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NAB Rewards Signature Card
$ 8000
12
$ 15000
$
%
$ 15000
$
%

NAB Rewards Signature Card

NAB Rewards Signature Card

NAB’s highest NAB Rewards earning card. Redeem sooner with 90,000 bonus points when you spend $3,000 on everyday purchases within the first 60 days of account opening and an additional 30,000 bonus points when after your 12 month anniversary. Card includes travel & purchase insurance. (conditions & eligibility criteria apply)

NAB Rewards Points Forecast

Balance Transfer Savings

0% Purchase Savings

View Offer


210,000

Total points is the estimated number of bonus points earned plus points per dollar earned during the forecast period, based on your inputs above and the promotional offer of the card. Some cards may have points capping and spend requirements, which are factored into our calculations.

It is assumed that the monthly spend is applicable for each month of the forecast period, and that it does not include any excluded or reduced earning transaction categories, e.g. cash advances, government or international purchases.

All estimates are based on our assumptions and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

Go to offer links directly to the bank’s website. Please ensure you review the full terms and conditions on the bank’s website prior to applying.

More info links to a detailed product page on our site.

estimated points earned

You could save

$2,551

Savings is an estimate of the amount saved on interest charges and annual fees, as a result of transferring an eligible balance to the 0% balance transfer card for the interest-free period.

The savings estimate is based on a daily compound interest rate formula, taking into consideration your inputs above, as well as applicable balance transfer and annual fees, along with the following assumptions:
• No additional purchases or withdrawals are made
• A minimum 3% balance repayment is made each month
• Annual fees for the current year are charged in the first month
• If applicable, the annual fee refund is processed in the month eligibility is met
• There are 30 days in each month
• Your existing card will be closed and will incur no further fees
• Other fees are excluded

All estimates are based on our assumptions and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

Go to offer links directly to the bank’s website. Please ensure you review the full terms and conditions on the bank’s website prior to applying.

in 6 months

You could save

$2,551

Savings is an estimate of the amount saved on interest charges and annual fees during the interest-free period, as a result of making a purchase on a 0% purchase card, rather than on your existing card.

The savings estimate is based on a daily compound interest rate formula, taking into consideration your inputs above, as well as the annual fee, along with the following assumptions:
• The purchase amount is incurred in the first month
• No additional purchases or withdrawals are made
• A minimum 3% balance repayment is made each month
• Annual fees for the current year are charged in the first month
• If applicable, the annual fee refund is processed in the month eligibility is met
• There are 30 days in each month
• Your existing card will be closed and will incur no further fees
• Other fees are excluded

All estimates are based on our assumptions and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

Go to offer links directly to the bank’s website. Please ensure you review the full terms and conditions on the bank’s website prior to applying.

More info links to a detailed product page on our site.

in 15 months

NAB Rewards
Program
120,000
Bonus Points
Earn 90,000 bonus points when you spend $3,000 on everyday purchases within the first 60 days of account opening and an additional 30,000 bonus points when after your 12 month anniversary
$295

p.a.
Annual Fee
1.25
Points per $
Earn 1.25 NAB Rewards Points for every $1 spent on everyday purchases
Earn double points on purchases made in major department and hardware stores
Earn triple points with Webjet, when travelling overseas or on overseas purchases made in Australia
0% for
6 months
Balance Transfer
0% for
15 months
Purchase Rate
$295

p.a.
Annual Fee
0% for
6 months
Balance Transfer
0% for
15 months
Purchase Rate
$295
p.a.
Annual Fee
$590

annual fees
Total Fees
Total Fees is a calculation based on the total annual fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation considers annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

NAB Rewards Signature Card Review

Pros
  • Transport Accident Insurance
  • Purchase Protection Insurance (Personal Items)
  • Extended Warranty Insurance
  • Domestic Hotel Burglary Insurance
  • Price Protection Insurance
  • Interstate Flight Inconvenience Insurance
  • Overseas Travel Insurance
  • 0% on purchases for the first 15 months
  • No additional cardholder fee
  • Great bonus points offer
  • 6 month balance transfer offer
Cons
  • Balance transfer fee of 2.00%
  • Only up to 44 days interest free period
  • Relatively high international transaction fee of 3%
  • Relatively high annual fee
Mobile Cardless PaymentsYes
Apple Pay
Samsung Pay
Google Pay
NAB Pay
Card TypeVisa
Minimum Credit Limit$15,000
Cash Advance Rate
Interest rate incurred for a cash advance
21.74% p.a.
Interest Free Period
The maximum period of time that no interest is charged on new purchases. May not be applicable if the account or closing balance is not paid in full by the due date.
Up to 44 days
0% Purchase Offer
Number of months that the promotional 0% purchase offer applies
15 months
Balance Transfer Limit
Maximum percentage of your approved credit card limit that can be used for the balance transfer
90%
Purchase Rate
The standard interest rate that applies to purchases on the card
19.99% p.a.
Balance Transfer Fee
Fee incurred for processing a balance transfer
2%
Balance Transfer Months
Number of months the promotional balance transfer offer applies
6 months
Balance Transfer Rate
The interest rate applied to the balance transfer amount for a set period of time
0% p.a. for 6 months with a 2% balance transfer fee
Interest rate payable on the remaining balance of debt that has been transferred to this card
Annual Fee
An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years.
$295 p.a.
Rewards ProgramNAB Rewards
Balance Transfer Revert Rate
The interest rate that will be charged on any remaining debt after the balance transfer period ends. This value could be variable depending on the card product.
21.74% p.a.
Bonus Points
The promotional bonus points offered. A minimum spend requirement within a set time period may apply. For example, in order to earn 90,000 bonus points, you may need to spend at least $3,000 per month on eligible transactions during the first three months. Some transactions may be excluded or earn points at a reduced rate, e.g. cash advances, government or foreign transactions. Conditions apply. Refer to the bank's website for full T&Cs.
120,000
Earn 90,000 bonus points when you spend $3,000 on everyday purchases within the first 60 days of account opening and an additional 30,000 bonus points when after your 12 month anniversary
Rewards Earn Rate per $ spent
The number of rewards points earned for each eligible dollar spent on the card
1.25 points per $
Earn 1.25 NAB Rewards Points for every $1 spent on everyday purchases
Earn double points on purchases made in major department and hardware stores
Earn triple points with Webjet, when travelling overseas or on overseas purchases made in Australia
Joint ApplicationNo
Temporary Resident ApplicationYes - conditions apply, see bank site for details
Minimum Age18 years of age or over
Annual Fee
An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years.
$295 p.a.
Cash Advance Fee2% or $2.50, whichever is greater
Late Payment Fee
Fee incurred if the minimum repayment is not paid by the due date
$15
International Cash Advance Fee2% or $2.50, whichever is greater
International ATM Withdrawal Fee$5
International Transaction Fee
Fee incurred for transactions made in foreign currency
3% of the transaction value
Additional Cardholder Fee
Fee incurred for adding an additional cardholder to the account
$0
Maximum Additional Cardholders
Maximum number of additional cardholders
Up to 1
Travel Insurance
Terms, conditions, limits and exclusions may apply, check product site for details
Yes
Overseas Travel Insurance
Interstate Flight Inconvenience Insurance
Transport Accident Insurance
Domestic Hotel Burglary Insurance
Purchase Insurance
Terms, conditions, limits and exclusions may apply, check product site for details
Yes
Extended Warranty Insurance
Price Protection Insurance
Purchase Protection Insurance (Personal Items)
Concierge ServiceYes

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