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NAB Qantas Rewards Signature Credit Card

The NAB Qantas Rewards Signature Credit Card offers up to 120,000 bonus Qantas Points. Ongoing benefits include Qantas Points earned on eligible purchases, and complimentary travel insurance.

Updated 8 December 2023

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Expert Review

The NAB Qantas Rewards Signature credit card is NAB's premium Qantas Frequent Flyer product. Featuring a relatively high points earn rate which is uncapped, the card provides premium features such as insurances. Of the 200+ credit cards reviewed by Stay or Go, this card ranks among the best 25% points earn rates, for an average spend of $5,000 per month. Further, the product has a $395 annual fee, including up to 44 interest free days.

Considering its key features, this card is most suitable to someone who wishes to be rewarded for their spend. Other benefits include Overseas Travel and Medical Insurance which is similar to equivalent products and no additional cardholder fees.

Bonus Points, Balance Transfer and discounted Annual Fee in first year.
For a limited time the NAB Qantas Rewards Signature credit card has a bonus Qantas Points offer, where you could receive 90,000 bonus Qantas Points in the first year and 30,000 bonus Qantas Points in the second year. Also, the product has a special 0% p.a. Balance Transfer offer for 12 months. Of note, there is also a 3% p.a. Balance Transfer fee which should be considered when evaluating the overall benefit of this offer. In addition, the product also has a $295 annual fee in first year, which is a saving of $100 from the standard fee of $395. To get this offer, there will be certain eligibility criteria that you should be aware of before you apply. For further information, or to apply, click here.

Product Details
The Qantas Rewards Signature card gives customers the opportunity to be rewarded for the purchases they make by earning Qantas Frequent Flyer points at the fastest rate. Includes complimentary insurances."

Earn Qantas Points

1point per $1 spent up to $5,000, then 0.5 up to $20,000 per statement

Account Fees

$395 annual account fee

Additional Cardholder Fees

No additional cardholder fee

Up to 1 additional cardholder

Transaction Fees

3.00% international transaction fee

Other fees may apply.


19.99% p.a. variable purchase rate

21.74% p.a. variable cash advance rate

Up to 44 interest free days on purchases


Overseas Travel Insurance

Transport Accident Insurance

Interstate Flight Inconvenience Insurance

Domestic Hotel Burglary Insurance

Purchase Protection Insurance

Extended Warranty Insurance

Bonus Points Offer

up to 120,000bonus points

0% for 12 monthson balance transfers (3.00% BT fee applies), reverts to 21.74% p.a.

$295annual fee in first year

90,000 bonus Qantas Points when $3,000 is spent on everyday purchases within 60 days of new card activation and a further 30,000 Qantas Points if the card is kept open for over 12 months. $295 first year annual fee (usually $395).
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Before applying for this product, you should read the Target Market Determination (TMD) available here on the NAB website.

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^ Credit card reward programs can be difficult to compare due to tiered and capped points earn rate structures. To simplify comparison, we estimate the number of points you could earn per $1 spent, assuming $5,000 of spend on eligible purchases each month.
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