NAB Rewards Signature Card

Name: NAB Rewards Signature Card
Brand: NAB

Data last updated 23 July 2026

20.99%

Purchase rate

$420

Annual fee

110,000

Bonus points

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CardIQ

51Fair

Fair

Overall score, out of 100 · How this works

Balance transfer47
Frequent flyer50
No foreign fee52
Rewards44
Sign-up bonus63
Travel52
Velocity Points50

Customer reviews

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Pros & cons

What's good

110,000 bonus points to start, worth around $1,100 at our 1c-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.).
Complimentary international travel insurance, domestic travel insurance, purchase protection and extended warranty.
Complimentary concierge service.
No foreign transaction fee on overseas or online spending.

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.
The 1.5-point rate on everyday spend applies only to the first $15,000 spent each statement period, then drops to 0.5 points per $1.
Up to 44 interest-free days on purchases (below the 55-day median).

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: 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: 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: 0%
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: 1.5 pts per $1 up to $15,000 per statement period
Bonus categories: None
Other purchases: None
Overseas spend: None
ATO/government: None
Reduced rate above monthly cap: 0.5 pts per $1 above $15,000 per statement period
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: 110,000 points

Also available

Earn Velocity Frequent Flyer points directly(80,000 sign-up bonus points)

Same card, different loyalty program. You choose at signup.

Transfer partners

Accor Live Limitless (ALL): 6 pts → 1 pt (≈ 0.25 pts per $1)
Air New Zealand Airpoints: 200 pts → 1 pt (≈ 1 pt per $133)
Flybuys: 1 pt → 1 pt (≈ 1.5 pts per $1)
Singapore Airlines KrisFlyer: 3 pts → 1 pt (≈ 0.5 pts per $1)
Velocity Frequent Flyer: 2 pts → 1 pt (≈ 0.75 pts per $1)

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.

Complimentary insurance

Cover has conditions and exclusions, which are set out in the issuer's PDS. A missing row means we haven't captured that figure, not that the cover is absent.

Overseas travel

Activation: Prepay part of the trip on the card
Activation spend: $500
Age limit: 80 years
Cover limit: $20,000,000
Excess: $600
Maximum trip length: 180 days
Not covered: Pre-existing conditions, unless the insurer agrees in writing
Underwriter: Allianz Australia Insurance Limited

Domestic travel

Activation: Prepay part of the trip on the card
Activation spend: $250
Maximum trip length: 28 days
Not covered: Day trips, and anything Medicare or your fund pays
Underwriter: Allianz Australia Insurance Limited
What it pays: Cancellation and baggage, not medical treatment

Purchase protection

Activation: Pay for the item with the card
Annual limit: $200,000
Cover period: 90 days
Excess: No excess
Not covered: Cash, consumables and animals
Voids cover: Leaving the item unattended in a public place
What it pays: Theft, loss and accidental damage

Extended warranty

Activation: Pay with the card for an item under manufacturer's warranty
Annual limit: $40,000
Excess: No excess
Not covered: Anything the manufacturer's warranty already excluded
Per-item limit: $10,000
What it pays: Mechanical failure once that warranty ends

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

Overseas feeNo feeTied for best (1st of 200 cards)

Rewards value$540 a yearTop 10% (5th of 95 cards)

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

Sign-up bonus$1,100Better than most (22nd of 59 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)

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.

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Sources

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