Point Hacks Credit Card Guide

90,000 bonus Qantas Points and reduced first year annual card fee with the NAB Qantas Rewards Signature

NAB Qantas Rewards Signature Visa - 90,000 Qantas Points

There’s 90,000 bonus Qantas Points and a reduced first year annual card fee on offer with the NAB Qantas Rewards Signature Visa, earning 1 Qantas Point per $ spent up to $5,000 per statement period, and 0.5 Qantas Points per $ thereafter, up to $20,000.

  • 90,000 bonus Qantas Points after $4,000 minimum spend within 60 days of account opening
  • Reduced first year annual card fee of $295
  • 0% p.a. on balance transfers for 6 months
  • 1 Qantas Point earned per $ spent up to $5,000, then 0.5 points per $ thereafter, capped at $20,000 per statement period
  • 2 Qantas Points earned per $ spent on selected Qantas products and services
  • 7 complementary Insurances including overseas travel insurance when you meet eligibility criteria (PDS)
  • Annual card fee: $295 p.a. for the first year, $395 p.a. thereafter
  • $4,000 spend within 60 days of account opening required to trigger bonus points
  • Balance Transfer must be applied for during card application, a 2% balance transfer BT fee applies
  • Offer unavailable to existing NAB cardholders, if closing/transferring from another NAB credit card account or to those who have held a NAB-issued credit card within the last 12 months

Find out more or apply →

Point Hacks receive a range of commissions for applicants of NAB credit cards. More about this →

The exclusive bonus offer have ended and NAB are now offering 90,000 Qantas Points and a reduced first year annual card fee of $295 for new applicants of the NAB Qantas Rewards Signature Visa. The card also offers 0% p.a. interest on balance transfers for six months, and the highest earn rate amongst the trio of NAB Qantas Frequent Flyer-linked credit cards.

The NAB Qantas Rewards Premium card has 30,000 bonus Qantas Points with a $250 annual fee. Both offers come with minimum spend requirements to trigger the bonus, with Signature at $4,000 and Premium at $2,500, both within 60 days of opening the account.

Two important notes

  1. There is a discrepancy between the terms and conditions listed in this credit card guide and the application page. We can confirm that existing personal NAB credit card holders, regardless of whether they hold a NAB Qantas card or another NAB personal card, are ineligible for this offer; conversely, existing NAB business/commercial customers and new NAB personal customers are eligible for this offer.

  2. NAB are aware of isolated issues with the previous Point Hacks exclusive offer for some customers. We are continuing to try and resolve these issues and we apologise for any hassle caused or time wasted. Whilst NAB are working through these issues, if you would like to contact them and regarding your application, please do so on 13 22 65 and quote the campaign code MWQ.

If you need further assistance with the previous exclusive offer, please email us at [email protected] we’ll do what we can to help.

How you could use the bonus points from this card

All redemption figures shown are examples only and exclude accompanying taxes and fees. Points redemption price data is provided by a third-party, so inaccuracies may be present. Please check with the airline directly for a complete and accurate total redemption cost.

Digging into the details of NAB’s Qantas Frequent Flyer Credit Cards

The NAB Qantas card range has the Signature, Premium and a standard Classic account, with the Signature Visa at $395 annual fee, Premium with an annual fee of $250, and Classic at $95.

The key differences between Signature and Premium are the earn rates and points caps: the Premium card earns 0.66 Qantas Point per $1 up to $3,000 and 0.33 Qantas Point from $3,001 to $6,000 per statement period with a lower annual fee, whereas the Signature Visa offers a 1 Qantas Point per $1 earn rate across all spend, reducing to 0.5 Qantas Points per $1 over $5,001 per statement period (up to $20,000).

You’ll get access to a range of insurances with both the Signature and Premium cards, which may or may not be of use—one to look into with your own specific circumstances in mind. The insurances included are below, with the full PDS for them here.

  • Overseas Travel Insurance
  • Price Protection Insurance
  • Interstate Flight Insurance
  • Transport Accident Insurance
  • Domestic Hotel Burglary Insurance

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.

NAB Qantas Rewards Signature Visa - 90,000 Qantas Points

There’s 90,000 bonus Qantas Points and a reduced first year annual card fee on offer with the NAB Qantas Rewards Signature Visa, earning 1 Qantas Point per $ spent up to $5,000 per statement period, and 0.5 Qantas Points per $ thereafter, up to $20,000.

  • 90,000 bonus Qantas Points after $4,000 minimum spend within 60 days of account opening
  • Reduced first year annual card fee of $295
  • 0% p.a. on balance transfers for 6 months
  • 1 Qantas Point earned per $ spent up to $5,000, then 0.5 points per $ thereafter, capped at $20,000 per statement period
  • 2 Qantas Points earned per $ spent on selected Qantas products and services
  • 7 complementary Insurances including overseas travel insurance when you meet eligibility criteria (PDS)
  • Annual card fee: $295 p.a. for the first year, $395 p.a. thereafter
  • $4,000 spend within 60 days of account opening required to trigger bonus points
  • Balance Transfer must be applied for during card application, a 2% balance transfer BT fee applies
  • Offer unavailable to existing NAB cardholders, if closing/transferring from another NAB credit card account or to those who have held a NAB-issued credit card within the last 12 months

Find out more or apply →

Point Hacks receive a range of commissions for applicants of NAB credit cards. More about this →

Card Details

CardNAB Qantas Signature Visa
Loyalty ProgramQantas Frequent Flyer
Points earned from spend1 Qantas Point per $ up to $5,000 then 0.5 Qantas Point per $ thereafter
Points earned with Qantas2 Qantas point per $ spent
Points Cap$20,000 per statement period
Earns points at ATONo
Insurance includedSeven complimentary insurances including overseas travel insurance and purchase protection (PDS)
Overseas transaction fee3% of the converted amount
Minimum Credit Limit$15,000
Annual fee$395

The NAB Qantas Signature Visa card is focused on maximising your points earn from Visa spend. There’s also an additional bonus Qantas Point per $ spent on Qantas products and services, such as flights and Qantas Club membership.

This card earns 1 Qantas Point per $ up to $5,000 spent per statement period, and 0.5 Qantas Point per $ from $5,001 to $20,000, positioning it above the existing NAB Qantas Premium card which has a hard cap of $6,000 per statement period.

This points cap is limiting given the annual fee but some people are likely to be able to make the card work for them if they are in the hunt for a high Qantas Points earn rate.

NAB Qantas Rewards Premium Visa - 30,000 Qantas Points

NAB are offering 30,000 bonus Qantas Points with the NAB Qantas Premium Visa, comes with complementary insurances and earns 0.66 Qantas Point per $ spent up to $3,000 per statement period, and 0.33 Qantas Point per $ thereafter, up to $6,000.

  • 30,000 bonus Qantas Points after $2,500 minimum spend within 60 days of account opening
  • 0% p.a. on balance transfers for 6 months
  • 0.66 point per $ spend up to at $3,000 per statement period
  • 0.33 points per $ from $3,001 to $6,000 statement period
  • 7 complementary Insurances including overseas travel (PDS), concierge and other platinum card benefits
  • $250 p.a. annual fee
  • $2,500 spend within 60 days of account opening required to trigger bonus points
  • Balance Transfer must be applied for during card application, a 2% balance transfer BT fee applies
  • Offer unavailable if closing/transferring from another NAB credit card account

Find out more or apply →

Point Hacks receive a range of commissions for applicants of NAB credit cards. More about this →

Card Details

CardNAB Qantas Rewards Premium Visa
Loyalty programQantas Frequent Flyer
Points earned from spend0.66 points per $ up to $3,000 per statement period
0.33 points per $ from $3,001 to $6,000 statement period
Points Cap$6,000 per month
Earns points at ATONo
Insurance includedSeven complimentary insurances including overseas travel insurance and purchase protection
Overseas transaction fee3% of the converted amount
Annual fee$250

The NAB Qantas Premium account offers 0.66 Qantas Point per $1 on spend up to $3,000 per statement period and 0.33 Qantas Point per $1 from $3,001 to $6,000 per statement period.

NAB Qantas Rewards Visa

NAB Qantas Rewards Visa is NAB's entry-level Qantas Point earning card, offers 0% p.a. for 6 months on balance transfer and earn rate of 0.5 Qantas Point per $ spent up to $3,000 per statement period.

  • 0% p.a. on balance transfers for 6 months
  • 0.5 Qantas Point earned per $ spent up to $3,000 per statement period
  • Complementary Purchase Protection Insurance
  • $95 p.a. annual fee
  • Balance Transfer must be applied for during card application, a 2% balance transfer BT fee applies

Find out more or apply →

Point Hacks receive a range of commissions for applicants of NAB credit cards. More about this →

Card Details

CardNAB Qantas Rewards Visa
Loyalty programQantas Frequent Flyer
Points earned from spend0.5 points per $1
Points cap$3,000 per statement period
Earns points at ATONo
Insurance includedPurchase protection
Overseas transaction fee3% of the converted amount
Annual fee$95

The NAB Qantas Classic account annual fee is $95 and is aimed at lighter spenders. You’ll also get some purchase protection insurance with this card, and a 0.5 Qantas Point per $1 earn rate . Read the Purchase Protection PDS 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.

There aren’t any other benefits, but for a sub $100 annual fee combined account, that’s to be expected.

Summing up

NAB’s Qantas card range now offers a number of options which are useful to those collecting Qantas Points, especially with the current exclusive offer for the NAB Qantas Rewards Signature card.

However, with so much competition in the market for Qantas credit cards, it is well worth comparing and considering with the alternatives out there to ensure you’re getting a bundle of bonus points, earn rates, card features/benefits and annual fees that work for your circumstances.

90,000 bonus Qantas Points and reduced first year annual card fee with the NAB Qantas Rewards Signature was last modified: June 18th, 2018 by Keith

Jump back up to offer ↑

Point Hacks Credit Card Information

Point Hacks is published by Point Hacks Australia Pty Ltd (ACN 622 987 160), a corporate authorised credit representative (Number: 504786) of MSC Advisory Pty Ltd ACN 607 459 441 (Australian Credit License: 480649). In some instances, Point Hacks Australia Pty Ltd receives a commission or benefit for referring you to the services of a credit provider. This commission or benefit is disclosed at the point of referral to the credit provider. This website does not provide credit, assist you in obtaining credit, or advise you to apply for any particular product from a provider.

We have not taken into consideration your personal circumstances or financial situation when providing the information on this website. It is important you read the relevant PDS from the product issuer and seek the independent advice of an appropriately qualified professional before making a decision on a product.

While we invest a great deal of time and energy into ensuring we provide with you with the most up to date and accurate information, we do not warrant the accuracy of statements or information contained on the Website relating to third party goods and services, including credit card information, loyalty schemes and rewards. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability arising from any person acting on those statements or information to the fullest extent permitted by law. Where conditions or warranties are implied by law and cannot be excluded, our liability will be limited to the re-supply of information. You should confirm the accuracy of information provided on this Website with the third party product provider before acting on it.

Comments Expand Comments

  1. Bri

    Pretty annoyed with this one – I applied, got a message stating that the application had been received and they’d contact me soon to verify my details, but no contact. Called just now to check and, following a painful ID verification process, they have no record of my application. Missed out, I guess.

  2. Zxsder

    I have a question re eligibility for the points. From the NAB Qantas Rewards Signature website (following the links from PointHacks), I have copied the following:

    “Offer is not available when closing/transferring from another NAB credit card account or in conjunction with any other NAB card offer. This bonus points offer is not available to existing customers who have received or are entitled to receive NAB Qantas Rewards Bonus Points for a new personal NAB Qantas Rewards credit card in the twelve months prior to the opening of a NAB Qantas Rewards Signature Card, NAB Qantas Rewards Premium Card or NAB Qantas Rewards Card account.“

    This differs from the pointhacks website as it states not available to existing customers wh9 have received or are entitled to receive…and then it only refers to Qantas rewards points, NOT velocity rewards points cards.

    Can anyone from pointhacks clarify this difference for me please?

  3. Jason

    I have applied for this card and I am getting the usual run-around from NAB. The internet bank says that I need to verify my ID, the bank branch says that it is already done and that I need to update my address. When I hit the update address button on the internet bank it does not send me an SMS verification code. When I call NAB to discuss this they say I need to ring another department which is closed. Everyone I speak to at NAB think it is a great idea to be condescending to the customer. This is not a premium credit card. The only premium thing about it is the fee.

  4. Jennifer Y.

    I’m getting the same error message ‘The system is currently unavailable. Please try again later. Alternatively, please feel free to contact NAB directly at 13 22 65.’ I’ve been trying to apply for this card for the past 2 weeks, and have tried using different computers. It’s getting quite frustrating.

    • Ryan

      I got the same message but i waited a couple minutes before hitting the submit button again, or whatever the button is, and it worked.
      Don’t close the window, just keep trying submit.
      Submitted last night, approved today.

  5. John

    I was going to apply for this card, but like apparently many others, I get “The system is currently unavailable. Please try again later. Alternatively, please feel free to contact NAB directly at 13 22 65.”

    To be clear, I have tried this on different days.
    Frustratingly, this only comes up after filling in all your personal info, so it takes a while every time.

    Given that this is a pointhacks special promotion, I would think that the polite thing to do would be for a pointhacks representative to clear this up with NAB.

    This promotion is not really helping with the image of either NAB or pointhacks.

  6. Jacob Wang

    Having the same problem of submitting application via the link, been trying for two days with various browser, still not working, the system keep cracking and showing “unavailable, and call NAB”. Then NAB agents will ask you to apply over the phone, but without the hackpoints additional bonus points (only 100,000 points instead). And they blame “it is the system problem from pointhacks”.

  7. Dragonbaby

    Hi Keith and Matt,

    Just to let you know that my application process for this card has been really unsatisfactory. I had trouble initially submitting the application (seems others have encountered the same reading above comments), when I finally was able to after spending a considerable amount of time providing all the employment and income information, I got an application number and waited for response. No response for 2 weeks. The contact number given 13 98 18 is permanently engaged. When I finally tracked down someone after contacting the general NAB number they told me that there was a “technical” issue with my application so it could not be processed (thanks for never contacting me about that) but they could sign me up straight away over the phone (without the additional serve of bonus points).

    I will try applying agin (who knows what the “technical” issue was with my application) but the so far the experience has been really poor. It almost seemed that they didn’t want me to apply and certainly they seemed very keen for me to sign up NOT via pointhacks.

  8. Ed

    Hi, I’ve applied via you guys and NAB has approved my application.
    Ringing them up though they cannot confirm that I’ll receive the bonus points as I didn’t apply through them.
    Is there a way to confirm my status whether I’m qualified for the bonus points or not?

    Cheers,

    • If you applied through us and got approved by NAB, then you’ll be eligible for the bonus points offer—as long as you meet the $4,000 minimum spend within 60 days of account opening.

  9. David

    Matt, could you please confirm if any ATO spend will be counted towards the minimum spend requirements? Ie if you spend 2K of the 4k minimum, will this count? I understand that you don’t get points for ATO purchases. Many thanks

    • Good question! I can see from the terms and conditions that:

      To be eligible for the Bonus points offer you must apply for a new personal NAB Qantas Rewards Signature Card via Pointhacks by the 17th June, be approved, and spend $4,000 on everyday purchases within 60 days of opening account. Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes.

      So ATO payments don’t seem to fall under that but to be sure, I’d recommend calling NAB to confirm as that would be half of your minimum spend and it would be a shame for it not to count.

  10. Alex T

    I must say the entire application process has been a nightmare. Once you hit submit expect to be asked for yet more identity documentation (why not let the online process determine if enough points of ID has been supplied). Then you will be asked to supply proof of income. Then NAB will put some questions about your application but never call you. You will have to call them to see why it still has not been finalised (even if you’re conditionally approved for the maximum credit value). For a premium card with a $395 annual fee, you think you’d be treated like a person not a number. Well I was wrong. That 5 days to receive your card? Yeah well it’s been 5 days, no contact to get the application over the line. Meanwhile I have bills and flights to Europe that need paying. Total joke. Go the ANZ they were much quicker last time I applied.

  11. Hi,

    I recently applied the NAB black signature credit card using the Point Hack link and got approved.

    When I called NAB to confirm the bonus points, they said I am only entitled to 100k bonus qantas points if I spend $4k within 2 months instead of 115k points.

    Please advise how the bonus points work under Points Hack application. Cheers.

    Regards,
    Huey

  12. been trying for 4 days to apply for this card and keep getting “service unavailable” after filling in personal details
    Rang NAB a few times. Unhelpful except to suggest I apply over the phone but they would not honour the bonus points hack points (extra 15000)
    Any suggestions???

  13. geoff

    I already have a NAB home loan package with NAB and i understand i am eligible for a free credit card. If i apply through your link will i have the annual fee waived. Your help would be appreciated

  14. Zain B

    Everytime I click on the link above to apply for the NAB QANTAS rewards signature visa the application form on the NAB won’t let me go beyond “Tell us about yourself”. It keeps coming up with a message of “system unavailable” or “service unavailable”. Is there a way to fix it?

  15. I have a NAB business credit card under my name, but do no personal banking and have no personal credit card from NAB. Would I still be eligible to receive the sign-up bonus? Thanks

    • We have clarified this with NAB and the offer is unavailable to those who are currently holding a NAB-issued personal credit card or those who have held one within the last 12 months.

      In short, current NAB business/commercial credit cardholders like you are eligible for this offer.

  16. Kelsi Wooding

    “Offer unavailable to existing NAB cardholders, if closing/transferring from another NAB credit card account or to those who have held a NAB-issued credit card within the last 12 months.”

    I assume I am right in thinking the second part of the above (those who have held a nab-issued card in the last 12 months) literally excludes all current NAB credit card customers from taking this offer? I have a current NAB card (not Qantas) and was about to apply for this card through the NAB site where they offer 100k bonus points and dont have the same limitation. I’d obviously prefer 115k….

      • Ryan

        I read the terms differently. I just applied via PH and the terms on the NAB/PH promo page are, in part:

        “Offer is not available when closing/transferring from another NAB credit card account or in conjunction with any other NAB card offer. This bonus points offer is not available to existing customers who have received or are entitled to receive NAB Qantas Rewards Bonus Points for a new personal NAB Qantas Rewards credit card in the twelve months prior to the opening of a NAB Qantas Rewards Signature Card…”

        I have a NAB Velocity card so technically this doesn’t affect my bonus points as I’m not closing or transferring from it.
        I haven’t had a NAB QF points card for more than 18 months so I’m clear here too.

  17. Uyen

    I just applied for this card 2 days ago but through nab website. Is it possible to get that extra 15k bonus or do i have to cancel my application and apply through pointhacks? Thanks

      • Uyen

        Hi Matt,

        I think I actually applied it via point hacks link, and confirmed with Nab that i applied from an external link not their website. I however didn’t receive any confirmation email, just a text from nab saying my card is approved, would pointhacks usually send confirmation email when applying from your website?
        Thanks
        Uyen

  18. Eliot

    My understanding is that Bpay payments are counted as everyday purchase for purposes of hitting the 4k minimum spend. Can anyone confirm this?

  19. Mark

    The offer online (https://www.nab.com.au/business/business-cards/nab-qantas-business-signature-card#Qantas_Rewards_Special_offer)
    states
    “Qantas Rewards Special offer
    ….Everyday business purchases excludes transactions NAB decides are wholly or partly for gambling or gaming purposes. ……”
    No mention of ATO payments excluded there, although they are excluded in the
    “Qantas Points” section. Which made me think that perhaps the ATO expenditure was OK for the $3000 minimum spend for the bonus, but not to earn points.
    After a 30 minute call they say “No” the ATO expenditure won’t be counted.
    Looks like you need to buy a lot of paper clips.

    • Weirdly, no.

      From the landing page:

      You will earn 1 Bonus Point for every dollar charged to your Card Account for the purchase in Australia of the following services directly from Qantas (ie. where Qantas, and not its agent, is identified as the merchant on the credit card transaction):

      Qantas flights
      Qantas Club and Qantas Frequent Flyer memberships, and
      purchases from ‘Qantas Travel’ customer shop fronts.

  20. Matt

    I closed my NAB a month ago, right after I got bonus points.

    Doesn’t seem like terms say there’s a waiting period, just can’t be closing or transferring?

  21. Dean

    As an existing NAB premium Qantas card holder, would I be eligible for the signup bonus? I previously received bonus points when I signed up close to 3 years ago.

Leave a Reply