NAB Qantas Rewards Premium Card

18 reviews

Data last updated 23 July 2026

20.99%

Purchase rate

$295

Annual fee

100,000

Bonus points

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CardIQ

44Fair

Fair

Overall score, out of 100 · How this works

Balance transfer49
Frequent flyer39
Qantas Points39
Rewards35
Sign-up bonus54

Customer reviews

3.9

Based on 18 reviews

Most of the praise went to rewards, fees and customer service.

JasmineRecommends

QFF points, insurance, and temporary block option

AmEx earns higher points and Visa is there for when Amex is not accepted. I have had no issues with points. They go into my Qantas Frequent Flyer Account quickly. The card also has international travel insurance.I was recently able to put a temporary block on the card (using…

AshleyRecommends

Good Qantas earning rates

This card allows you to earn more where AmEx is accepted, but still earn some points where Visa is accepted. As it includes an AmEx card, you get access to AmEx Connect, which gives you access to lots of money-off offers using the card. You get an additional cardholder for free,…

AlexandraRecommends

Just OK if you spend a lot

I chose this card because of the excellent bonus frequent flyer points I received when I first signed up. They were enough for a flight back from Europe, and helpfully the card was accepted everywhere I went overseas. The fees are a bit of a killer. If you aren’t spending big on…

NadineRecommends

Great for Qantas points

You get double Qantas points on all purchases, and if you pay the balance on time each month you don’t have to worry about interest rates.It’s easily linked to my everyday NAB account, and i’ve accumulated more points than ever before, using this card. The yearly fee is…

JRecommends

Great rewards just for paying all the bills

This combined Visa and AmEx credit card will let you get some excellent rewards from the Qantas frequent flyer program. Utilise the cards properly by using the AmEx whenever you can to get more points, and using the Visa card for everything else. The yearly fee is easily covered…

DennisRecommends

Efficient and speedy recording of transactions

This card is outstanding. Transactions are recorded and displayed instantly, so I always know where I am at. It takes as little as five minutes for my early morning coffee to register on my statement. Unlike another bank, who would take days for transactions to appear — even…

AnnieRecommends

Rewards plus insurance plus concierge service

The rewards program for the NAB Qantas platinum credit card is amazing, covering international and domestic travel insurance with great coverage, also with concierge service with great helpful staff always there when you need their help, and a buyer’s insurance program to look…

JayRecommends

Good rewards and travel insurance

It is a good card with rewards for customers. Since it is a Qantas card there are points for all eligible purchases. It’s easily accessible. I got this card along with my home loan through NAB. There is no annual fee for the life of the loan. I also get travel insurance if it’s…

HannahRecommends

Good credit card if you spend enough

I got this card for the bonus sign-up points, which were nearly enough for a one-way flight to the UK. A higher earning AmEx and lower earning Visa mean you have a card for all shops. I spend (and pay off) around $4,000 a month, so have really noticed the increase in my frequent…

SallyRecommends

A great card with high rewards points!

I love this card! A great card with fantastic benefits. I found that the rewards points were higher than with some of the other big banks, so that was great. Customer service is fantastic. I always get my call answered in a couple of minutes, and the helpfulness of staff when an…

Pros & cons

What's good

100,000 bonus Qantas Points to start, worth around $1,200 at our 1.2c-per-point valuation.
12 months at 0% p.a. on balance transfers, longer than the 12-month median (3% transfer fee, reverts to 21.74% p.a.).
Earns cashback on eligible spending.
No fee to add an additional cardholder.

Worth noting

The $295 annual fee is high for a Standard card, where the typical fee is about $50.
The 20.99% p.a. purchase rate sits in the most expensive quarter of cards (the median is 18.99% p.a.) if you carry a balance.
Earns 0.66 points per $1 on everyday spend, below the dataset average.
Points earning is capped at 2,970 points a month.

Card details

The basics

Additional cardholder fee: $0 p.a.
Card tier: Standard
Card type: Visa
Card use: Personal
Credit limit: $3,000 – $30,000
Credit rating: Good
Rewards program: Qantas Frequent Flyer

Eligibility

Instant approval: Yes (response in ~60 seconds)
Joint application: No
Minimum age: 18 years old
Minimum income: Not specified
Residency: Australian citizen or permanent resident
Temporary residents: Eligible

Rates & fees

Ongoing interest rates

Cash advances: 21.74% p.a.
Purchases: 20.99% p.a.

Fees

Additional cardholder fee: $0
Annual fee: $295 p.a.
Cash advance fee: 3.5% of the amount
Foreign transaction fee: 3.5%
Late payment fee: $20

Repayments

Interest-free period: Up to 44 days on purchases
Minimum repayment: 2% of the closing balance or $25, whichever is greater

Balance transfers

Can't transfer from: Coles, Kogan Money, MyCard, NAB, Qantas Money
Limit: Up to your available credit limit
Period: 12 months
Promotional rate: 0% p.a.
Revert rate: 21.74% p.a.
Transfer fee: 3%

While you carry a transferred balance you may not receive interest-free days on new purchases.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend: 0.66 pts per $1
Bonus categories: None
Other purchases: None
Overseas spend: None
ATO/government: None
Reduced rate above monthly cap: None
Points cap: Maximum 2,970 points per month
Points expiry: Points don't expire while your account is open and in order.

Sign-up bonus

Bonus spend required: —
Sign-up bonus: 100,000 points

Where these points could take you

Flights you could book with the sign-up bonus plus a year of spending $3,000 a month on this card. One-way from Sydney or Melbourne, one adult, before taxes and carrier charges. Award prices and seat availability change.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

FeatureThis cardWhere it ranks

Sign-up bonus$1,200Better than most (16th of 59 cards)

Balance transfer0% for 12 monthsBetter than most (12th of 44 cards)

Rewards value$285 a yearMiddle of the market (50th of 95 cards)

Purchase rate20.99%Not as good as most cards (125th of 196 cards)

Interest-free days44 daysNot as good as most cards (141st of 192 cards)

Overseas fee3.50%Not as good as most cards (152nd of 200 cards)

Annual fee$295 a yearNot as good as most cards (163rd of 200 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare: Australian credit card statisticsHow CardIQ scores cards
Government: Product reference data (Consumer Data Right)
Issuer: NAB
Program: Qantas Frequent Flyer