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NAB Rewards Signature Credit Card

The NAB Rewards Signature Credit Card offers 0% p.a. for 12 months on balance transfers. Ongoing benefits include NAB Rewards Points earned on eligible purchases, complimentary travel insurance, and no international transaction fees.


Updated 3 July 2025


Fact checked and verified. Updated 3 July 2025
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Expert Review

The NAB Rewards Signature credit card is one of NAB's premium low fee products. 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 5% for earning $100 back in value, such as on a gift card, for an average spend of $5,000 per month. Further, the product has a $35 monthly fee, including up to 44 interest free days. And for anyone who is planning on travelling or making purchases online from international companies, this product charges no foreign transaction fees, which can create significant savings.

Considering its key features, this card is most suitable to someone who wishes to be rewarded for their spend. Other benefits include no foreign transaction fees, which are commonly around 3 p.a., this product is great for anyone who makes overseas purchases online, or anyone planning on travelling overseas, Overseas Travel and Medical Insurance which is similar to equivalent products, no additional cardholder fees and an ongoing spend based annual fee waiver, when the customer spends $5,000 per month.

Balance Transfer.
For a limited time the NAB Rewards Signature credit card 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. To get this offer, there will be certain eligibility criteria that you should be aware of before you apply.

Product Details
Our highest NAB Rewards points earn rate to redeem on gift cards, travel, tech and more."
- NAB
Rewards

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Earn NAB Rewards Points

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1.5points per $1 spent up to $15,000, then 0.5 per statement

Fees
Account Fees

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$35 monthly account fee, waived when you spend $5,000 in the month

Additional Cardholder Fees

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No additional cardholder fee

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Up to 1 additional cardholder

Transaction Fees

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No international transaction fee

Other fees may apply.

Rates

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20.99% p.a. variable purchase rate

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21.74% p.a. variable cash advance rate

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Up to 44 interest free days on purchases

Features
Insurance

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Overseas Travel Insurance

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Transport Accident Insurance

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Interstate Flight Inconvenience Insurance

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Domestic Hotel Burglary Insurance

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Purchase Protection Insurance

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Extended Warranty Insurance

Offers
Balance Transfer Offer

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

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TMD

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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