nab signature qantas travel insurance

In this guide

• Our verdict

Product details

Eligibility, how to apply, card benefits.

• Rates & fees

Your reviews

Ask a question, nab qantas rewards signature card.

Offers a competitive earn rate and up to 120,000 bonus Qantas Points, but you'll need to wait a year for 30,000 of them.

To get 90,000 of these bonus points, you’ll need to spend $3,000 on eligible purchases within the first 60 days of account opening. You then need to keep the account open for over 12 months (paying the second year’s annual fee) in order to get the other 30,000 bonus Qantas Points.

• Up to 120,000 bonus Qantas Points
• Discounted $295 annual fee for the first year
• Complimentary insurance covers
• Spend requirement to get bonus points is tricky
• High ongoing annual fee of $395
• No lounge passes or travel credit

The NAB Qantas Rewards Signature is suited to travellers who want to earn Qantas Points as they spend and who will use the card's extra features (like the complimentary insurance covers) to justify the annual fee.

Congratulations, NAB!

NAB Qantas Rewards Signature Card received the highly commended award for 'Frequent Flyer Credit Card – Qantas' in the 2024 Product Awards.

Eligibility criteria

• New cardholder. To be eligible for the bonus points, you must be a new customer, meaning you cannot hold or have held a NAB Qantas rewards card in the previous 12 months.
• Residency. You can apply if you're an Australian citizen or permanent resident. If you are not a citizen or permanent resident, you will need to have an acceptable visa. Many visas are acceptable but the following are not: Visitor Visa (exception, a Special Category Visa - NZ Citizen is acceptable), Working Holiday, Student, Exchange/gap year, Transit/short stay/seasonal, and Bridging.
• Income. NAB does not explicitly state a required minimum income, but it will be factored into your application along with the rest of your financial information. You may call the customer service team to discuss your specific personal circumstances.
• Age. You must be at least 18 years old.
• Eligible balance transfer. If you request the balance transfer at the time of application, you can transfer up to 90% of your available credit limit from Australian-issued, non-NAB cards.

Required documents

• Finances. You must provide copies of recent payslips or bank statements.
• Employment. You'll need to provide details of your employment including employer's name, workplace address and time in employment.
• Personal details. You'll need to prove your residential address, which you can usually do by providing copies of utility bills to that address.
• Frequent flyer number. To earn Qantas Points, you’ll need to provide your Qantas Frequent Flyer membership number to NAB.
• Balance transfer details. If you are planning to transfer a balance, you’ll need to provide the details of the account(s), including the institution and account number.
• Up to 120,000 bonus Qantas Points. You can give your points balance a boost of 90,000 bonus Qantas Points when you apply, get approved and spend $3,000 on everyday purchases within 60 days of opening the account. These points will be credited to your account within 3 months of meeting the spend requirement. The other 30,000 bonus points will be credited in the 13th month when you’ve kept your account open.
• Reduced first-year annual fee. Save $100 with a reduced $295 annual fee for the first year, reverting to $395 p.a. thereafter.
• Qantas Points as you spend. Earn 1 Qantas Point per eligible $1 spent up to $5,000 and then 0.5 Qantas Points per $1 spent between $5,001 and $20,000 per statement period. Therefore, total points are capped at 12,500 per statement period.
• Complimentary insurance. The NAB Qantas Rewards Signature offers purchase protection insurance, extended warranty insurance, car rental excess in Australia insurance, domestic travel insurance and international travel insurance. These complimentary insurance policies are issued by Allianz and you should refer to the NAB Card Insurance Policy Information Booklet for full details of what’s covered and when you’ll be eligible for cover.
• Complimentary Qantas Frequent Flyer Membership. If you're not already a member of the Qantas Frequent Flyer Program, you can join for free. This saves you the $99.50 joining fee (as at 29 June 2021).
• Concierge service. Provided by Visa Worldwide, cardholders will also enjoy their own personal assistance for travel and lifestyle services with the NAB 24/7 Concierge.
• Balance transfer rate. This card has a 0% p.a. interest rate for 12 months on balance transfers with a 3% balance transfer fee, which reverts to the variable cash advance rate, currently 21.74% p.a.
• Mobile wallets. You can link your NAB credit card with Samsung Pay , Apple Pay , Google Pay , Fitbit Pay, or Garmin Pay to make contactless payments using your qualifying device at the checkout.

Rates & fees

• Annual fee. Outside of any promotions, this card charges a standard annual fee of $395 p.a.
• Purchase rate. Purchases will collect a variable interest rate of 20.99% p.a.
• Cash advance rate. If you use the card for cash advances, a 21.74% p.a. variable interest rate will apply. You’ll also be charged a cash advance fee of 3% or $3, whichever is greater.
• Interest-free days. Receive up to 44 interest-free days on purchases when you pay your balance in full, or if your statement shows an interest free days amount, in full, by the statement due date.
• Additional cardholder. To earn Qantas Points faster, you can add 1 additional cardholder to your account for $0.
• NAB Qantas Rewards Signature Card TMD

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May 14, 2024

What and where do I need to buy to be an eligible purchase?

Sarah Megginson Finder

May 17, 2024

Hi Dart, Eligible purchases include all kinds of everyday spending: groceries, shopping, travel, flights, accomodation, coffee shops etc. Ineligible purchases usually mean things like gambling, cash advances, interest charges, fees and refunds. Hope this helps!

April 25, 2024

If we put the card into credit of 9600.00 and paid for our holiday would we qualify for the first 90000 points

May 02, 2024

hi Jennifer,

Yes, as long as you spend on eligible purchases, you would qualify for the bonus points.

March 05, 2024

Hi there, If we get 15k approved card limit. Then, we use a balance transfer option of lets say $10k and also spend $3000 from card within first 60 days. Do we still get the Qantas points?

March 06, 2024

Provided you meet the minimum spend requirement, you’ll get the bonus points.

January 16, 2024

If I was to take out this card and have a additional card holder, do both the cards spending go towards the one account?

Amy Bradney-George Finder

January 17, 2024

Hi Rob, Yes, you would just need to provide your Qantas Frequent Flyer account details on or after applying for the card. Then both the primary card and any additional cards would earn points for that Qantas Frequent Flyer account. I hope this helps.

January 15, 2024

I have a NAB. Visa debit card, this will not be classified as a NAB Qantas rewards card will it?

February 14, 2024

No this wouldn’t be considered a NAB visa card and therefore you would still be eligible to apply and collect any bonus offers.

Sally McMullen

Sally McMullen was a creative content producer at Finder. Sally wrote about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong. See full profile

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Qantas Premier Credit Card

Who is the credit provider and issuer of Qantas Premier credit cards?

Why choose a Qantas Premier credit card?

How long does the application process take?

Can I transfer a balance from another credit card?

Who can apply for a Qantas Premier credit card?

Can I add an additional cardholder?

What’s the difference between the Qantas Premier Everyday, the Qantas Premier Platinum and the Qantas Premier Titanium card?

Can I have a Qantas Premier Platinum, Qantas Premier Titanium and Qantas Premier Everyday card?

How do I apply for a Qantas Premier credit card?

How do I remove an additional cardholder from my account?

How do I reduce the size of an image I need to upload?

Change my product

Can I still spend on my current credit card whilst my new one arrives?

Am I eligible for any sign up bonus Qantas Points when changing Qantas Premier credit cards?

What happens to any additional cardholders that are currently on my credit card?

How long will it take for a change of Qantas Premier credit card to be processed?

What will happen to any periodic payments I have set up on my card?

What will happen to the annual fees when my product change is approved?

What happens to the benefits on my card?

How can I change my Qantas Premier credit card account?

What happens to the statements from my old credit card?

Features and rewards

What travel insurance cover is included with my card?

What is ‘Get away interest free for 6 months’?

When will I receive my Lounge Invitations?

How many Qantas Premier Titanium flights discounts do I get a year?

Where can I use my Qantas Premier credit card?

Do bonus Status Credits expire?

How can I book a flight to earn bonus Status Credits?

How do I link my Lounge Invitations to a flight?

How many Qantas Points will I earn on purchases?

When will I receive my bonus Qantas Points?

What services are provided by the Qantas Premier Concierge?

How can I view the bonus Status Credits I’ve earned on my account?

Is there an interest-free period on my account?

What extended level of coverage does my Qantas Premier Titanium credit card provide?

If I cancel my booking, am I eligible for another Qantas Premier Titanium flight discount this year?

How do I make a travel insurance claim?

How can I use my Qantas Premier Titanium metal card for contactless payments?

What flights are eligible to earn bonus Status Credits?

Can I earn bonus Status Credits on Classic Reward bookings?

Which transactions will earn Qantas Points?

Can I use Points Plus Pay to book my flights and earn bonus Status Credits?

Do bonus Status Credits count towards Lifetime Membership tiers?

How long are my Lounge Invitations active for?

How do I claim any missing bonus Status Credits?

Can bonus Status Credit help me acquire or maintain Platinum One membership status?

How can I change my booking made using my Qantas Premier Titanium flight discount?

How do I order from Qantas Wine?

How do I sign up for my complimentary Qantas Wine Premium Membership from my Qantas Premier Titanium credit card?

How do I book discounted companion fares?

Can I book a multi-city flight using my Qantas Premier Titanium flight discount?

Where can I redeem my Lounge Invitations?

Can I share my Lounge Invitations with a person I’m travelling with?

How do I book a flight with my Qantas Premier Titanium flight discount?

My flight was cancelled, and I was moved to another flight, how do I claim my missing bonus Status Credits?

Complimentary Travel Insurance

Personal Baggage, Valuables, Money and Travel Documents

Trip Cancellation and Amendment

Pre-existing Medical Conditions

Other Questions

Eligibility for Cover under the policy

Overseas Medical Expenses

Rates and fees

What interest rates apply?

What fees apply and when are they charged?

Balance Transfers

How can I get the most out of my Balance Transfer?

If I have Balance Transfers at different rates, which one does my credit card payments get applied to first?

What is a Balance Transfer?

What are the benefits of closing my other credit cards after a Balance Transfer?

How does a Balance Transfer work?

How does a Balance Transfer affect the interest charged on my account?

Managing your account

How do I report suspicious transactions?

How do I activate my card?

How can I pay bills with my card?

How do I decrease my credit limit?

How do I increase my credit limit?

How can I unsubscribe from marketing emails?

What should I do if my card is lost or stolen?

Why do I need to enter a password to access certain features?

How are my monthly repayments calculated?

How can I withdraw cash from my account?

Can I choose my own card PIN?

What format is the transactions file in?

How can I pay my credit card bill?

Where can I find my statements?

How can I manage my Qantas Premier account?

Will my replacement card have the same card number and PIN number?

How do I close my account?

How do I update my address or personal details?

How far back can I download my transactions?

How do I download my transactions?

How do I dispute a charge on my Premier credit card?

How are payments allocated if I have additional cardholders?

Cancelling a recurring payment

What is Apple Pay?

How does the Apple Pay experience compare to using my plastic card?

Which Qantas Premier products can be used with Apple Pay?

What do I need before I can start using Apple Pay?

Which devices are compatible with Apple Pay?

How do I set up my Qantas Premier card on Apple Pay?

How do I set my Qantas Premier card as the default card in Apple Pay?

Can I add the same card to more than one device using Apple Pay?

How do I remove my card from Apple Pay?

The card image I see in Apple Pay does not match my physical card. Is there an issue with my Apple Pay set up?

Can I add more than one card on Apple Pay?

Where can I use Apple Pay?

How do I make an in-store purchase with Apple Pay?

Do I need to have an active internet connection for Apple Pay to work?

Will I need to enter my card PIN?

Why was my request to add my card to Apple Pay declined?

How much of my credit card available limit can I access when using Apple Pay?

How can I reverse a transaction made using Apple Pay?

How do I return a purchase if I used Apple Pay to make the payment?

How can I keep track of purchases I’ve made with Apple Pay?

How do I dispute a purchase made with Apple Pay?

Can I use Apple Pay overseas?

Can I use Apple Pay at ATMs?

Is Apple Pay secure?

What is a Device Account Number?

What should I do if my device is lost or stolen?

Does Apple Pay have access to my credit card account?

If my device is formatted or jailbroken, will my Apple Pay information remain on it?

Will I continue to enjoy the features and benefits of my Qantas Premier credit card, including points earn, when I use it for payment with Apple Pay?

What should I do if I lose my card and I’m issued a replacement card?

What should I do if my card expires and I’m issued a renewed card?

Can I continue to use my physical card if I disable Apple Pay or remove my digital card from Apple Pay?

If I switch devices, do I need to set up my card in Apple Pay all over again?

If my device is formatted or jailbroken, will my Google Pay information remain on it?

What is Google Pay and Google Wallet?

Can I use Google Pay overseas?

Can I add more than one card to Google Wallet?

How do I make a purchase using my Qantas Premier Card in apps and websites?

How much of my credit card available limit can I access when using Google Pay?

How do I return a purchase if I used Google Pay to make the payment?

Can Additional Cardholders add their cards to Google Wallet?

Will I need to enter my card PIN with Google Pay?

How can I keep track of purchases I’ve made with Google Pay?

Can I add the same card to more than one device?

How do I remove my card from Google Wallet?

How do I make a purchase using my Qantas Premier card in-store?

Can I continue to use my physical card if I disable Google Pay or remove my digital card from Google Pay?

If I switch devices, do I need to set up my card in Google Pay again?

How do I reverse or dispute a Google Pay transaction?

Will I continue to enjoy the same features and benefits of my Qantas Premier credit card, including points earn, when I use it for payment with Google Pay?

Do I need to have an active internet connection for Google Pay to work?

Does Google Wallet or Google Pay have access to my credit card account?

What happens if there are fraudulent transactions made using Google Pay?

What should I do if I lose my card, or my card expires and I'm issued a replacement card?

What happens if my device is lost or stolen?

Why was my request to add my card to Google Wallet declined?

Whom can I talk to for further help with Google Pay?

Which Qantas Premier credit cards can be used with Google Pay?

How do I set my Qantas Premier Card as the default card in Google Wallet?

Where can I use Google Pay?

How do I set up Google Pay and add my Qantas Premier card?

Are Google Wallet and Google Pay secure?

Which devices are compatible with Google Pay?

Instalment Plans

Can I change the term of my Instalment Plan?

How will my repayments be applied to my card?

Can I have more than one Instalment Plan?

How do I make the monthly instalment repayment?

Who can create an Instalment Plan on my card?

Does an Instalment Plan earn Qantas Points?

What happens if I return a purchase that was converted into a Statement Instalment Plan?

How do instalment plan(s) appear on my statement?

How can I track my instalment plan?

Can I pay more than my monthly instalment amount?

Why am I not eligible for a Cash Instalment Plan?

Is the instalment plan amount part of my existing credit limit?

When will I be charged my first monthly instalment?

Can I pay off my instalment plan early?

Will I be able to set up a Statement Instalment Plan if I have a direct debit set up?

What is a Statement Instalment Plan?

Will an instalment plan affect my interest-free days on my purchases?

Is there a fee to set up an instalment plan?

What happens if I miss paying the initial interest charge or monthly instalment repayment by the Payment Due Date?

Open Banking

What is Open Banking?

What information can be shared with Accredited Data Recipients (ADRs)?

How does data sharing work?

Can any institution request access to my data?

Where can I find out more about the Consumer Data Right legislation?

Financial difficulty

What if I’m finding it hard to meet my Qantas Premier credit card repayments?

Loss of a loved one

How can I tell which emails are genuine?

What do I do if I receive a suspicious phone call?

How does Qantas Money protect my Qantas Premier account?

How does Qantas Money protect my financial data?

How can I protect myself online?

What are some scams I need to be aware of?

Customer Support and Complaints

Accessibility and Disability Support - Qantas Premier credit card

Managing your cash flow during COVID-19

Family and Domestic Violence

Coronavirus update

How do I lodge a complaint relating to my Qantas Premier Credit Card?

Qantas Pay Card

Changes to Qantas Travel Money

Why is Qantas Travel Money changing to Qantas Pay?

Does my existing Qantas Travel Money card still work?

How do I join and get a Qantas Pay card?

How do I access my Qantas Travel Money account after 21 May?

Will I still earn points with Qantas Pay?

Can I use my Qantas Travel Money card as my Qantas Frequent Flyer membership card?

Can I activate my Qantas Travel Money replacement card after 21 May?

Can I activate my Qantas Travel Money card for the first time

What is changing for the Qantas Frequent Flyer membership card?

How can I access my Qantas Frequent Flyer number?

How can I access and set my Qantas Pay card PIN?

Does Qantas Pay have a digital card?

Can I schedule recurring currency loads from my nominated bank?

General information

Which currencies are available on Qantas Pay?

Who's eligible for Qantas Pay?

Is Qantas Pay a credit card or a debit card?

Does this mean that Qantas is now also a bank?

What are the benefits of Qantas Pay?

Apply and activate

How do I sign up for Qantas Pay

How do I activate my Qantas Pay card?

Will a credit check be conducted when I sign up for Qantas Pay?

Can I sign up for Qantas Pay if I have a foreign passport?

How do I use Qantas Pay?

What if the details on the Qantas Pay identity verification form are incorrect?

What if I don’t have an Australian Passport or an Australian Driver’s Licence?

What do I do if I’m unable to sign up for Qantas Pay online?

I’ve forgotten my Qantas Pay card PIN, how do I retrieve it?

What if my PIN is blocked at an ATM or in-store?

How do I set my Qantas Pay card pin?

Is my Qantas Pay card PIN different to my Qantas Frequent Flyer PIN?

How do I change my PIN?

Rates, fees and limits

What exchange rate applies to Qantas Pay?

What fees apply to Qantas Pay?

What limits apply to Qantas Pay?

Do fees apply if I don’t have the local currency on my card?

What should I do if my card is expired?

What happens if I make a purchase in a foreign currency and I don’t have enough money in that currency on my card?

Can I arrange a back-up or secondary card?

How do I cash out remaining funds on the Qantas Pay card?

How do I transfer between currencies on the Qantas Pay card?

What is a pre-authorisation?

Does the card come with Mastercard Contactless?

Do I get a line of credit or overdraft with Qantas Pay?

When to use

Where can I use Qantas Pay?

Can I use Qantas Pay if the local currency isn’t available?

Can I use my Qantas Pay card at a hotel or on a cruise?

Can Qantas Pay be used for Qantas in-flight duty free purchases?

Can I use Qantas Pay to pay for flights at qantas.com?

Using overseas

Is there anything I need to do before I go overseas?

Do I press Cheque, Savings or Credit when I make a purchase or withdraw cash using Qantas Pay?

Can I view my Qantas Pay balances at overseas ATMs?

What should I do with my card when I return from overseas?

What will happen if the local currency isn’t available to load on Qantas Pay?

Should I pay in Australian dollars instead of the local currency when I’m overseas?

Are there any countries where the Qantas Pay Card won’t work?

I’m overseas and my Qantas Pay card isn’t working

Transactions

Why has a transaction declined when I have enough funds on the card to complete the purchase?

Why would an online transaction be declined if I have enough money to complete the purchase on the card?

How long do load transactions take to appear in my account?

Contact Information

Accessibility and Disability Support - Qantas Pay

What should I do if my card is lost, stolen or damaged?

How do I lodge a complaint relating to my Qantas Pay card?

Qantas Money App

Update my Qantas Money App

How to update my Qantas Money App?

Understanding your PINs and Passwords

Can I use my fingerprint to log in?

The app doesn’t recognise my fingerprint

What if I’ve forgotten my passcode?

How do I log out?

Managing your finances

Why use the Qantas Money app?

Connecting accounts

How do I delete an account?

What does ‘pending’ mean?

I can’t see my transactions

I can’t find my bank in the list

Can I transfer money using the app?

Is it OK to enter my online banking login details?

How do I add a new account with a connected financial institution?

What type of accounts can I connect?

Why is the transaction date different to the date I made the transaction?

When are my balances and transactions updated?

Transaction categories

How are my transactions categorised?

What happens to my categories if I delete an account?

Are my categories applied to past transactions?

Notifications

What are notifications?

What kind of notifications can I set up?

How do I receive notifications?

Is there a cost for receiving notifications?

How do I set up notifications?

Can I delete or change my notifications?

Will I receive notifications if I’m not connected to the internet (e.g. Wi-Fi, 4G, etc)?

Can I view notifications I’ve previously received?

Why do I need to turn on my App Notifications settings?

Why can I see a notification in my notification history that I didn’t receive?

I’ve received a notification, but can’t see it in my history?

Can I set my own Travel Money low balance alert amount?

Why can’t I find notifications in the app?

How can I make sure that I get access to all available notifications?

What happens when new types of notifications become available?

Contact details

How do I update my contact details?

What if I notice a suspicious transaction?

Qantas Points

Missing Qantas Points?

How can I use my Qantas Points?

How do I view my Qantas Points balance?

Card Offers

Card Linking

Can I link an additional card to Card Offers?

Can I use any card that I have added to my Qantas Money App for Card offers?

Can I link another card in addition to my Qantas Premier Card?

Can I link and earn points with a debit Mastercard® or Visa® card?

Why can't I see my Card Offers on the Qantas Money website?

Why am I not receiving any/many offers?

How long will my offers be valid for?

What are the terms and conditions of the offers?

Why am I receiving offers that don't seem well matched to me?

Can I share an offer with my partner/friend etc?

Why did my friend get an offer for a specific store and I did not?

Are offers applicable to both purchases in-store and online?

What retailers are included in the program?

Earning bonus Qantas Points

Why does it take up to 15 days to receive my points?

How can I check if I have successfully earned points on an offer?

Missing Points

How do I follow up on missing points from Card Offers?

What if I forget to use my linked card, can I still earn the points?

How can I opt out of Card Offers?

All Categories ​>​ ​Qantas Premier Credit Card ​ > ​ ​Features and rewards ​>​ What travel insurance cover is included with my card?

Get peace of mind – with complimentary travel insurance for yourself, your spouse and your dependents travelling with you, when you book using your card or using Qantas Points earned on your card. You’ll get medical emergency expenses cover up to $1,000,000, travel cancellation cover up to $20,000 and much more.

Qantas Premier Titanium customers enjoy a higher level of complimentary travel insurance, that extends to Additional Cardholders for domestic and international travel.

View the  Qantas Premier Credit Card Complimentary Travel Insurance Terms and Conditions  for full eligibility and cover details.

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The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

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NAB Travel Cards: The Complete Guide

Published: Jun 14, 2024, 11:18am

Table of Contents

Nab debit cards for travelling, nab credit cards for travelling, should i use a bank card or travel card while abroad, bottom line, frequently asked questions (faqs).

In 2012, NAB released a Traveller Card with the intention to make it easier for jet-setters to access their cash while abroad.

However, since November 2020, the bank closed the card to new customers. These days, NAB customers travelling overseas can opt for one of NAB’s other cards that can be used internationally, or use a rival bank or money transfer service.

This guide outlines the pros and cons of the Traveller Card for those existing customers whose cards may not have reached their expiration date yet, as well as the other NAB cards that can be used overseas. We break down international fees; conversion rates; included insurance; and other features.

All fees, interest rates and benefits are accurate at the time of writing and are subject to change.

The debit cards offered by NAB that can be used for travelling—as in, used overseas—include the discontinued NAB Traveller Card, the NAB Visa Debit Card, and the NAB Platinum Visa Debit Card.

The details of each card, primarily in relation to international use, are outlined below.

Note that as these are debit cards, there is no interest rate to take into consideration. The NAB credit cards for travelling, which we explore later, will outline the various interest rates among different credit cards.

There are eight credit cards on offer from NAB, all of which can be used abroad. For ease of reference, we have split the comparisons of these cards into standard credit cards and rewards credit cards.

Let’s start with the standard credit cards —the NAB Low Fee Card, NAB Low Fee Platinum Card, NAB Low Rate Card and the NAB StraightUp Card .

As these are credit cards, there is the interest rate to consider on purchases, whether at home or abroad. This is unless it is an interest-free card.

Related: Balance Transfer Credit Cards Explained

Now, let’s look at the rewards cards , including the frequent flyer credit cards that allow you to earn travel perks, such as bonus points to redeem on flights or upgrades, lounge access, complimentary travel insurance and more.

It’s worth noting that on June 12, NAB made some significant changes to its NAB Rewards Signature card, including ditching the annual fee for a $24 per month payment (which works out slightly cheaper); a waiver on the monthly fee when more than $5,000 is spent each month; the scrapping of international transaction fees, which were formerly 3%; and the addition of mobile phone insurance. Reward earn rates have also changed, with uncapped potential added, and complimentary lounge passes will be available to passengers whose flights are delayed. For full details of the change, visit Nab’s dedicated Signature Rewards page .

NAB economics data shows a third of Australians say they’re saving and planning for a holiday this year.

“Our customers and bankers have told us one of the key pain points for travel cards is around international transaction fees,” said Tim Peters, NAB executive of Personal Lending Experience.

For information on what you could buy with bonus points, read our guide on what Qantas points are worth, including how many points you would need to redeem domestic and international flights.

Related: Our Pick Of The Best Qantas Points Credit Cards For Frequent Flyers

There are many cards on the market that can be used when travelling, with some companies offering cards designed for this purpose alone. Wise and Revolut , for example, offer debit cards that allow Australian cardholders to store numerous currencies on the single card, create local bank account details in multiple countries, and save on foreign transaction fees and/or currency conversion fees.

As stated, NAB discontinued its travel-specific card that allowed its customers to hold multiple currencies. However, its Big Four competitors still have their own versions available: the Westpac Travel Money Card allows for 11 currencies, while the Commonwealth Bank Travel Money Card can hold 13.

Like NAB, ANZ discontinued its version of a travel card in recent years as well.

While it’s unfortunate that NAB no longer offers its travel-specific card with multiple currencies, NAB still has options for Australians when travelling.

If you are after a NAB card to use abroad, you will need to consider whether you want a debit or credit card, whether you’re willing to pay an annual or monthly fee, any additional perks you are after, and the foreign transaction fees you’ll be charged while travelling—although NAB has scrapped foreign transaction fees on its Signature Credit Card as of June 2024.

Does NAB have travel cards?

NAB used to have a travel-specific card, allowing Australians to travel internationally and spend money in one account with various currencies while abroad. This card was discontinued in recent years, with NAB not publicly explaining why this occurred.

Now, NAB customers wanting to use their NAB cards while overseas will have to consider the foreign transaction fees as well as any ATM withdrawal fees. If they’re using a credit card, they will also need to consider the interest rate on purchases if they don’t pay their card off in full each month.

Luckily, all NAB cards can be used abroad.

Is NAB’s travel insurance good?

Some of NAB’s card offerings include complimentary domestic and international travel insurance when you book your trip with your card. Often this complimentary insurance offered by credit card companies is more of a ‘bare bones’ policy, rather than a comprehensive travel insurance policy .

With NAB, the complimentary international travel insurance can be claimed if you:

• charge at least $500 of your prepaid travel costs to the account holder’s card account before leaving Australia
• have a return overseas travel ticket before leaving Australia
• be aged under 81 years at the time you become eligible for the cover by meeting the conditions above.

On NAB’s website, it states that the “the below information is a limited summary only and is subject to applicable terms, conditions, exclusions, limits, sub-limits and excesses that may apply”. In summary, it says it may cover:

• Overseas emergency assistance and medical expenses;
• Accidental death and loss of income;
• Cancellation;
• Travel delay and alternative transport expenses;
• Luggage and luggage delay;
• Rental vehicle excess; and
• Personal liability.

It’s important to read the terms and conditions of your individual card and its travel insurance conditions before you rely on it for your insurance needs while abroad.

What are the international transaction fees on NAB cards?

International transaction fees charged on NAB cards vary from card to card, but are usually around 3% to 4% of the transaction. There are additional charges for cash withdrawals overseas, as well as a transaction fee, and usually a withdrawal fee from the ATM operator. As of June 12, 2024, NAB has scrapped these international fees on its Rewards Signature card.

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• Prepaid Travel Cards
• What Is A Credit Card
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• List Of Credit Card Companies In Australia
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• Rewards Credit Cards
• How To Apply For A Business Credit Card
• How Much Are Qantas Points Worth?
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• What Does ‘APR’ Mean On Loans And Credit Cards?
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• What Is A Cash Advance
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• CommBank Neo Credit Card Review

American Express Velocity Escape Credit Card Review

• Qantas Points Credit Cards Explained
• NAB StraightUp Credit Card Review

Wise Vs CommBank Travel Money Card Comparison

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Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.

Explore travel benefits

Explore our range of products and services to help you make the most of your next holiday, whether you’ve just started planning or are already packing for your flight.

Earn bonus points

NAB Rewards cards

Earn and redeem NAB Rewards Points

Redeem for Flybuys or Velocity Points *

Redeem for travel with Webjet *

Transfer for frequent flyer and rewards programs

Complimentary travel insurances *

NAB Rewards cards with Velocity

Enjoy uncapped rewards points, transferred weekly to your Velocity account to redeem on flights and more. *

Earn bonus points with Webjet when you use a NAB Rewards Signature or Platinum Card *

Global assistance for card emergencies

NAB Qantas Rewards cards

Enjoy Qantas Points on your everyday spending.

Redeem your Qantas Points for flights, luggage and more *

Free Qantas Frequent flyer membership *

Zero international transaction fees

NAB Rewards Signature card

Uncapped NAB Rewards Points earn rate with premium travel services.

$0 international transaction fees on purchases

NAB Platinum Visa Debit card

Your premium everyday card at home and overseas. *

Concierge services for flights, restaurants and more *

NAB Now Pay Later

Split your travel purchases into four equal instalments *

Account limits up to $2,000

Accepted anywhere Visa is accepted, including overseas

NAB StraightUp card

Pay a simple monthly fee and no interest *

Up to $3,000 credit limit

Complimentary travel insurance

NAB Low Fee Platinum card

Our lowest annual card fee of $90 on a platinum product with our range of benefits. 

Make the most of your next trip

NAB Concierge Service

The NAB Concierge Service , opens in new window is a travel and lifestyle service available 24 hours, seven days a week. Whether you’re travelling overseas or within Australia, you’ll get help with flights, hotel bookings, car rentals and more, as well as emergency travel assistance. It’s available to the following cardholders * :

• NAB Rewards
• Qantas Rewards
• Low Fee Platinum
• Platinum Visa Debit , opens in new window

Other ways to fund your travel

Save for your holiday using My Goals in the NAB app, fund your trip with a savings account or a personal loan, and easily spend money overseas with a credit card, or buy now pay later.

• Set a savings goal , opens in new window in the NAB app
• Save for your trip with a NAB Reward Saver , opens in new window or NAB iSaver , opens in new window
• Explore personal loans , opens in new window for travel and holidays
• Pay for your holiday with a credit card
• Use NAB Now Pay Later , opens in new window for travel purchases

Planning a holiday?

We have tools and support available to help you manage your money while you travel.

Tell us when you’re going overseas

For increased account security, follow our steps to notify us when you’re travelling.

Foreign exchange calculator

NAB's foreign exchange calculator gives you indicative exchange rates and the costs of foreign currencies.

Travel tools in the NAB app

Use the NAB app's travel tools to track your spending on your NAB Visa card.

Important Information

Terms and conditions.

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NAB Qantas Rewards Signature Card

• Gain up to 120,000 bonus Qantas Points. Acquire 90,000 bonus points upon spending $3,000 within the initial 60 days from account approval date and an additional 30,000 bonus points upon maintaining your card open for over 12 months. Terms and conditions apply.
• Benefit from 0% on balance transfers for 12 months with a 3% Balance Transfer Fee.
• First-year annual fee reduced to $295 p.a. from $395 p.a. (saving you $100).

Pros and cons

• Complimentary Qantas Frequent Flyer membership fee valued at $99.50.
• Six complimentary insurances when you make an eligible purchase.
• Earn 1 Qantas Point per $1 spent on everyday purchases up to $5,000 per statement period then 0.05 pts per $1 spent thereafter (capped at $20,000).
• Annual fee of $395 p.a. is quite high.

Convenience

Customer service, rates and fees.

When a premium card is just not enough to complement your successful, adventurous lifestyle, there's a new level of prestige card just for you: the Signature card. And for committed Qantas Frequent Flyers (or even those new to the scheme), there's a very special card, the NAB Qantas Rewards Signature Card.

It has almost everything you could look for in a frequent traveller's card, including a truly valuable first-purchase bonus points boost, lots of ongoing QFF points, and one of the most comprehensive suites of complimentary insurance policies available with a credit card.

120,000 Qantas points bonus, just for normal spending

No one is going to pay for a premium card like this, and then leave it in their wallet. At this level, cardholders can usually spend $1,500 per month on card purchases without batting an eyelid. Do just that, by spending $3,000 in the first 60 days, and be richly rewarded with 90,000 bonus Qantas Frequent Flyer points.

Then, after 12 months, just pay your second-year annual fee and you'll receive a further 30,000 bonus QFF points. Those 120,000 Qantas Points are nearly enough for a return economy flight to London or New York (110,400 points).

Best QFF ongoing points rate on a Visa card

This is a stand-alone Visa card, like all NAB credit cards now that they have dropped their Amex companion cards. It earns 1.0 Qantas Frequent Flyer point for every dollar spent on eligible purchases, and that's equal to the best rate going on any Visa card or Mastercard available in Australia at the time of writing.

You'll also benefit from an extra 1.0 points per dollar if you use your card to purchase Qantas flights, Qantas Club memberships, or travel from the Qantas Travel service. So that's a massive two points per dollar for all spending directly with Qantas on Qantas products.

Fairly generous points threshold and cap

Also unlike the NAB Qantas Rewards Premium Card, there is a very liberal points cap. The Premium Card is capped at $6,000 per month, but this Signature Card lets you earn 0.5 Qantas points on monthly purchases between $5,000 and $20,000. The $20,000 cap is unlikely to worry you, but the $5,000 threshold, while potentially annoying, means that you still earn at least some points on major purchases or in big-spending Christmas and holiday periods.

Get Qantas Frequent Flyer membership for free

NAB will pay the $99.50 Qantas Frequent Flyer program joining fee for any new cardholder who is not yet a member.

Using your Qantas Frequent Flyer points

Accepted wisdom says that the best way to use your Qantas points is for award flights or seat upgrades with Qantas and its more than 50 partner airlines worldwide, and accepted wisdom is not wrong. The longer the flight and the higher the seat class, the greater your return is per dollar spent in earning points.

However, you may occasionally wish to redeem your Qantas points in other ways, and you can choose from:

• An online merchandise catalogue
• Retail, travel, car hire and entertainment gift cards and vouchers
• Wines and spirits
• Qantas Epicure wine and food events

But be aware that non-flight redemptions almost always deliver a much lower value per point than flights and seat upgrades.

Complimentary insurance policies to safeguard your lifestyle

Prestige cards usually get a good workout for both travelling and shopping, so NAB have included a wide-ranging collection of insurance policies (seven in total) to make sure that your purchases are protected as far as possible from unexpected problems and unforeseen extra costs:

• Overseas travel insurance: covers emergency medical expenses, luggage and documents, unavoidable trip cancellation, rental vehicle insurance excess, and more
• Interstate flight insurance: similar to overseas travel cover, but without emergency medical expenses
• Domestic hotel burglary insurance: covers personal items stolen from a locked hotel room in Australia (a policy unique to NAB credit cards)
• Transport accident insurance: compensation for loss of life or serious injury as a result of an accident in a plane, bus, taxi, train or ferry
• Extended warranty insurance: doubles the manufacturer's warranty up to a maximum of 12 extra months
• Purchase protection insurance: purchased items covered for three months against loss, theft or accidental damage

In all cases, insurance is activated by purchasing with the card the goods and services for which cover is required. For the overseas travel insurance policy, $500 of pre-booked travel expenses must have been charged to the card, and for the remaining travel policies the card must have been used to pay the full fare.

Transfer your balance and enjoy a 0% interest rate for 12 months

If you already have a competing credit card, chances are you may have recently made a major purchase which has created a blip in your cash flow. This is your opportunity to bring your balance across to your new NAB card and pay no interest on it for 12 months while making monthly repayments of only 2% of the balance. There is a 3% upfront balance transfer fee to pay, which will slightly reduce your interest cost savings.

The only problem with having an unpaid balance transfer is that during this time you will sacrifice the normal interest-free days granted each month on purchases, in this case, up to 44 days per month. So you'll want to avoid using your card for purchases for the first 12 months if you have a balance transfer. This means that you'll miss out on earning points and being covered by insurance.

Plan to pay off the balance in full at the end of 12 months in order to avoid the 21.74% p.a. balance transfer revert interest rate. This is also the cash advance rate, and the rate on unpaid purchase balances is 20.99% p.a.

All the premium level service and security you've come to expect

The Signature-level card features, designed for busy people like you, include:

• NAB Concierge Service: a dedicated 24/7 global travel and lifestyle service for NAB Signature, Platinum and Premium cardholders only.
• Visa Premium Access: jump the queue to get reserved seating for the hottest events, plus other privileges and discounts.
• NAB Pay for Android: convert your smartphone into a digital wallet, tap and pay with your phone (secure fingerprint ID), block, unblock and control your card account features, use your account before your card arrives in the mail.
• NAB Defence: proactive fraud detection, always on the lookout for suspicious transactions.
• Verified by Visa: an extra level of security for online shopping, using a password or One Time PIN delivered by SMS.
• Worldwide emergency assistance: help available around the clock if your card is lost or stolen.

A premium price, but get back more than you pay for

You'll pay a reduced annual fee of $295 in your first year of holding the card (with no extra charge for supplementary cards), rising to $395 in subsequent years.

This hefty amount will probably not come as too much of a surprise, given the high points earning rate and the many other benefits. The bonus points cover the fee several times over in the first year. But no one likes paying more than they need to, so consider what you get for the fee every year:

• High points earning potential: If you put $5,000 per month through the card, you'll earn 60,000 Qantas points, more than enough for a one-way economy fare to Europe or the US.
• Complimentary insurance package worth an estimated $1,370 per year.

Other cards to consider

$395 per year is a big commitment, so take a look at some competing cards before making your final decision. You'll find all the major Qantas Frequent Flyer points earning cards listed on our Qantas credit card comparison .

The NAB Qantas Rewards Signature Card will handsomely compensate you for the travel you need to do for both work and leisure, while at the same time making your life a little easier. So whether you've already arrived at the top of your field, or you merely have it in your sights, this card could be an ideal choice.

Reviewed by Yvonne Taylor

Lead Product Analyst

User reviews

Review of NAB Qantas Rewards Signature Card

Reviewed by seanrewell

Keep dragging the claim out so they'll eventually give up. 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

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This credit card is listed in these comparisons

• Balance transfer credit cards with Qantas Points
• Black credit cards
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• Frequent flyer
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