NAB Qantas Rewards Card

19.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$95

Qantas Frequent Flyer

NAB Qantas Rewards Card

19.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$95

Qantas Frequent Flyer

Mozo Review   NAB Qantas Rewards Card Review

Last updated: 17 October 2018.

What's hot:
  • 0.5 points per $1 on Visa up to $3,000 per month

  • 44 interest-free days

What's not:
  • Points capped at $3,000 per month

Mozo snapshot:

After a rewards credit card to help you bag free travel, but not fussed about the bells and whistles? Look no further than the NAB Qantas Rewards Card. Your points earn of 0.5 points per $1 will be funnelled straight into your Qantas Frequent Flyer account. Just keep in mind points are capped at $3,000 per month, and there is a $95 annual fee to consider.

Key features:

The NAB Qantas Rewards Card is a no-frills option for rewards points lovers who prefer to fly Qantas. With a 19.99% purchase rate, 21.74% cash advance rate, 44 interest free days and $95 annual fee, it’s pretty much on par with other rewards cards.

As for points, you’ll earn 0.5 points per $1 spent. One thing to keep in mind is that your points earn is capped at $3,000 per month - so spread out big spends in order to stay under the cap.

Points never expire and are credited straight to your Qantas Frequent Flyer membership, which comes free with the card, saving you $89.50 if you aren't already a member. You can cash in you hard-earned rewards points for freebies like flights, hotel accommodation, retail purchases through the Qantas store, or special offers through Visa Entertainment and Amex Connect.

If you're looking to blast debt away, there's a 0% balance transfer period for the first 6 months (2% balance transfer fee applies). But remember, after that, any leftover balance will be charged interest at the higher cash advance rate.

Plus, you can set your mind at ease, knowing that your NAB Qantas Rewards Card comes with complimentary purchase protection, as well as fraud protection and online security through Verified by Visa.

Who it's good for:

The NAB Qantas Rewards card is a good pick for spenders who want to use their points to travel on the cheap.

Any catches?

If you’re a big spender, keep in mind the $3,000 per month points cap. It’s also worth noting the 21.74% cash advance rate - which isn’t unusual for a rewards card, but could cost you a bundle all the same. So stay away from the ATM with this card in hand!


Rewards program details

Rates and fees information correct as at 19 December 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
What your points get you

Fly Sydney to London return

120,000 points

Fly Sydney to Melbourne one-way

8,000 points

$100 Giftcard

16,160 points

$100 Cash

-

Points earning

0.5 points per dollar on Visa, up to $3,000 per month

Rewards scheme

Points are automatically credited to the Qantas Frequent Flyer program.

All rewards are redeemed via Qantas Frequent Flyer.

Bonus points on selected Qantas products and services, including eligible Qantas flights.

Value of rewards points

Spend $32,320 (Visa)

Spend $16,000 (Visa)

Spend $240,000 (Visa)

at $3,000 monthly

Never

How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,

  • figure out how many flights or gift cards or cashback credits you could get for those points,

  • work out what that's actually worth to you,

  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.

  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.

  • In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.

  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.

  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.

  • Shopping rewards are based on $100 gift cards from a major national department store.

  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Close

Rate and fee details

Rates
  • 19.99% p.a.

  • none

  • 0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

  • yes

  • 21.74% p.a.

  • 44

Fees
  • $95.00

  • none

  • none

  • none

  • $15.00

  • 2%, Min $2.50

  • 3.00%

  • $7.00

  • $2.50

  • $0.00

Features
  • $25.00

  • 2.0

  • 1

  • none

Payment options

Google Pay, Samsung Pay, Garmin, Fitbit, PayTag

Rewards privileges

Purchase Protection

Customer Reviews

How are NAB credit cards rated by the Mozo community?

Overall customer rating
6.7/10

Based on 4139 NAB credit card reviews

Price
5.9/10
Features
6.0/10
Customer service
6.7/10
Convenience
7.5/10
Trust
6.9/10

Latest reviews of NAB Qantas Rewards Card

  • Overall
    10/10
    Friendly and courteous customer service!

    Always have had great experiences with their customer service. Staff are always friendly,...

    Always have had great experiences with their customer service. Staff are always friendly, courteous, reliable and provide as much support as possible.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Graham | Queensland

    reviewed 3 months ago

  • Overall
    8/10
    Lower Visa card rates

    Pleased with Visa card and Quantas points but Visa card's interest rate is very high

    Pleased with Visa card and Quantas points but Visa card's interest rate is very high

    Price
    6/10
    Features
    5/10
    Customer service
    7/10
    Convenience
    8/10
    Trust
    9/10

    Wendy | South Australia

    reviewed 3 months ago

  • Overall
    4/10
    Pushing customers out the door to use ATMs

    NAB seem to be pushing customers out the door to use ATMs. I imagine this is more cost effective...

    NAB seem to be pushing customers out the door to use ATMs. I imagine this is more cost effective for them but I worry that NAB staff will lose their jobs and that small rural branches will close down.

    Price
    6/10
    Features
    6/10
    Customer service
    6/10
    Convenience
    6/10
    Trust
    2/10

    Nelly | New South Wales

    reviewed 10 months ago

  • Overall
    3/10
    Not very competitive

    I am confident that my money with NAB is secure but there is nothing special or advantageous...

    I am confident that my money with NAB is secure but there is nothing special or advantageous about banking with them. I just haven't had the time to research it further as I'm sure that I could get a better rates elsewhere. You need to "shop around"

    Price
    2/10
    Features
    2/10
    Customer service
    2/10
    Convenience
    6/10
    Trust
    4/10

    Elizabeth | Tasmania

    reviewed 11 months ago

  • Overall
    4/10
    High annual fees on credit cards

    NAB staff can be friendly, but I'm unhappy with their credit card annual fees.

    NAB staff can be friendly, but I'm unhappy with their credit card annual fees.

    Price
    4/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -

    Bahareh | Victoria

    reviewed almost 2 years ago

NAB

About NAB

National Australia Bank is one of the big four banks who provide a large variety of financial products to the Australian Community. In recent times NAB has set itself apart from the other big four banks; by expanding their ATM network, removing many fees and maintaining low standard variable home loan rates. NAB's changes to its financial products have made their home loan, credit card, loans, savings accounts and personal loans more competitive within the banking industry.

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