The NAB Qantas Rewards Signature Card has up to 130,000 bonus Qantas points on offer for new cardholders.
The signup bonus is split into two parts, with the first 90,000 Qantas Points to be received after spending $5,000 or more on everyday purchases in the first 90 days from approval and an additional 40,000 Qantas Points when you keep your card open for over 12 months.
Another card worth checking out in NAB’s Qantas Rewards card range is the Qantas Rewards Premium.
Digging into the details of the NAB Qantas Rewards Signature Card
The NAB Qantas Rewards Signature Card is the top-tier card within the NAB Qantas credit card range. The Card offers a market competitive earn rate of 1 Qantas Point per $1 spent, up to a maximum of $5,000 per month, and the 0.5 Qantas Points per $1 from $5,001 to $20,000.
An additional bonus Qantas Point is earned per dollar spent on Qantas products and services, such as flights and Qantas Club membership.²
| Card | NAB Qantas Rewards Signature Card |
| Loyalty Program | Qantas Frequent Flyer |
| Points earned from spend | 1 Qantas Point per $1 up to $5,000 then 0.5 Qantas Point per $1 up to $20,000 per statement period |
| Points earned with Qantas | Additional 1 Qantas Point earned per $1 spent on selected eligible Qantas products and services |
| Points Cap | $20,000 per statement period |
| Earns points at ATO | No |
| Insurance included | Five complimentary insurances including international travel insurance and purchase protection (PDS) |
| Overseas transaction fee | 3% of the converted amount |
| Mobile wallet | Apple Pay, Google Pay |
| Minimum Credit Limit | $15,000 |
| Annual fee | $420 p.a. ongoing |
The monthly points cap is quite low given the annual fee but may work for those in the hunt for a high Qantas Points earn rate.
Insurance
You will get access to five complimentary insurances with the Signature Card, which is included below.³
- International Travel Insurance
- Interstate Flight Inconvenience Insurance
- Rental Vehicle Excess in Australia Insurance
- Purchase Protection Insurance
- Extended Warranty Insurance
Full PDS for the above insurance can be found here.
This guide references some of the benefits of insurance policies provided with this card. You should read the PDS and obtain independent professional advice before obtaining this product.
Apple Pay + Google Pay support with NAB
NAB cards support Apple Pay, Google Pay & Samsung Pay, meaning you can use their cards on your smartphone for easier payments. Find out more in our guides for each of the compatible services.
Offer eligibility for existing cardholders
Bonus points are not available to customers who currently hold, or have held, any personal NAB Qantas Rewards Credit Card in the last 24 months. This advertised offer of bonus points is not applicable or valid in conjunction with any other advertised or promotional offer.¹
If you have questions or concerns about your specific circumstances as an existing NAB cardholder, you should contact NAB directly to discuss and check your eligibility.
Frequently asked questions
As a NAB Qantas Rewards cardholder, you’ll receive a free Qantas Frequent Flyer membership (saving $99.50).
You’ll earn points for most common transactions including paying bills.
Transactions that don’t earn points include: Cash advances, bank charges, balance transfers, buying foreign exchange or travellers cheques, ATO payments, transactions where a cardholder uses a card to access linked transaction accounts, and transactions for gambling or gaming purposes.
Sign in to your Qantas Frequent Flyer account via the membership portal to check your Qantas Frequent Flyer Points.
You can redeem your Qantas Points online by logging into your Qantas Frequent Flyer account.
Summing up
The NAB Qantas Rewards Signature Card is the highest Qantas Point-earning card in NAB’s lineup and will be attractive to those looking to earn the maximum number of Qantas points per $1 spent.
Although the card has fewer complimentary benefits found in some similar cards in the market, the current bonus points offer and the impressive earn rate means the card’s solid offering will be able to get you places you’ve been wanting to visit.
Terms & Conditions
¹ Qantas Rewards Signature Bonus Points Special Offer
Offer commenced 5 August 2025. The 130,000 bonus Qantas Points offer is only available to members who apply for a new NAB Qantas Rewards Signature Card.
To be eligible for the offer, you must apply for a new personal NAB Qantas Rewards Signature Card before the offer is withdrawn, be approved, and spend $5,000 on everyday purchases within 90 days of opening your account and keep your account open for 12 months. Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes.
Points will be awarded on a tiered basis – 90,000 bonus Qantas Points will be awarded when you spend $5,000 on eligible purchases in the first 90 days. Bonus Qantas Points will be credited to your Qantas Frequent Flyer Membership Account within three months of meeting the spend criteria. An additional 40,000 bonus Qantas Points will be awarded when you continue to hold your card for 12 months, credited to your Qantas Frequent Flyer Membership Account within the 13th month. Any bonus Qantas Points will be forfeited if your NAB Qantas Rewards Signature Credit Card Account is cancelled or closed before the points appear in your Qantas Frequent Flyer Membership Account.
NAB may vary or end this offer at any time. Offer is not available when closing or transferring from another NAB credit card account or in conjunction with any other NAB card offer.
Bonus points are not available to customers who currently hold, or have held, any personal NAB Qantas Rewards Credit Card in the last 24 months. This advertised offer of bonus points is not applicable or valid in conjunction with any other advertised or promotional offer.
² Join and redeem Qantas Points
Points will be allocated on a tiered basis over each statement period. To earn and redeem Qantas Points using your NAB Qantas Rewards Premium Card or NAB Qantas Rewards Signature Card, you must be a member of the Qantas Frequent Flyer program and have provided your valid membership number to NAB. Points are offered in accordance with the NAB Qantas Credit Card Account Reward Terms and Conditions (PDF, 255KB), opens in new window. If you are not already a Qantas Frequent Flyer member, NAB has arranged for the joining fee to be waived if you apply and receive a NAB Qantas Rewards Premium Card or NAB Qantas Rewards Signature Card and join through qantas.com.au/joinffnab., opens in new window Membership and the earning and redemption of points is subject to the Qantas Frequent Flyer program terms and conditions, available at qantas.com.au/terms., opens in new window
Earn 1 Additional Qantas Point per whole AU$1 on Qantas Spend. ‘Qantas Spend’ means Eligible Transactions made with the following merchants: flights booked directly through qantas.com, opens in new window and Qantas Contact Centres; Qantas flights booked through selected travel agents; Qantas Frequent Flyer and Qantas Club membership, joining and annual fees; Qantas Gift Vouchers; purchases from marketplace.qantas.com, opens in new window and wine.qantas.com, opens in new window.
Transactions that don’t earn points include: Cash advances, bank charges, balance transfers, buying foreign exchange or travellers cheques, ATO payments, BPAY payments, transactions where a cardholder uses a card to access linked transaction accounts, and transactions for gambling or gaming purposes.
Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Classic Flight Reward seats are subject to capacity controls, availability is limited and some flights may not have any Classic Flight Rewards available. Visit Classic Flight Rewards, opens in new window for more information.
BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.
³ Complimentary Insurances
AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 (NAB) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the NAB card insurances is available to eligible NAB cardholders and other eligible third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. This insurance is underwritten by Allianz. NAB is not the product issuer or insurer and neither it nor any of its related bodies corporate guarantee any of the benefits under this cover.
If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits contained in the insurance information booklet. The eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the NAB Card Insurance Policy Information Booklet effective 1 July 2025 (PDF, 474KB) which may be amended from time to time. For insurable events that occurred prior to 1 July 2025, please refer to the NAB Card Insurance Policy Information Booklet dated 1 November 2023 (PDF, 489KB).
⁴ Disclaimer
Consider the NAB Internet Banking terms and conditions which apply when using NAB Internet Banking and the NAB app, before making any decisions regarding these services. The NAB app is compatible with Android™ and iOS, minimum platform requirements apply. Android is a trademark of Google LLC. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. Services issued by NAB.
What’s the minimum income required? My credit score is above 1000 points
I have spent more than $1m on this card travelling the world over recent years. On many occasions there have been situations that would have warranted a claim but I chose to let it pass. I make a legitimate claim for less than $5k and I am run around for 5 months with the most ghastly anti consumer tactics, the latest response from a team leader stating – “Please accept our apologies for the delay in responding to you. Due to the unprecedented high volumes received we are experiencing delays.” – Sorry that sounds like a you problem to me, NAB might want to rethink Allianz as I will my choice of card ….. SR
Do you get any complimentary lounge access with this card?
What a joke. Ive never missed a bill payment or credit card payment in 20 years !
I’ll be checking my credit rating now (which I watch n CreditSavvy very closely)
The link itself is fine but seems like there is a problem on the NAB side
I received my card last month and as I met the bonus spend I have already received my 100,000 bonus points but no status credits as yet.
Regarding the 12month period of not having earned a card sign up bonus with NAB, to be eligible for the 90k bonus points.
Whilst most cards I.e. anz, westpac, limit you from having ‘held’or ‘closed’ a card within the 12 months preceeding. NAB seem to only disqualify you if you’ve EARNED A POINTS BONUS in the last 12 months. I applied for this card last in July 2018, got the bonus points shortly thereafter and only closed it a few months back. By my interpretation I’d be eligible if I applied now and qualified. Thoughts? Anyone had experience with this?
Reading the terms and conditions, it appears you may be eligible for this offer, as its been over 12 months since you earned bonus points, however, we recommend that you confirm this with NAB themselves.
You are likely looking at an “Any Seat” reward rather than a “Classic Flight” reward, with the latter costing 41,500 Qantas points.