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NAB Rewards Platinum Credit Card

The NAB Rewards Platinum Credit Card offers up to 100,000 bonus NAB Rewards Points. Ongoing benefits include NAB Rewards Points earned on eligible purchases, and complimentary travel insurance.


Updated 14 April 2025


Fact checked and verified. Updated 14 April 2025
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Expert Review

The NAB Rewards Platinum credit card is NAB's mid-tier NAB Rewards product. Featuring a competitive points earn rate which is uncapped, the card provides premium features such as insurances. Further, the product has a $195 annual fee, including up to 44 interest free days.

Considering its key features, this card is most suitable to someone who wishes to be rewarded for their spend. Other benefits include Overseas Travel and Medical Insurance which is similar to equivalent products and no additional cardholder fees.

Bonus Points, Balance Transfer and discounted Annual Fee in first year.
For a limited time the NAB Rewards Platinum credit card has a bonus NAB Rewards Points offer, where you could receive 80,000 bonus NAB Rewards Points in the first year and 20,000 bonus NAB Rewards Points in the second year. Also, the product has a special 0% p.a. Balance Transfer offer for 12 months. Of note, there is also a 3% p.a. Balance Transfer fee which should be considered when evaluating the overall benefit of this offer. In addition, the product also has a $45 annual fee in first year, which is a saving of $150 from the standard fee of $195. To get this offer, there will be certain eligibility criteria that you should be aware of before you apply.

Product Details
Earn NAB Rewards Points to redeem on gift cards, travel, tech and more, plus enjoy complimentary insurances."
- NAB
Rewards

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Earn NAB Rewards Points

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1point per $1 spent

Fees
Account Fees

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$195 annual account fee

Additional Cardholder Fees

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No additional cardholder fee

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Up to 1 additional cardholder

Transaction Fees

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3.50% international transaction fee

Other fees may apply.

Rates

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20.99% p.a. variable purchase rate

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21.74% p.a. variable cash advance rate

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Up to 44 interest free days on purchases

Features
Insurance

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Overseas Travel Insurance

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Transport Accident Insurance

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Interstate Flight Inconvenience Insurance

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Domestic Hotel Burglary Insurance

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Purchase Protection Insurance

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Extended Warranty Insurance

Offers
Bonus Points Offer

up to 100,000bonus points

0% for 12 monthson balance transfers (3.00% BT fee applies), reverts to 21.74% p.a.

$45annual fee in first year

80,000 bonus points in year 1 + 20,000 bonus points in year 2.
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TMD

Before applying for this product, you should read the Target Market Determination (TMD) available here on the NAB website.

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^ Credit card reward programs can be difficult to compare due to tiered and capped points earn rate structures. To simplify comparison, we estimate the number of points you could earn per $1 spent, assuming $5,000 of spend on eligible purchases each month.
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