NAB Rewards Business Signature Card
Data last updated 20 July 2026
19.50%
Purchase rate
$175
Annual fee
200,000
Bonus points
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CardIQ
56Good
Good
Overall score, out of 100 · How this works
- Business46
- Frequent flyer57
- Rewards53
- Sign-up bonus67
- Velocity Points57
Customer reviews
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Pros & cons
What's good
- 200,000 bonus points to start, worth around $2,000 at our 1c-per-point valuation.
- Complimentary concierge service.
- Points transfer to 5 rewards programs, including Accor Live Limitless (ALL), Air New Zealand Airpoints and Flybuys.
Worth noting
- The 19.5% p.a. purchase rate sits above the 18.99% p.a. median if you carry a balance.
- Earns 1.25 points per $1 on everyday spend, around the dataset average.
- 3% foreign transaction fee on overseas spending.
- Up to 44 interest-free days on purchases (below the 55-day median).
Card details
The basics
- Additional cardholder fee
- $175 p.a.
- Card tier
- Signature
- Card type
- Visa
- Card use
- Business
- Credit limit
- $5,000 – $100,000
- Credit rating
- Good
- Rewards program
- NAB Rewards
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
- Not eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 21.74% p.a.
- Purchases
- 19.50% p.a.
Fees
- Additional cardholder fee
- $175
- Annual fee
- $175 p.a.
- Cash advance fee
- 3% of the amount
- Foreign transaction fee
- 3%
- Late payment fee
- $15
Repayments
- Interest-free period
- Up to 44 days on purchases
- Minimum repayment
- 2% of the closing balance or $25, whichever is greater
Balance transfers
This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.
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
- 1.25 pts per $1
- Bonus categories
- None
- Other purchases
- None
- Overseas spend
- None
- ATO/government
- None
- Reduced rate above monthly cap
- None
- Points cap
- Uncapped
- Points expiry
- Points don't expire while your account is open and in order.
Sign-up bonus
- Bonus spend required
- —
- Sign-up bonus
- 200,000 points
Transfer partners
- Accor Live Limitless (ALL)
- 6 pts → 1 pt (≈ 0.21 pts per $1)
- Air New Zealand Airpoints
- 200 pts → 1 pt (≈ 1 pt per $160)
- Flybuys
- 1 pt → 1 pt (≈ 1.25 pts per $1)
- Singapore Airlines KrisFlyer
- 3 pts → 1 pt (≈ 0.42 pts per $1)
- Velocity Frequent Flyer
- 2 pts → 1 pt (≈ 0.63 pts per $1)
Where these points could take you
- Auckland
- Flying Virgin Australia non-stop, using transferred Velocity points. Economy 17,900 pts, Business 35,500 pts.
- Denpasar
- Flying Singapore Airlines via Singapore, using transferred KrisFlyer points. Economy 30,500 pts, Business 75,500 pts.
- London
- Flying Qatar Airways via Doha, using transferred Velocity points. Economy 80,000 pts.
- Los Angeles
- Flying United Airlines non-stop, using transferred Velocity points. Economy 48,000 pts, Premium Economy 73,500 pts, Business 102,000 pts.
- Singapore
- Flying Singapore Airlines non-stop, using transferred Velocity points. Economy 29,000 pts, Premium Economy 57,500 pts, Business 74,000 pts.
- Tokyo
- Flying All Nippon Airways non-stop, using transferred Velocity points. Economy 45,000 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 business 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$2,000Top 25% (2nd of 10 cards)
Rewards value$450 a yearTop 25% (4th of 21 cards)
Overseas fee3.00%Top 25% (7th of 39 cards)
Purchase rate19.50%Not as good as most cards (25th of 34 cards)
Annual fee$175 a yearNot as good as most cards (29th of 39 cards)
Interest-free days44 daysNot as good as most cards (31st of 37 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
- Issuer
- NAB