days, and 30,000 points when you keep your card open for over 12 months).
- Annual fee of $420 p.a.
- 0% p.a. on balance transfers for 12 months
- Up to 44 days interest free on purchases
- Earn 1 Qantas Point per $1 up to $5,000 and 0.5 Qantas Points per $1 from $5,001 to $20,000 on everyday purchases
- Earn 1 additional Qantas Point per $1 on eligible Qantas products and services
- Free Qantas Frequent Flyer membership (a saving of $99.50)
- Redeem rewards in the Qantas program, including award flights, products and vouchers from the Qantas store
- 24/7 Personal Concierge
- Access to lifestyle, entertainment and travel rewards, deals and discounts with Visa Offers + Perks
- Complimentary insurance cover on eligible travel and retail purchases
- $15,000 minimum credit limit
- Balance transfer must be applied for during card application (a 3% balance transfer fee applies). BT reverts to variable cash advance rate of 21.74% p.a.
- Offer unavailable if closing/transferring from another NAB credit card account.
- Variable Purchase rate: 20.99% p.a.
- Variable Cash Advance rate: 21.74% p.a.
- Points are capped at $20,000 spend per statement period.
- Interest free days only available if you pay your account in full by the due date each month. You won’t receive interest free days if you have a balance transfer.
This Card: The Lowdown
Providing premium perks and a decent points-earning potential, the NAB Qantas Rewards Signature Card is an excellent choice for cardholders who want to earn big on the Qantas frequent flyer program.
With this card, you can earn Qantas Points on everyday purchases with the opportunity to earn additional points on eligible Qantas spending. If you apply, you can also enjoy up to 130,000 bonus Qantas Points plus $250 cashback.
Splurging 130,000 bonus Qantas Points
Where could you go?
- You could fly Sydney to Auckland one-way six times, using 18,000 Qantas Points each time.
- You could fly Melbourne to Nadi for 20,300 Qantas Points in Economy, or 57,000 Qantas Points in Business.
- You could explore the United States, flying one way from Brisbane to Seattle for 55,900 Qantas Points, Brisbane to Los Angeles or Phoenix for 41,900 Qantas Points each way.
As a premium card, the NAB Qantas Rewards Signature Card has plenty going for it.
- 24/7 Personal Concierge, providing assistance by booking travel, making dinner reservations, buying tickets and arranging the purchase and delivery of gifts for loved ones.
- Access to lifestyle, entertainment and travel rewards, deals and discounts through Visa Offers + Perks.
Five complimentary insurances covering eligible travel and retail purchases:
- International travel insurances cover,
- Extended warranty insurance cover,
- Purchase protection insurance cover,
Digging Deeper
With the basics covered, it’s time to dig a little deeper into what’s on offer with the NAB Qantas Rewards Signature Card so you can decide whether this card is right for you.
This Card: As a Rewards Card
As this card has the highest earn rate among the trio of NAB Qantas Frequent Flyer linked credit cards, it offers you the best opportunity to earn big on everyday spending when you choose to bank with NAB.
- Earn 1 Qantas Point per $1 up to $5,000 on everyday purchases,
- Earn 0.5 Qantas Points per $1 from $5,001 to $20,000 on everyday purchases,
- Earn 1 additional Qantas Point per $1 on eligible Qantas products and services.
Because there is a points cap in place, with points being earned on a tiered system, this card may not be suitable for everyone. However, it is worth noting that there is no points expiry on this card.
If you are new to the Qantas program, you will receive free Qantas Frequent Flyer membership when you sign up for this card, giving you a saving of $99.50.
As for the 130,000 bonus Qantas Points, you will receive 100,000 bonus Qantas Points plus $250 cashback when you spend $5,000 in the first 90 days of account opening. An additional 30,000 bonus Qantas Points will be credited when you keep your card open for over 12 months.
Decision Time
If you don’t mind spending $5,000 on your card within the first 90 days and keeping your card for over 12 months, then the NAB Qantas Rewards Signature Card is a strong option, offering up to 130,000 bonus Qantas Points plus $250 cashback. It also comes with a solid earn rate and premium perks such as complimentary insurance cover, a 24/7 concierge service and access to Visa Offers + Perks.
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 $15,000
Maximum credit limit $75,000
Fees & repayments
Annual fee $420 p.a.
Additional cardholder fee $0 p.a.
Foreign transaction fee 3%
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 100,000 points
Annual points cap 240,000
Bonus points spend criteria + 30,000 points when you keep your card open for over 12 months. Plus, receive $250 cashback when you spend $5,000 within the first 90 days. Conditions apply.
Earning points with this card
Qantas Rewards points 1 point per $1 spent
Points cap per month Capped at $5000, then 0.5 pts per $1 up to $20,000
Overseas earn rate same as standard earn rate
Additional features
Complimentary insurance
International Travel Insurance Yes - up to 6 months
Flight Inconvenience Insurance No
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 Australia Insurance Limited
Enabled for Apple Pay, Google Pay, Fitbit Pay, Garmin Pay and Samsung Pay
Complimentary Qantas Frequent Flyer membership (a saving of $99.50)
Overview
NAB Qantas Rewards Signature Credit Card
Earn up to 130,000 bonus Qantas Points with the NAB Qantas Rewards Signature Card. Receive 100,000 points plus $250 cashback when you spend $5,000 in the first 90 days, plus an extra 30,000 points when you keep the card for over 12 months. Enjoy 0% p.a. on balance transfers for 12 months (a 3% balance transfer fee applies), and earn 1 Qantas Point per $1 on the first $5,000 spent each month, then 0.5 points per $1 up to $20,000. Includes complimentary travel insurance and 24/7 NAB Concierge, plus compatibility with major digital wallets. T&Cs apply.
Key features
- Up to 130,000 bonus Qantas Points on a new NAB Qantas Rewards Signature Card (100,000 points plus $250 cashback when you spend $5,000 within the first 90 days, and 30,000 points when you keep your card open for over 12 months)
- 0% p.a. for 12 months on balance transfers with a one off 3% balance transfer fee. BT reverts to variable cash advance rate of 21.74% p.a.
- Earn 1 Qantas Point per $1 spent up to $5,000 and then 0.5 Qantas Points per $1 spent between $5,001 and $20,000
- Complimentary International and Domestic Travel Insurance (including COVID-19 coverage effective 30 June 2022, T&Cs apply)
- Personal NAB Concierge available 24/7 to assist with travel and lifestyle services
- Up to 44 interest-free days on purchases
- 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
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