--- title: "NAB Rewards Platinum Card — NATIONAL AUSTRALIA BANK" description: "Credit & Charge Cards from NATIONAL AUSTRALIA BANK. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/national-australia-bank/products/c43ad795-9db1-4e1f-a7f5-845714ecedfd source: "CDR Compare" language: en-AU last_updated: 2026-07-23T13:59:59Z --- # NAB Rewards Platinum Card — NATIONAL AUSTRALIA BANK > Credit & Charge Cards from NATIONAL AUSTRALIA BANK. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Credit & Charge Cards** Earn NAB Rewards Points and enjoy platinum services and complimentary insurances ## At a glance - **Purchase rate:** 20.99% - **Annual fee:** $195.00 ## Apply Applications are handled by the provider: [Apply at NATIONAL AUSTRALIA BANK](https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-platinum-card) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Introductory · 1 year (0% p.a. for 12 months standard balance transfer rate. 3% balance transfer fee applies. NAB may offer different introductory rates at its discretion, including for promotional purposes. · Not applicable) | 0% | — | — | | Purchase (NAB may discount the purchase rate at its discretion, including for promotional purposes. · Not applicable) | 20.99% | — | — | | Cash advance (Not applicable) | 21.74% | — | — | | Balance transfer (Not applicable) | 21.74% | — | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Annual Card Fee — Charged yearly · NAB may waive or discount fees at its discretion, as part of a package or promotional offer. · Discount −$195.00 — NAB Portfolio Facility - no annual fee (eligibility: Other: Part of NAB Portfolio Facility) · Discount −$195.00 — NAB Private Portfolio Package - no annual fee (eligibility: Other: Part of NAB Private Portfolio Package) · Discount −$195.00 — NAB Private Tailored Package - no annual fee (eligibility: Other: Part of NAB Private Tailored Package) | Ongoing | $195.00 | | International Transaction Fee Single-currency | Transaction | 3.5% of transaction | | International Transaction Fee Multi-currency | Transaction | 3.5% of transaction | | Cash Advance Fee — Minimum fee is $3.5 | Transaction | 3.5% of transaction | | Late Payment Fee — Debited after day on which payment due if balance of account is $50 or more | Event | $20.00 | ## Features - **Card access** — NAB Visa Credit Card - **Additional cards** — up to 1 (Up to one additional cardholder) - **Unlimited transactions** - **Loyalty program** — NAB Rewards (Earn points on your every day transactions and there is no limit to the amount of points you can earn each month Earn 2 NAB Rewards points On purchases made online with Webjet via the NAB Rewards Store or on webjet.com.au. Earn 1.5 NAB Rewards points at eligible Grocery Stores. Eligibility for additional points at Grocery stores is determined by a merchant’s Merchant Category Code (MCC). An eligible Grocery store is a merchant whose MCC is designated as 5411 Grocery Stores. NAB is not responsible for designating MCCs and has no control over the same. You’re unable to get bonus points if you use an intermediary platform such as PayPal or a delivery platform such as Uber Eats for these transactions. Earn 1 NAB Rewards Point on all other eligible transactions. NAB may vary or end offers at any time. Eligibility criteria and terms and conditions apply.) - **Insurance included** — Complimentary Purchase Protection Insurance - **Insurance included** — Complimentary Extended Warranty Insurance - **Balance transfers** (3% fee NAB may vary or end offers at any time. Eligibility criteria and terms and conditions apply.) - **Interest-free period** — 44 days (Up to 44 interest free days on purchases) - **Interest-free transfers** — 12 months (NAB may vary or end offers at any time. Eligibility criteria and terms and conditions apply.) - **Digital wallet** — Apple Pay - **Digital wallet** — Google Pay - **Digital wallet** — Samsung Pay - **Digital wallet** — Garmin Pay - **Digital banking** - **Discounts on other products** — Access to 24 hour, 7 day assistance for travel and lifestyle services with NAB Concierge. (NAB may vary or end offers at any time. Eligibility criteria and terms and conditions apply.) - **Discounts on other products** — Visa Premium Access (NAB may vary or end offers at any time. Eligibility criteria and terms and conditions apply.) - **Bonus rewards** — 80000 (80,000 BONUS POINTS when you spend $3,000 on everyday purchases within 90 days of account opening.Minimum monthly repayments required. NAB may vary or end this offer at any time.Effective from May 27, 2025 NAB may vary or end offers at any time. Eligibility criteria and terms and conditions apply.) - **Bonus rewards** — 20000 (20,000 BONUS POINTS when you keep your card for over 12 months. NAB may vary or end this offer at any time. NAB may vary or end offers at any time. Eligibility criteria and terms and conditions apply.) - **Fraud protection** (Fraud protection NAB Defence proactively detects fraudulent transactions, so you can enjoy 100% peace of mind with all purchases.) ## Eligibility - **Minimum age** — 18 years - **Residency status** — Must be an Australian resident - **Individuals only** - **Lending criteria apply** ## Constraints - **Minimum limit** — $3,000.00 ## Bundles - **NAB Private Tailored Package** — The NAB private tailored package is an exclusive package specifically designed for nab private clients of national australia bank (NAB). we offer through the package a wide range of concessions and benefits on many of nab’s most competitive products. - **NAB Portfolio Package** — The NAB Portfolio Package is designed to provide a wide range of discounts and extra benefits . - **NAB Private Portfolio Package** — The NAB private portfolio package is an exclusive package specifically designed for nab private clients of national australia bank (NAB). we offer through the package a wide range of concessions and benefits on many of nab’s most competitive products. ## More information from NATIONAL AUSTRALIA BANK - [Overview](https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-platinum-card) - [Terms & conditions](https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-platinum-card) - [Eligibility](https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-platinum-card) - [Fees & pricing](https://www.nab.com.au/personal/help-and-guidance/personal-banking-fees-and-charges#3a) ## Data provenance - Published by NATIONAL AUSTRALIA BANK under the Consumer Data Right - Product ID: `c43ad795-9db1-4e1f-a7f5-845714ecedfd` - Last updated by the provider: 23 July 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/national-australia-bank/c43ad795-9db1-4e1f-a7f5-845714ecedfd - Provider page: https://www.cdrcompare.au/brands/national-australia-bank - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000004 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/national-australia-bank/products/c43ad795-9db1-4e1f-a7f5-845714ecedfd) — product data published by Australian data holders under the Consumer Data Right. 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