HomeCredit CardsNABRewards Signature

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 6 July 2024

Already have a credit card?

See if there's a better deal in 60 Seconds

Get Started

* See details below

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.

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

Earn NAB Rewards Points

1.25points per $1 spent

Account Fees

$295 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.


20.99% 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 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.
Already have this credit card?

See if there's a better deal in 60 Seconds

Get Started

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

Alternative Credit Cards
More information
^ 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.
Copyright © 2024 Stay or Go Pty Ltd
Stay or Go Pty Ltd (“Stay or Go”) provides information about and compares credit products in the Australian market and is authorised to do so as the holder of Australian Credit Licence 527092. We do not compare every credit product in the Australian market. We are not a credit provider and we do not provide credit assistance. When we provide information via this website, we are not providing you with a recommendation or suggestion about a particular credit product. When you apply for a credit product via our website, you are not applying with us, you are applying directly with the credit provider and will be redirected to their website. We endeavour to ensure that the information on this website is current and accurate however, before entering into any credit product with a credit provider displayed on our website, you should confirm the fees, rates, product information, and eligibility criteria with the credit provider and read the Target Market Determination (TMD) available via their website. All information on this website is general advice only and does not take into account your objectives, financial situation or needs. You should consider whether this advice is right for you and we encourage you to seek independent financial advice. The use of any trade name or trademark on this website is for identification, comparison and reference purposes only and does not imply any association with the trademark holder or their brand. Please refer to our Terms of Use for more details.