Credit Card Compare

NAB Qantas Rewards Signature Card

Data last updated 23 July 2026
20.99%
Purchase rate
$420
Annual fee
130,000
Bonus points

Do you manage NAB card listings? Claim on Partner Central

NAB Qantas Rewards Signature Card card
60 second approval
You may have seen us in
The Sydney Morning HeraldNews.com.auYahoo! FinanceDaily Mail Australia

CardIQ

44Fair

Fair

Overall score, out of 100 · How this works

  • Balance transfer47
  • Frequent flyer42
  • Qantas Points42
  • Rewards36
  • Sign-up bonus56

Customer reviews

No reviews yet. Be the first to review the NAB Qantas Rewards Signature Card.

Pros & cons

What's good

  • 130,000 bonus Qantas Points to start, worth around $1,560 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 $420 annual fee is toward the top of the market (the median is $70).
  • 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 1 point per $1 on everyday spend, around the dataset average.
  • Points earning is capped at 12,500 points a month.

Card details

The basics

Additional cardholder fee
$0 p.a.
Card tier
Signature
Card type
Visa
Card use
Personal
Credit limit
$6,000 – $75,000
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
$420 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
1 pt per $1
Bonus categories
None
Other purchases
None
Overseas spend
None
ATO/government
None
Reduced rate above monthly cap
None
Points cap
Maximum 12,500 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
130,000 points

Where these points could take you

Auckland
Flying Qantas non-stop, using Qantas points. Economy 20,700 pts, Premium Economy 32,600 pts, Business 43,600 pts.
London
Flying Qantas via Singapore, using Qantas points. Economy 63,500 pts, Premium Economy 124,700 pts.
Los Angeles
Flying Qantas non-stop, using Qantas points. Economy 48,200 pts, Premium Economy 97,600 pts, Business 130,100 pts.
Singapore
Flying Qantas non-stop, using Qantas points. Economy 29,000 pts, Premium Economy 61,600 pts, Business 82,100 pts, First 123,100 pts.

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.

Rewards value$432 a yearTop 25% (13th of 95 cards)
Sign-up bonus$1,560Top 25% (11th of 59 cards)
Balance transfer0% for 12 monthsBetter than most (12th of 44 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$420 a yearAmong the most expensive (189th of 200 cards)

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

Compare side by side

Browse by card type

Compare the NAB Qantas Rewards Signature Card against every other card in its category.

Balance transferFrequent flyerRewardsView all →

Questions and answers

No questions yet. Ask the first one about NAB Qantas Rewards Signature Card.

Sources

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