Earning a little something extra on your spending may be exactly what you want from your handy piece of plastic, in which case, the NAB Rewards Signature Card and it’s cash back, flight and gift card rewards could be just what you're looking for. Earning rewards is made even easier when you can bag up to 160,000 bonus points by spending $3,000 on everyday purchases during the first 60 days and keeping your account open for over 12 months.
It also took out a win the 2023 Mozo Experts Choice Awards!
Like the sound of collecting premium perks, freebies and bonuses while you spend on your plastic? Then the NAB Rewards Signature Card is definitely worth a look.
You can hit the ground running on your rewards earning by scoring up to 160,000 bonus points (120,000 when $3,000 is spent on everyday purchases within the first 60 days and then 40,000 points in your 19th month). Other than that, you’ll earn up to 3.75 points per $1 on your everyday spending, and there’s no need to worry about claiming your rewards by a certain deadline, as the points are uncapped and never expire.
You can redeem points for things like retail products, gift cards or cash back through the NAB Rewards program, but if you’re looking for other ways to claim rewards, then you can convert your points to either Airpoints Dollars, Cathay Pacific or Velocity Frequent Flyer Points. If you aren’t connected with any of those programs, you can also use your points to book flights with lots of different airlines through Webjet.
More than just rewards, NAB Rewards Signature Card comes with some inbuilt perks, including things like extended warranty on products and concierge services.
If you’re looking to clear some lingering credit card debt, the NAB Rewards Signature Card also comes with a 0% p.a. balance transfer rate for the first 12 months, although keep in mind that there’s a 3% BT fee and any leftover balance after this period will be charged interest at the steep 21.74% p.a. variable cash advance rate.
If you want to share this card with a significant other, you can do so for no extra cost as you get an additional cardholder for free.
As you’re able to connect the NAB Rewards Signature Card with a couple different airline partners to claim flight rewards, this card is great for travellers looking to funnel all their points into flight rewards.
The rewards potential of the NAB Rewards Signature Card is great, but the card does come with a $145 annual fee, so make sure you weigh up the ongoing fee against the freebies and perks on offer.
Rates and fees information correct as at 29 March 2024. 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.
239,200 points
15,600 points
20,410 points
25,000 points
1.25 points per dollar on Visa, uncapped
Points are automatically credited to the NAB Rewards Program.
Redeem points via Webjet to book any flight you want.
Receive up to 160,000 Bonus Points. That's 120,000 Points if you spend $3,000 on everyday purchases within 60 days of account opening and an additional 40,000 after 12 months.
Spend $20,000 (Visa)
Spend $16,328 (Visa)
Spend $12,480 (Visa)
Spend $191,360 (Visa)
Uncapped
36 months
20.99% p.a. |
|
none |
|
0% p.a. for 12 months and then 21.74% p.a. (3.00% balance transfer fee) |
|
yes |
|
21.74% p.a. |
|
44 |
$295.00 |
|
$145 in the first year |
|
none |
|
none |
|
$15.00 |
|
3%, Min $3 |
|
3.00% |
|
$0.00 |
|
$0.00 |
|
$0.00 |
$25.00 |
|
2.0 |
|
1 |
|
Minimum credit limit $15,000. |
Apple Pay, Google Wallet, Samsung Pay, Garmin, Fitbit
Concierge,
Extended Warranty,
Purchase Protection,
International Travel Insurance,
Interstate Flight Inconvenience Insurance,
Rental Vehicle Excess in Australia Insurance
Redeem NAB Rewards points via Webjet to book flights with any airline.
I was having trouble paying off my credit card because my interest rate was so high 19.99%. When Covid struck they dropped the credit rate by 2.5% for 3 months so I contacted the bank. I spoke to a lovely gentleman and told him all my troubles about not being able to pay off the card and how it was affecting me financially. He got my next months interest rate waived and for the next 3 months my interest rate was 6.5%. Lastly he got my interest rate dropped to 9.95% for the life of the credit card. This has made a huge difference in me being able to pay off a lot of the $10,000 I owed on the credit card. The interest rate is one that I can pay off as well as some of the balance. I am feeling in a more happy place now and it is all because of this one gentleman on the phone.
Read full reviewI was having trouble paying off my credit card because my interest rate was so high 19.99%. When Covid struck they dropped the credit rate by 2.5% for 3 months so I contacted the bank. I spoke to a lovely gentleman and told him all my troubles about not being able to pay off the card and how it was affecting me financially. He got my next months interest rate waived and for the next 3 months my interest rate was 6.5%. Lastly he got my interest rate dropped to 9.95% for the life of the credit card. This has made a huge difference in me being able to pay off a lot of the $10,000 I owed on the credit card. The interest rate is one that I can pay off as well as some of the balance. I am feeling in a more happy place now and it is all because of this one gentleman on the phone.
The bank is great. The rewards credit card though is very confusing. I would like to be able to see how much I owe at any given time, but it is not set up that way. I’m thinking of cancelling it as I like to know how much I’m spending.
Read full reviewThe bank is great. The rewards credit card though is very confusing. I would like to be able to see how much I owe at any given time, but it is not set up that way. I’m thinking of cancelling it as I like to know how much I’m spending.
They gave me this card, and then charged me $179 without asking. I don’t use a credit card, so they did no research in seeing if this was the right card for me.
Read full reviewThey gave me this card, and then charged me $179 without asking. I don’t use a credit card, so they did no research in seeing if this was the right card for me.
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Platinum Edge Credit Card
23.99% p.a.
No current offer
$195 $0 in the first year
Membership Rewards
Platinum Visa Credit Card
19.99% p.a.
No current offer
$299
Qantas Frequent Flyer
Qantas Ultimate Card
23.99% p.a.
No current offer
$450
Qantas Frequent Flyer
Explorer Credit Card
23.99% p.a.
No current offer
$395
Membership Rewards
Velocity Platinum Card
23.99% p.a.
No current offer
$375
Velocity Frequent Flyer
Qantas Discovery Card
23.99% p.a.
No current offer
$0
Qantas Frequent Flyer
Qantas Ultimate Card
Qantas Frequent Flyer
$450
100,000
1.25 points up to 100,000 points/year, then
1 point uncapped
Platinum Visa Credit Card
Qantas Frequent Flyer
$299
50,000
1 point up to 20,000 points/month
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250 $150 in the first year
70,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Qantas Premium Card
Qantas Frequent Flyer
$249
20,000
1 point uncapped
Rewards Signature Card
NAB Rewards
$295 $145 in the first year
160,000
1.25 points uncapped
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
120,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
Low Rate Card
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
13.49% p.a.
$59 $0 in the first year
Premier Credit Card
0% p.a. for 6 months and then 22.24% p.a.
21.49% p.a.
$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year
Citi Rewards Program
Blue Visa Credit Card
0% p.a. for 9 months and then 21.74% p.a.
0% p.a. for 9 months then 20.74% p.a.
$60
Q Rewards
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 24 months and then 20.99% p.a.
20.74% p.a.
$149 $0 in the first year
Velocity Frequent Flyer
More Mastercard
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
19.99% p.a.
$100
Bankwest More Rewards
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
Blue Visa Credit Card
0% p.a. for 9 months then 20.74% p.a.
0% p.a. for 9 months and then 21.74% p.a.
$60
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 24 months and then 20.99% p.a.
$149 $0 in the first year