• long running

NAB Qantas Rewards Signature Card: 90,000 Points ($3000 Spend in 60 Days + $320 1st Year Fee), 30,000 Points 2nd Year ($420 Fee)

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NAB Qantas Rewards Signature Card: 90,000 Points ($3000 Spend in 60 Days + $320 1st Year Fee), 30,000 Points 2nd Year ($420 Fee)
Go to Deal
Lgoodfella on 21/01/2025 - 17:28 nab.com.au (536 clicks)
Last edited 21/01/2025 - 18:04

The first card for which I was instantly and unconditionally approved since I joined the game of churning.
So I decided to celebrate with the community by posting my first ever deal.
This is another iteration of previous deals from 2023 and 2022.

New customers:

  • 90,000 bonus Qantas points when you spend $3,000 on everyday purchases within the first 60 days of account opening and 30,000 bonus Qantas points when you keep your card for over 12 months.
  • You'll also enjoy a reduced annual card fee (from $420 to $320) for the first year.
  • Bonus Points are not available if you’ve received a NAB Qantas rewards acquisition bonus points offer in the last 18 months.
  • Bonus points are credited to your points balance within three months of meeting the spend criteria.

Existing customers:

  • All of above plus ongoing reduced annual card fee for life ($320).

Additional info:

  • Minimum credit limit: $15,000
  • Earn 1 Qantas Point per $1 up to $5,000 on everyday purchases using your Visa card.
  • Earn 0.5 Qantas Points per $1 from $5,001 to $20,000.
  • Complimentary insurances for domestic, interstate, and international travel (please read T&Cs).
  • Can use card with Google/Apple Pay after approval, but no digital card details until physical card has arrived.
Financial Credit Card Frequent Flyer Qantas Frequent Flyer Reward Points VISA

Related Stores

National Australia Bank Group (NAB)
National Australia Bank Group (NAB)
Qantas
Qantas

Comments

  • dealhunter52 on 21/01/2025 - 17:35
    +2

    I just churned mine. One of the decent CC deals out there.

    • Doesnotcompute on 21/01/2025 - 17:47

      Especially if you still hold NABs retired choice package which waive the annual fee for this cc. Paitently waiting to rechurn

    • shegeloaf on 21/01/2025 - 18:51

      Not worth it. $320/yr

      • dealhunter52 on 21/01/2025 - 19:41

        If there are better CC deals with 90K QFF and less fee, please do let us know. I'm looking for my next card after churning this one and ANZ Black.

  • Heybargain on 21/01/2025 - 17:38
    +4

    Bonus Points are not available if you’ve received a NAB Qantas rewards acquisition bonus points offer in the last 18 months.
    This is the stinger.

    • soundboy5010 on 21/01/2025 - 17:47

      18 months is harsh… I miss 0-12 months…

      • illusion99 on 21/01/2025 - 18:15
        +4

        If you think that’s bad, Westpac and their subsidiary banks are now 24 months.

        • Salternative on 21/01/2025 - 19:43

          Got bonus points for st george card 16 months after my last st george card, the rules changed a month or so before i applied ( october or so) . Still got it , dont know how.

    • Frosty17 on 21/01/2025 - 18:05

      Contact NAB and ask if you're eligible - their system is weird and sometimes it doesn't pick it up.

    • akanub on 21/01/2025 - 20:39

      If I cancelled my card last year but it was opened 2 years ago (which is when I received the bonus points last time), I should still be eligible now given that it's been 24 months now?

      • mkowarkski on 21/01/2025 - 21:34

        It should be 18 months after you closed your card.

    • clownyfish on 21/01/2025 - 21:35
      -1

      Do we know exactly what they deem as "receiving [an …] offer"? This makes a difference.

      If I "receive the offer" when I sign up for a new card, then it's not so bad. I can cancel at month 12, and come back 6+ months later.

      If I "receive the offer" when I receive the bonus points, then now it's a bit longer.

      If I "receive the offer" for as long as I have the card, now I have to wait 18 months after I cancel.

  • theoscat on 21/01/2025 - 17:40
    -1

    does any fellow Ozbargainer have any idea if Qantas Point can be converted to Asia Miles / get flight ticket in Cathay?

  • WwDesi on 21/01/2025 - 17:41

    Will airlines tickets be included in the spend $3000 in the first 60 days ?

    • soundboy5010 on 21/01/2025 - 17:43
      +1

      Yes

    • THX on 21/01/2025 - 17:43

      any spend

      • timhn on 21/01/2025 - 18:46
        +1

        Transactions that don’t earn points include: Cash advances, bank charges, balance transfers, buying foreign exchange or travellers cheques, ATO payments, BPAY® payments, transactions where a cardholder uses a card to access linked transaction accounts, and transactions for gambling or gaming purposes.

    • Godric on 21/01/2025 - 18:06
      -1

      Why wouldn't they?

  • jabroni on 21/01/2025 - 17:43

    im starting to think ill have to churn between qantas and velocity in the off months when im waiting for a 18/24 month expiry on a card

    • soundboy5010 on 21/01/2025 - 17:46

      That was me 12 months ago, but Velocity sucks now with Virgin/SQ growing further apart. Best availability with SQ back then, but now we get a pittance of fares. So back to Qantas I go.

      Churning sucks these days, especially with the 'earn X points after 12 months!' that nobody actually claims…

      If you have a small business (I know not everyone does), start churning those Qantas business reward cards along with personal cards. I've found a good balance between both for 24-36 month rotations.

      • Flutterby on 21/01/2025 - 17:49
        -1

        Still got over 1 million points and no idea what to do with them.

        • jabroni on 21/01/2025 - 17:57

          fly first class to disneyland

        • 0FoxGiven on 21/01/2025 - 18:14

          Sell em for cash

        • illusion99 on 21/01/2025 - 18:16
          +3

          Buy a toaster

        • try2bhelpful on 21/01/2025 - 19:02

          Look for Classic points options on Emirates through Qantas points. We did a joint Business/First from Dubai to Sydney. This lets you both use the First Class lounge in Dubai. You need to be flexible on when you travel.

          • Flutterby on 21/01/2025 - 20:10

            @try2bhelpful: "flexible on when you travel" makes it hard. That's why finding the QF points are pretty hopeless. Even domestic tickets are harder to come by these days

            So far being paying for business flights at own expense.

      • gidxg03 on 21/01/2025 - 17:53
        +4

        Virgin have just dropped a load of flights to Doha in business class with Qatar in Q suites (they are saying triple no of award flights). Ive learnt the best point collecting strategy is diversification so collecting Qantas and velocity is a good strategy imo.

        • soundboy5010 on 21/01/2025 - 17:57
          +2

          Personal preferences I guess, not a fan of Qatar's offering and inconsistency across cabins (yes, I know they have the Q Suites guarantee, but that's not useful for non-Q flights in the first place).

          At least SQ has lay flat seats on near all regional, and all international configurations; and a much better trained crew/operations.

      • digitalane on 21/01/2025 - 19:50

        Do you get sign up points if you take a business card from someone you already hold a personal one for? (I know Amex restrict this)

      • OzFrugie on 21/01/2025 - 20:16

        If you have a small business (I know not everyone does), start churning those Qantas business reward cards along with personal cards

        Dont they assess you on your name, not entity, so regardless your business has the card, your name will still be the one used for eligibility criteria?

        • digitalane on 21/01/2025 - 20:41

          Most do. But nothing seems to specifically exclude you from getting it in the terms and conditions.

        • soundboy5010 on 21/01/2025 - 20:51

          Not from what I've found for a few cards. Amex doesn't allow it, but NAB does for instance.

  • ddhar on 21/01/2025 - 17:48

    Great card. Currently have this for the second time and also keeping it until its anniversary (I have spends and travel insurance requirements that this card covers perfectly).

    • gidxg03 on 21/01/2025 - 17:57

      The insurance is actually quite good on this card. International (only need to spend $500 on flights/accom etc to activate) and domestic. Purchase protection (90 days) and extended warranty (only 1 year max though) as well.

      • ddhar on 21/01/2025 - 19:27

        Worth noting the car hire excess cover is very usable too.

  • Miyagi on 21/01/2025 - 17:48

    Is annual fee charged at the start or conclusion of the relevant year?

    • ddhar on 21/01/2025 - 17:50

      Charged on first statement.

      • Miyagi on 21/01/2025 - 17:50

        Thank you sir

    • timhn on 21/01/2025 - 18:50

      Most of them either charge in first statement or as soon as you activated the card.

  • mrshorty on 21/01/2025 - 17:50
    +4

    Premium card with the lower annual fee $195 for 60k points in 1st year
    https://www.nab.com.au/personal/credit-cards/qantas-rewards/…

  • strikerzebra on 21/01/2025 - 17:53

    If you had the nab rewards (non Qantas) within 18 months we are still eligible ?

    • soundboy5010 on 21/01/2025 - 17:58
      +4

      Yes

      Bonus Points are not available if you’ve received a NAB Qantas rewards acquisition bonus points offer in the last 18 months.

  • SnowDragon on 21/01/2025 - 17:58

    Takes forever to get the points with NAB.

    • hmac on 21/01/2025 - 18:04

      Took him nearly a whole additional statement period to credit the points

    • 69dollars on 21/01/2025 - 21:15

      Reached min spend on my first statement and I just received my second statement and still no bonus points. Going to call up tomorrow again to tell them to credit my points (even though it says it could take up to 90 days…)

      • mkowarkski on 21/01/2025 - 21:36

        For me it took about 30-40 days to receive points after I got qualified.
        They have changed their system to issue points after about 1 month

  • Save Medicare on 21/01/2025 - 18:02

    If instantly approved do you get the digital card immediately? Need to spend $5500 to pay for a quiz tomorrow

    • goodfella on 21/01/2025 - 18:02

      Apple/Google pay only unfortunately, will update the post

    • KH234 on 21/01/2025 - 18:49

      Will get approval instantly ?

      • timhn on 21/01/2025 - 18:54

        May be not instantly but at least few hours after submitted application & relevant docs. Very rare cases may be only to whoever have salary into NAB.

  • paultiffen on 21/01/2025 - 18:10

    I just closed a citi prestige card. Does that have any impact with NAB seeing as they took over the citi business?

    • Phesto on 21/01/2025 - 18:14
      +2

      no

  • adrianhughes1998 on 21/01/2025 - 18:23

    Damn hopefully this is the start of points offers getting better again. With Qantas decreasing classic rewards seats then maybe that will happen ..

  • Drakesy on 21/01/2025 - 18:26

    Sorry but this is a pretty poor AF/bonus point ratio.

    ANZ would pip this.

  • Ozfanmel on 21/01/2025 - 18:27

    HI, will get approval instantly or need to submit support documents?

    • timhn on 21/01/2025 - 18:57

      Do you bank with NAB? Never heard an unsecured loan can get approved instantly without any verification by a human.

      You may get ”conditional approval" first.

      • Ozfanmel on 21/01/2025 - 20:17

        i mean conditional approval only.

    • clownyfish on 21/01/2025 - 21:40

      I was approved with no documents within 5 hours of submission. I use NAB for my everyday banking, but not for assets.

  • mahdoo on 21/01/2025 - 18:41
    +5

    $320 for 90k points? How far have we fallen to think this is a good deal?

    Are the QFF cards really just this bad right now?

    Not only is it extremely hard to get classic rewards flights right now, but accruing the points is getting really expensive.. Feels like the end of QFF point churn.

    • theredrabitt on 21/01/2025 - 19:06

      I tend to agree. ANZ Visa card is 90k points for $220 (once $200 refunded) IIRC.

      Agree classic flights rewards are harder than ever to find - but still possible. Recently booked Europe around school holidays - but it took 3 seperate bookings (Finnair excellent availability) and going via HKG rather than SIN and then 2 seperate one-way Qantas flights. And didn't get the exact return dates needed. So yeah, sux

      • localhost on 21/01/2025 - 19:10

        I am not that old, but still remember deals 2-3y back when 90k points card was with 0 fee for first year…

      • mahdoo on 21/01/2025 - 19:31
        +2

        This card used to be 100k points for $195

      • mahdoo on 21/01/2025 - 19:48

        Yeah I managed to get Europe, after days of searching.. But zero flights to London, and very few flights on Qantas. Going frankfurt & Amsterdam with partner airlines.

        Cleared out my points now, so honestly if this is what we're getting right now I think I'll change what I churn for. I'll take a look at velocity..

        • adrianhughes1998 on 21/01/2025 - 20:27

          I've booked flights from Singapore to Frankfurt using velocity. That's my approach, having feet in both camps. Use Qantas for South Africa and Pacific islands, velocity for Europe

    • Nebargains on 21/01/2025 - 21:04

      Yep, wasn't that long ago that there were regular deals where the first year fee was waived.

  • welcomeUniverseWorld on 21/01/2025 - 18:54

    Doesn't your credit report get hit when you churn credit cards?

    • sh4hp on 21/01/2025 - 19:05

      Yup. I think it's 6 months churn cycles to avoid a large hit?

      • Phesto on 21/01/2025 - 19:45

        I did 8 last year, doesn't matter.

    • mahdoo on 21/01/2025 - 19:34
      +1

      Yeah but why does that matter?

      Credit score itself doesn't really matter in AU. Credit history does. The impact credit card churning does to your credit file is negligible

      • sh4hp on 21/01/2025 - 19:59

        Right. My mortgage broker told me otherwise though.

        Like the current bank I am with wanted a really good score or something?

        • mahdoo on 21/01/2025 - 20:02
          +2

          I mean, I'm just a rando smooth brain ape on the internet - so don't take my word for it. But I got my mortgage after 4 years of cycling cards every 3-4 months.

          Can't say I've pushed it as far as Phesto. 8 in a year is a pretty incredible feat.

          • Phesto on 21/01/2025 - 20:26

            @mahdoo: There were some really easy ones like NAB - 1k spend, citibank - easily hit min spend with payall etc.
            I've pretty much run out of decent options now though

    • Phesto on 21/01/2025 - 19:45

      It goes back up when you close the card.

    • Cappa87 on 21/01/2025 - 20:22
      +2

      Hasnt effected mine negatively whatsoever. I have 2 mortgages and am constantly churning cards. First class return to Japan in March, thank you very much.

  • digitalane on 21/01/2025 - 19:48

    Also combined well with the long balance transfer deal they have once you’ve hit the spend (though I think that now attracts a fee)

  • Nyooom on 21/01/2025 - 19:50

    Does anyone know if NAB still refunds you the annual fee for the months you didn't use? I had churned a card from them a couple years ago and they refunded me 10 months worth of fees when I cancelled it after 2 months

    • theredrabitt on 21/01/2025 - 20:42

      My NAB banker tells me no.
      Might be better to go for the NAB Rewards card (monthly $24 charge vs annual fee) - refunded if you spend $5k monthly. Points can convert to Flybuys and others.

  • Durshu on 21/01/2025 - 20:08
    -3

    I've held this card for 20 months, can I just cancel and get a new one to receive the points or do I need to not hold the card for 18 months?

    I did get the 12 month bonus only 8 months ago

    • Suspect420 on 21/01/2025 - 21:44

      I know how you got the Dur in your name

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