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NAB Rewards Signature Credit Card

The NAB Rewards Signature Credit Card offers up to 160,000 bonus NAB Rewards Points. Ongoing benefits include NAB Rewards Points earned on eligible purchases, and complimentary travel insurance.


Updated 27 November 2023

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Expert Review

The NAB Rewards Signature credit card is NAB's premium NAB Rewards 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% 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 $295 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 Rewards Signature credit card has a bonus NAB Rewards Points offer, where you could receive 120,000 bonus NAB Rewards Points in the first year and 40,000 bonus NAB Rewards 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 $145 annual fee in first year, which is a saving of $150 from the standard fee of $295. 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
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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1.25points per $1 spent

Fees
Account Fees

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$295 annual account fee

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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3.00% international transaction fee

Other fees may apply.

Rates

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19.99% 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
Bonus Points Offer

up to 160,000bonus points

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

$145annual fee in first year

Earn up to 140,000 Bonus Points on a new NAB Rewards Signature Card when you keep your card open for over 12 months. Min $3,000 spend on everyday purchases in first 60 days Enjoy a reduced annual card fee (from $295 to $195) for the first year.
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TMD

Before applying for this product, you should read the Target Market Determination (TMD) available here on the NAB website.

Alternative Credit Cards
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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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