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NAB Rewards Business Signature Card

Advertiser disclosure
Purchase rate
18.50% p.a.
Balance transfer rate
No current offer
Annual fees
$175
Interest free days on purchases
44
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Mozo editorial review NAB Rewards Business Signature Card

Last updated: 15 October 2020.

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What's hot
  • 2020 Mozo Experts Choice Award
  • 18.50% p.a. purchase rate
  • Receive 100,000 Bonus Points when you spend $4,000 on everyday business purchases within 60 days
  • Redeem NAB Rewards points via Webjet to book flights with any airline
What's not
  • $175 annual card fee
Mozo snapshot

If you’re after a ‘strictly business’ business credit card, then the NAB Rewards Business Signature Card probably isn’t for you. This piece of plastic offers the best of both worlds, with all the makings of a solid business card, plus, tonnes of rewards to match, including travel and retail offers and more business focussed bonuses, like software discounts.

The Rewards Business Signature Card was even recognised for its excellent rewards - taking out a 2020 Mozo Experts Choice Award in the Rewards Business Credit Card category. 

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Key features

The NAB Rewards Business Signature Card hits the ground running with an 18.50% p.a. purchase rate and up to 44 interest-free days. With loads of convenient payment options, like Apple Pay, Google Pay, Samsung Pay, Garmin and Fitbit, making a transaction with this bad boy will be a total breeze.

As we said, this is no ordinary business card. With the NAB Rewards Business Signature Card, you’ll earn 1.25 points for every $1 spent on your Visa card, uncapped.

But wait, there’s more! The NAB Rewards Business Signature Card comes with a piping hot 100,000 bonus points offer when you spend $4,000 on everyday business purchases within 60 days of account opening.

Your points are automatically credited to the NAB Rewards Program; however, you can redeem them via Webjet to book any flight of your choosing.

On top of flights, gift cards and other standard NAB Rewards Program perks, you’ll also have access to exclusive Business Offers, like discounts on accounting software, marketing solutions, productivity tools and other business services.

When applying online for the NAB Rewards Business Signature Card, for a faster application process you can upload your financial data from any accounting package software, or you can log in via Xero or MYOB and it’ll pull the information for you.

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Who is it good for

The NAB Rewards Business Signature Card is a value-packed credit card option for Australian business owners, sole traders or trustees, especially those who travel frequently for work.

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Any catches

The NAB Rewards Business Signature Card comes with a $175 annual fee, and if you want to add additional cardholders to your account, you’ll need to pay another $175 fee per cardholder, which can stack up over time.

Rewards program details

Rates and fees information correct as at 24 November 2020. 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

19,240 points

$100 Cash

80,000 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.

Earn at least 2.5 points on every $1 (up to 60,000 bonus points) on everyday business purchases within the first 6 months of your account being open (bonus points capped at 10,000 points per month).

Special offers

Receive 100,000 Bonus Points when you spend $4,000 on everyday business purchases within 60 days of account opening.

Value of rewards points

Spend $20,000 (Visa)

Spend $15,392 (Visa)

Spend $12,480 (Visa)

Spend $191,360 (Visa)

Uncapped

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
  • 18.50% p.a.

  • none

  • No current offer

  • none

  • 21.74% p.a.

  • 44

Fees
  • $175.00

  • none

  • none

  • none

  • $15.00

  • 2%, Min $2.50

  • 3.00%

  • $0.00

  • $0.00

  • $175.00

Features
  • $10.00

  • 2.5

  • 1

  • none

Payment options

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

Other benefits

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

Customer Reviews

This product is not currently reviewed.

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$295

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StraightUp Card

0% p.a.

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$240 $20/month - waived if no spend & no balance owing

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Low Rate

13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

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Vertigo

0% p.a. for 7 months then 13.99% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

CUA

CUA

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11.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$49 $0 in the first year

Defence Bank

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3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

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Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

20.74% p.a.

0% p.a. for 22 months and then 20.99% p.a.

$129 $64 in the first year

Velocity Frequent Flyer

Qantas Money

Qantas Money

Qantas Premier Platinum

19.99% p.a.

0% p.a. for 18 months and then 21.99% p.a. (1.00% balance transfer fee)

$299 $199 in the first year

Qantas Frequent Flyer

American Express

American Express

Qantas Discovery Card

20.74% p.a.

No current offer

$0

Qantas Frequent Flyer

ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)

$58 $0 in the first year

American Express

American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

Qantas Money

Qantas Money

Qantas Premier Platinum

Qantas Frequent Flyer

$299 $199 in the first year

100,000

1 point up to $10,000/month, then
0.5 points uncapped

Bankwest

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Qantas Platinum Mastercard

Qantas Frequent Flyer

$160

30,000

0.75 points up to $2,500/month, then
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St.George

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Amplify Platinum

Qantas Frequent Flyer

$99

70,000

0.5 points uncapped

Suncorp

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Clear Options Platinum

Suncorp Rewards

$129

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1.25 points uncapped

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Rewards - e-voucher Offer

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$199 $99 in the first year

No current offer

1 point up to $10,000/month

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Amplify Platinum

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$99 $0 in the first year

No current offer

1 point uncapped

American Express

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Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

St.George

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Vertigo

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

0% p.a. for 7 months then 13.99% p.a.

$55 $0 in the first year

Westpac

Westpac

Low Rate

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

13.74% p.a.

$59

CUA

CUA

Low Rate Credit Card

0% p.a. for 20 months and then 21.74% p.a.

11.99% p.a.

$49 $0 in the first year

ANZ

ANZ

First

0% p.a. for 18 months and then 20.24% p.a. (2.00% balance transfer fee)

20.24% p.a.

$30

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Qantas Premier Platinum

0% p.a. for 18 months and then 21.99% p.a. (1.00% balance transfer fee)

19.99% p.a.

$299 $199 in the first year

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0.90% p.a. for 15 months and then 22.24% p.a.

0.90% p.a. for 15 months then 14.99% p.a.

$99

Bank of Melbourne

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Vertigo

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

0% p.a. for 7 months then 13.99% p.a.

$55 $0 in the first year

Bankwest

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2.99% p.a. for 9 months and then 17.99% p.a.

17.99% p.a.

$0

Westpac

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Low Rate

13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

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St.George

Vertigo

0% p.a. for 7 months then 13.99% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

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3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

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CUA

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11.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$49 $0 in the first year

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NAB

Low Rate Card

12.99% p.a.

0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)

$59

Bank of Melbourne

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Vertigo Platinum

12.99% p.a.

6.99% p.a. for 12 months and then 21.49% p.a.

$99

ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)

$58 $0 in the first year

Citi

Citi

Clear Credit Card

0.90% p.a. for 15 months then 14.99% p.a.

0.90% p.a. for 15 months and then 22.24% p.a.

$99

Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

St.George

St.George

Vertigo

0% p.a. for 7 months then 13.99% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

CUA

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11.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$49 $0 in the first year

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Foundation Credit Card

3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

ANZ

ANZ

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12.49% p.a.

0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)

$58 $0 in the first year

St.George

St.George

Vertigo Platinum

12.99% p.a.

6.99% p.a. for 12 months and then 21.49% p.a.

$99

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12.99% p.a.

0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)

$59

Citi

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Clear Credit Card

0.90% p.a. for 15 months then 14.99% p.a.

0.90% p.a. for 15 months and then 22.24% p.a.

$99