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 140,000 bonus points by spending $3,000 on everyday purchases during the first 60 days and keeping your account open for over 12 months.
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 140,000 bonus points (100,000 when $3,000 is spent on everyday purchases within the first 60 days and then 40,000 points in your 13th month). Other than that, you’ll earn 1.25 points per $1 on your 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, Asia Miles 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. 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 $295 annual fee, so make sure you weigh up the ongoing fee against the freebies and perks on offer.
Also, please note, travel claims related to COVID-19 are not covered by any NAB complimentary credit card travel product - remember to check the T&C's.
Fly Sydney to London return
239,200 points
Fly Sydney to Melbourne one-way
15,600 points
$100 Giftcard
20,410 points
$100 Cash
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 140,000 Bonus Points. That's 100,000 Points if you spend $3,000 on everyday purchases within 60 days of account opening and an additional 40,000 in the 13th month.
Spend $20,000 (Visa)
Spend $16,328 (Visa)
Spend $12,480 (Visa)
Spend $191,360 (Visa)
Uncapped
Never
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.
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19.99% 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 |
|
|
none |
|
|
none |
|
|
none |
|
|
$15.00 |
|
|
2%, Min $2.50 |
|
|
3.00% |
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|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
$25.00 |
|
|
2.0 |
|
|
1 |
|
|
Travel claims related to COVID-19 are not covered by any NAB complimentary credit card travel product. |
Apple Pay, Google Pay, Samsung Pay, Garmin, Fitbit
Concierge,
Extended Warranty,
Purchase Protection,
International Travel Insurance,
Transit Accident 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.
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
NAB
Qantas Rewards Premium Card
19.99% p.a.
0% p.a. for 12 months and then 21.74% p.a. (3.00% balance transfer fee)
$250
NAB
Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 12 months and then 21.74% p.a. (3.00% balance transfer fee)
$395 $295 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
$240 $20/month - waived if no spend & no balance owing
Bendigo Bank
Low Rate Credit Card
0% p.a. for 20 months then 11.99% p.a.
0% p.a. for 20 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Westpac
Low Rate
13.74% p.a.
6.99% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
St.George
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
Bank of Melbourne
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
BankSA
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 33 months and then 21.74% p.a.
$49 $0 in the first year
American Express
Platinum Edge Credit Card
20.74% p.a.
No current offer
$195 $0 in the first year
Membership Rewards
American Express
Qantas Ultimate Card
Qantas Frequent Flyer
$450
100,000
1.25 points uncapped
Westpac
Altitude Platinum
Qantas Frequent Flyer
$200 $99 in the first year
75,000
0.5 points up to $100,000/year
St.George
Amplify Rewards Platinum
Rewards
$99 $29 in the first year
100,000
1 point uncapped
American Express
Platinum Edge Credit Card
Membership Rewards
$195 $0 in the first year
No current offer
1 point uncapped
David Jones
American Express Card
Qantas Frequent Flyer
$99
No current offer
0.5 points uncapped
Bank of Melbourne
Amplify Rewards Platinum
Rewards
$99 $29 in the first year
100,000
1 point uncapped
American Express
Cashback Credit Card
Cashback Rewards
$120 $0 in the first year
No current offer
1 point uncapped
Bendigo Bank
Low Rate Credit Card
0% p.a. for 20 months and then 11.99% p.a. (2.00% balance transfer fee)
0% p.a. for 20 months then 11.99% p.a.
$45
Bank of Melbourne
Vertigo
0% p.a. for 32 months and then 21.49% p.a.
13.99% p.a.
$55 $0 in the first year
BankSA
Vertigo
0% p.a. for 32 months and then 21.49% p.a.
13.99% p.a.
$55 $0 in the first year
HSBC
Platinum Credit Card
0% p.a. for 36 months and then 21.99% p.a.
19.99% p.a.
$129 $29 in the first year
Rewards Plus
St.George
Vertigo
0% p.a. for 32 months and then 21.49% p.a.
13.99% p.a.
$55 $0 in the first year
St.George
Amplify Rewards Platinum
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
19.49% p.a.
$99
Qantas Frequent Flyer
Bank of Melbourne
Amplify Rewards Platinum
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
19.49% p.a.
$99 $29 in the first year
Rewards
Westpac
Low Rate
6.99% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59
Bendigo Bank
Low Rate Credit Card
0% p.a. for 20 months then 11.99% p.a.
0% p.a. for 20 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
St.George
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
BankSA
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 33 months and then 21.74% p.a.
$49 $0 in the first year
Westpac
Low Rate
13.74% p.a.
6.99% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
Bank of Melbourne
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 20 months then 11.99% p.a.
0% p.a. for 20 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Westpac
Low Rate
13.74% p.a.
6.99% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
St.George
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
Bank of Melbourne
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
BankSA
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 33 months and then 21.74% p.a.
$49 $0 in the first year
St.George
Amplify Rewards Platinum
19.49% p.a.
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
$99 $29 in the first year
