Note: This card is no longer available to new customers. We have kept this guide up as a reference for existing cardholders.

Upcoming personal credit card changes: From 18 April 2024, there are changes to NAB’s personal credit cards and some updates to the terms and conditions. Personal credit card changes | Effective 18 April 2024 – NAB.

The NAB Qantas Rewards Card is the entry-level card in NAB’s Qantas Rewards card range. Other cards in the range are the Qantas Rewards Signature and Qantas Rewards Premium.

The card earns 0.5 Qantas Point per $1 spent up to $3,000 per statement period, comes with complimentary purchase protection insurance and also offers 0% p.a. interest on balance transfers for six months for a $95 p.a. annual fee.

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

Digging into the details of the NAB Qantas Rewards Card

The NAB Qantas card range is split into Signature, Premium and a standard Classic, with annual fees of $395, $250 and $95 respectively.

The NAB Qantas Rewards Card is the entry-level in the lineup and as with most cards in this category, offers limited features.

Card Details

CardNAB Qantas Rewards Card
Loyalty programQantas Frequent Flyer
Points earned from spend0.5 point per $1
Points earned with QantasAdditional 1 Qantas Point earned per $ spent on selected eligible Qantas products and services
Points cap$3,000 per statement period
Earns points at ATONo
Insurance includedPurchase protection
Overseas transaction fee3% of the converted amount
Mobile walletApple Pay, Google Pay
Annual fee$95

This card earns 0.5 Qantas Point per $1 on spend up to a hard cap of $3,000 per statement period.

This points cap is very limiting but just like the higher-tier Qantas Rewards cards, it also earns an additional 1 Qantas Point per $ spent on Qantas products and services, such as flights and Qantas Club membership.


This card does come with a complimentary purchase protection insurance, which is a decent feature given this is an entry-level card. You can read more about the coverage in the full 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.

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.

NAB Apple Pay - Point Hacks

Summing up

The NAB Qantas Rewards Card has no signup bonus, and if your focus is on maximising points earn from spend then there are other cards in the lineup or on the market with more lucrative earn rates.

The bonus Qantas Points for eligible spend on Qantas products and services makes the card a decent option for those who transact a lot with Qantas but are seeking only a budget card.

However, if you are looking for more features in a Qantas Points-earning card, it can be worth the effort to analyse and consider the alternatives out there to ensure you’re getting the features and benefits that work for your circumstances.

NAB Qantas Rewards Card Guide (no longer available to new customers) was last modified: March 16th, 2024 by Daniel Sciberras