Credit Card Compare

NAB Qantas Rewards Signature Card

Data last updated 12 October 2026
22.49%
Purchase rate
$449
Annual fee
60,000
Bonus points

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NAB Qantas Rewards Signature Card card
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CardIQ

35Basic

Basic

Overall score, out of 100 · How this works

  • Balance transfer46
  • Frequent flyer31
  • Qantas Points31
  • Rewards27
  • Sign-up bonus41

Customer reviews

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Pros & cons

What's good

  • 60,000 bonus Qantas Points to start, worth around $720 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 22.99% p.a.).
  • Earns cashback on eligible spending.
  • No fee to add an additional cardholder.

Worth noting

  • The $449 annual fee is high for a Signature card, where the typical fee is about $295.
  • The 22.49% 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 0.75 points per $1 on everyday spend, below 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
$15,000 – $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
22.99% p.a.
Purchases
22.49% p.a.

Fees

Additional cardholder fee
$0
Annual fee
$449 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
22.99% 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
0.75 pts 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
60,000 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.
Los Angeles
Flying Qantas non-stop, using Qantas points. Economy 48,200 pts.
Singapore
Flying Qantas non-stop, using Qantas points. Economy 29,000 pts, Premium Economy 61,600 pts, Business 82,100 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.

Balance transfer0% for 12 monthsTop 25% (12th of 46 cards)
Rewards value$324 a yearMiddle of the market (41st of 95 cards)
Sign-up bonus$720Middle of the market (33rd of 59 cards)
Purchase rate22.49%Not as good as most cards (142nd of 196 cards)
Interest-free days44 daysNot as good as most cards (140th of 192 cards)
Overseas fee3.50%Not as good as most cards (152nd of 200 cards)
Annual fee$449 a yearAmong the most expensive (192nd of 200 cards)

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

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Sources

Credit Card Compare
Credit card statistics for AustraliaHow CardIQ scores cards
Government
Product reference data (Consumer Data Right)
Issuer
NAB
Program
Qantas Frequent Flyer