Rewards Signature Card card image

NAB Rewards Signature Card

Advertiser disclosure
Purchase rate
20.99% p.a.
Balance transfer rate
0% p.a. for 12 months and then 21.74% p.a. (3.00% balance transfer fee)
Annual fees
$295 $145 in the first year
Interest free days on purchases
44

Mozo editorial review NAB Rewards Signature Card - last updated: 13 February 2024

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What's hot
  • 120,000 bonus points if you spend $3,000 in first 60 days
  • 40,000 bonus points if keep card open for over 12 months
  • 3.75 points per $1 spent
  • 2023 Mozo Experts Choice Award
What's not
  • $145 annual fee for first year down from $295
  • 20.99% p.a. variable purchase rate
Mozo snapshot

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!

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Key features

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.


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Who is it good for

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.

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Any catches

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. 

Rewards program details

Rates and fees information correct as at 21 February 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.

What your points get you
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

Points earning

1.25 points per dollar on Visa, uncapped

Rewards scheme

Points are automatically credited to the NAB Rewards Program.

Redeem points via Webjet to book any flight you want.

Special offers

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.

Value of rewards points

Spend $20,000 (Visa)

Spend $16,328 (Visa)

Spend $12,480 (Visa)

Spend $191,360 (Visa)

Uncapped

36 months

How do we calculate these points?

Rate and fee details

Rates

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

Fees

$295.00

$145 in the first year

none

none

$15.00

3%, Min $3

3.00%

$0.00

$0.00

$0.00

Features

$25.00

2.0

1

Minimum credit limit $15,000.

Payment options

Apple Pay, Google Wallet, Samsung Pay, Garmin, Fitbit

Rewards privileges

Concierge,
Extended Warranty,
Purchase Protection,
International Travel Insurance,
Interstate Flight Inconvenience Insurance,
Rental Vehicle Excess in Australia Insurance

Other benefits

Redeem NAB Rewards points via Webjet to book flights with any airline.

Customer Reviews

How are NAB credit cards rated by the Mozo community?

Overall
Price
Features
Customer service
Convenience
Trust
Based on 4333 NAB credit card reviews

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