• long running

NAB Qantas Rewards Signature Card: 90k QFF Pts (New Customer) / 100k Pts (Existing) - $5000 Spend in 90 Days, $420/$320 Ann. Fee

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NAB Qantas Rewards Signature Card: 90k QFF Pts (New Customer) / 100k Pts (Existing) - $5000 Spend in 90 Days, $420/$320 Ann. Fee
Go to Deal
Twilight1234 on 12/03/2025 - 13:54 nab.com.au (1524 clicks)
Last edited 12/03/2025 - 14:32 by 1 other user

I was halfway through applying this card but got an error - when I refreshed the page the offer changed - looks like I was applying mid-refresh! Credit to goodfella as I cloned their post with updates.

This is another iteration of previous deals from 2025, 2023 and 2022.

Looks like it's a clear direction to push you to sign up. Use in conjunction to this if you are a first time churner.

New customers:

  • 90,000 bonus Qantas points when you spend $5,000 on everyday purchases within the first 90 days of account opening and 30,000 bonus Qantas points when you keep your card for over 12 months.
  • Annual fee of $420

Existing customers:

  • 100,000 bonus Qantas points when you spend $5,000 on everyday purchases within the first 90 days of account opening and 30,000 bonus Qantas points when you keep your card for over 12 months.
  • $100 reduction in annual card fee for the life of the card (currently $420 to $320).

Additional info:

  • 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.
  • 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

  • Jklaro on 12/03/2025 - 14:01
    +3

    Can we become a customer first then apply for the card.

    • Bonbi on 12/03/2025 - 14:12

      Yes

  • maxo84 on 12/03/2025 - 14:12
    +17

    Bizarro world - better deal for existing customers!

  • cheetah21 on 12/03/2025 - 14:15
    -2

    No lounge invite is a minus to me.

    • nightelves on 12/03/2025 - 14:19
      +4

      Happy to give you some lounge pass in exchange for the 100k Qantas points if you like.

      • cheetah21 on 12/03/2025 - 14:35
        -4

        Wrong calculation. There are many options outside coming with lounge invite plus generous bonus points.

        • nightelves on 12/03/2025 - 14:59
          +2

          I think my offer is fair. You wanted lounge passes, I wanted the points. Win-win.

    • digitalbath on 12/03/2025 - 17:11

      Use this to get to points club plus and have unlimited qantas passes.

      • Bidet Mate on 13/03/2025 - 09:00

        wouldn't you need to spend $150k on it to achieve this??

        • digitalbath on 13/03/2025 - 10:37

          Spend $150k on what?
          If you can accumulate 350k points in your membership year you get free qantas club for the remainder of your current year, and the next.

          • Bidet Mate on 13/03/2025 - 12:49

            @digitalbath: How can you do that without spending hundreds of thousands of $'s?

            • digitalbath on 13/03/2025 - 12:59

              @Bidet Mate: $5k in 90 days is easy. Just pay for everything with the card. All daily expenses. Pay for friends meals, get them to pay you back. Everything goes on the card. It’s money you would normally spend. So you’re essentially only paying the yearly fee for the points.

              • Bidet Mate on 13/03/2025 - 14:55

                @digitalbath: sure but that only gets you 90k points. You need 350k points to unlock points club plus…

                • digitalbath on 13/03/2025 - 15:33

                  @Bidet Mate: I can’t help you anymore.

                  • Bidet Mate on 13/03/2025 - 16:44

                    @digitalbath: I'm not sure you can help yourself?

                    I have this card, I earn 150k points through flights a year by flying 4 times a week interstate, I also got the card points bonus. It's not enough to unlock points club plus even if you get the 90k bonus, unless you somehow fly like 8 times per week haha.
                    You specifically talked about the 5k unlock (which only gets you 90k points).

                    Let me know when you get points club plus using just the card bonus lol

                    • ol mate on 14/03/2025 - 07:50

                      @Bidet Mate: It’s doable. I did it with around $15k spend in 2023, as did a mate of mine. Just apply some critical thinking about how to get points with credit cards.

                      • timhn on 14/03/2025 - 10:07
                        +1

                        @ol mate: The points earning rate of this card only 0.5 points for each $ after $5000 spent. Unless you spent a lot on Qantas flight, I don't see how can you get ~50,000 points from spent of $10K (assuming you already spent $5K to get 100K bonus points first).

                        • Bidet Mate on 14/03/2025 - 11:20

                          @timhn: Thank god. I was genuinely thinking I was missing something.

                      • Bidet Mate on 14/03/2025 - 11:19

                        @ol mate: We're like 8 comments deep now and you're still being vague like digitalbath instead of just answering the question.

                        How can you unlock points club plus with just the 90k card bonus? It's impossible.

                        Saying "apply some critical thinking" is just a wank off. If you're talking about churning even more cards for bonuses then you're not addressing the original point about easily unlocking points club plus with just this card. Not to mention that card churning now requires way more card fees, so defeats the point for unlocking a points club plus for a lounge pass…

                        • timhn on 14/03/2025 - 12:19
                          +1

                          @Bidet Mate: unless, of course, we can get 150K QFF points from 3 signup bonus from 3 CCs - eg NAB, ANZ, StG or Westpac, Citibank etc, can easily spent <= $15K to get that.

                        • digitalbath on 14/03/2025 - 15:58
                          +1

                          @Bidet Mate: It’s really not that difficult. If this card gives you 90k+……
                          And the next card give you xxx amount, and the next card…………….
                          I got to points club+ last year with 2 CC sign ups, some Amex extra card bonuses, some wine and a few flights.

                          And I regards to spending money to earn the points.
                          I have only ever spent what I would have already spent on my normal weekly shops, fuel, phone bill etc.

                          • Bidet Mate on 14/03/2025 - 18:40

                            @digitalbath: Ok so some napkin maths…
                            This card gets you 90k points with a card fee of $420.
                            Assuming all the cards you churn are similar ratio that means it cost you ~$1,600 to get those 'free' lounge passes.

                            Nice work!

                            • digitalbath on 14/03/2025 - 19:05

                              @Bidet Mate: It’s not about the “free lounge passes” they are just a bonus. You obviously don’t understand the reason people sign up for the credit cards.

                              Nice work!

  • averycarson on 12/03/2025 - 14:24
    -1

    If i use this credit card to Remit money, will it count as spending $5k for purpose of getting points?

    • Twilight1234 on 12/03/2025 - 14:26

      it will but how to do you remit money with a credit card?

      • averycarson on 12/03/2025 - 17:48

        It shows that option in sites like western union or Ria.. so was wondering

    • nanite on 12/03/2025 - 14:26
      +6

      Pretty sure that'll count as a cash advance.
      So no points for tha transaction, but an exorbitant interest rate.

  • chino8826 on 12/03/2025 - 14:30
    +4

    I guess it also works with Bonus 20,000 Pts ?

  • Crowing on 12/03/2025 - 14:38
    +5

    Decent offer, however, seems like Westpac Qantas altitude black’s offer is slightly better for those that haven’t churned this one already.

    90k points with $6k spend in 120 days with $150 first year fee for existing customers. Note Westpac has a 24 month exclusion period for bonus points.

    https://www.ozbargain.com.au/node/888307

    • cocomelon on 12/03/2025 - 16:09
      +4
      • Qantas fee $75 so total is $225
    • solacens on 12/03/2025 - 20:36

      Got that recently and fulfill the terms. Any idea how long will Westpac take to pay for the points?

      • Crowing on 13/03/2025 - 15:19
        +1

        Usually the statement in which you hit the minimum spend requirement

        • solacens on 13/03/2025 - 15:50

          Thanks mate

  • inusure on 12/03/2025 - 15:10
    +1

    I have to ask this silly question: Why qantas and velocity points are better than rewards points?
    I thought with reward points, we can get giftcard, cash back, but with qantas, we can only redeem fly?

    Can someone enlight me on this?
    thank you

    • No Child Support on 12/03/2025 - 15:26
      +2

      Conversion rate is more favourable with frequent flyer points when used on flights (best used for upgrading flights). Rewards points for other purchases

  • flud on 12/03/2025 - 15:11

    +1 because rewarding existing customers + have had the smoothest application processes with NAB so far

  • CodeXD on 12/03/2025 - 15:50
    +3

    Was so much better when it was $3k in 60 days, then you can close it quicker to start the cooldown.

    • vawiyoci on 12/03/2025 - 17:31

      Was so much better when it was $3k

      Believe that was still the case like even just a week ago when I helped a relative apply for this card. Though the bonus point was 10k less for existing customers.

      • digitalbath on 13/03/2025 - 10:38

        Everything is better when it’s cheaper or requirements are less.

        • vawiyoci on 13/03/2025 - 10:40

          I only meant that it's a very recent change haha.

  • Unacceptable on 12/03/2025 - 16:00
    -1

    No pro rata annual fee refund if you keep the card less than 12 months. Wish I knew this before I cancel the card less than 2 months keeping.

    • vawiyoci on 12/03/2025 - 17:29

      keep the card less than 12 months

      Do you mean they told you they would refund the whole fee if you stayed that long or only after you've also paid the 2nd year's fee first as well?

  • Drakesy on 12/03/2025 - 16:07
    +8

    these trash AF's need to die.

    • vawiyoci on 12/03/2025 - 17:28

      They should simply do what they've already done with their non-Qantas rewards card - monthly fees instead of annual.

    • RTX9090Ti on 13/03/2025 - 09:41
      -1

      $320 for 100k points is not too bad, FREE is better but still not that bad.

      • Drakesy on 13/03/2025 - 10:13
        +1

        …
        Sorry its pretty bad

        • RTX9090Ti on 13/03/2025 - 12:13

          what's the fair value AF you reckon now? free is no longer on the table.

          • Drakesy on 13/03/2025 - 12:42

            @RTX9090Ti: Around $150-$200 is about par for 90k points.

            Any less and you're doing well.

            • RTX9090Ti on 13/03/2025 - 14:30

              @Drakesy: Oh well, I applied anyway, have churned westpac, st george, anz qantas ff CCs, not many left on offer.
              have to wait another 1-2 years before the next churn cycle.

    • vetopower on 13/03/2025 - 11:35
      +1

      They're only going in one direction, and that's higher.

  • cryptos on 12/03/2025 - 17:29

    Can anyone see if there is an exclusion period for points?

  • James1990 on 12/03/2025 - 18:03
    -1

    Seen everyday on facebook of their adz for 200,000 QFF points ? Why is that not a better deal?

    • Polt on 12/03/2025 - 19:38
      +1

      I think that's only their business rewards card though

      • James1990 on 13/03/2025 - 18:30

        Thanks for clarifying

  • solacens on 12/03/2025 - 20:34
    -1

    Hmmm used to be $3,000 in 60 days a few weeks back.

    • RTX9090Ti on 13/03/2025 - 09:42
      +1

      With greedflation is easy to score $5k spend in 60 days, 90 days still plenty of time.

  • afayd on 12/03/2025 - 20:47

    What's the churn period for this?
    A: 18 months.

    • b0b0 on 13/03/2025 - 00:04

      The cut off point seems to be 18 months from your previous acquisition of bonus points from NAB (instead of 18 months from the time you last held the card which is more common)

      Thought this might be useful for some. For me I closed my last NAB card 16 months back but think actually received the bonus points about 18 months back, so I should be eligible again.

      Which also means anyone who is currently holding this card but got the bonus points more than 18 months back can cancel, re-apply, and still qualify for the bonus again?

      • clownyfish on 13/03/2025 - 09:46

        Would be very keen to hear how you go with this. Their exact wording is

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

        which seems vague. And if it really means "since you received any lump sum bonus points", does that include the second year bonus?

        • b0b0 on 13/03/2025 - 19:21

          I would think so, 18 months from the last acquisition of bonus which includes the second round of (smaller) bonus

  • clubhonda on 13/03/2025 - 00:23
    +2

    I don't know which state you're in, but I won't use the Qantas lounge even if it's free in Melbourne. Tired and chipped plates, disgusting sandwich presses which, incidentally, seems to be the only hot food they serve, plus tired, tired furniture. They are miles below the Emirates or Premium lounge, even the Mahabra is better than them.

  • astroman on 13/03/2025 - 05:12

    New to CC churning and have this card as my first. I signed up mid March and was approved on 18/02/25. So far it's all been smooth which has been great.
    When I signed up the deal was to get 90k Qantas points you'd spend $3,000 in 60 days. However, now it says you have to spend $5,000 in 90 days.
    Just wondering what would apply to my case, I'm not a huge spender but got the CC around a period where I have necessary big expenses, car rego, insurance, etc, so don't want to spend necessarily to reach $5k. I shall give NAB a call but am wondering if anyone knows here.

    • timhn on 13/03/2025 - 07:31

      Did you take screenshot of the application?

      signed up mid March and was approved on 18/02/25

      How was that even possible? 🤣

      • astroman on 13/03/2025 - 08:10

        Up to early haha, meant mid Feb!

  • lawyerz on 13/03/2025 - 07:28

    I just closed this. I didn't see any exclusion period?

    • timhn on 13/03/2025 - 07:32

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

      • lawyerz on 13/03/2025 - 07:33

        There it is. Thanks.

  • overbyte on 13/03/2025 - 08:47

    When you get the card, make sure to call up NAB and have them double check they actually have your QFF number linked to the card before you start spending. My first statement showed zero points despite putting my QFF number into the application form and they've fixed it by the next monthly statement.

    Have this card since January, my bonus points arrived on the statement day even if the email said it was going to be a month out.

    • Shekster on 13/03/2025 - 09:35
      +1

      It's most likely that you confused the statement they sent after 2 weeks as your "first statement". That statement will always have 0 qff points as they're not credited until after your actual first month statement (which is sent after your first month).

      It's quite a common misconception that has been discussed on forums plenty of times before, but unfortunately NAB don't really explain this very well at all.

      I also received 0 points on my "first" fortnightly statement, however all points were credited normally by the time my actual first month's statement arrived.

      • overbyte on 13/03/2025 - 09:47

        NAB themselves confirmed to me that my card wasn't linked to QFF even after having complete details on the application form and they fixed it on the spot during the call.

        • timhn on 13/03/2025 - 10:57

          Agreed that there were many incidents (me and my partner included) reported here in the past with NAB applications somehow didn't save the QFF number even we had put in the application.

  • hypnOtixx on 13/03/2025 - 09:56

    This used to be $3K spend!

  • offthetap on 13/03/2025 - 10:44

    i got this 10 days ago and its 3k spend in 60 days for me, must have just changed it

    • vawiyoci on 13/03/2025 - 10:50

      Would you rather the $2k less spend requirement or the extra 10k points lol?

  • offthetap on 13/03/2025 - 11:36

    2k less spend, 3k in 60 days was already a stretch

  • nenadb on 14/03/2025 - 19:10

    Damn was just approved the 90k $3000 spend on Monday. 100k would have been sweeter

    • Borgasm on 14/03/2025 - 23:18

      Would you mind sharing (via here or dm) roughly your income and expenses that you put on your application so I know whether it's worth me applying? I was denied the Westpac Altitude black and not sure if I should bother trying this one.

  • VincentQQ on 15/03/2025 - 12:43

    I am paying $395 nab choice package (part of mortgage), and got a free platinum credit card.
    If I get this card, what will happen to my points and annual fee?

  • cyruslol on 16/03/2025 - 22:49

    why no 2 free lounge passes like ANZ/BOM?

  • Borgasm on 17/03/2025 - 21:08

    I was denied Westpac Altitude Black just over a month ago and applied for this one as was approved within a day 👌

  • SnoopX on 25/03/2025 - 04:02

    BoQ has a card with $100k points and 2 points for every dollar spent and only $149 per year in fees.

    https://www.boq.com.au/personal/credit-cards/platinum-reward…

    • stoodamire on 25/03/2025 - 07:44
      +1

      Q rewards are different to Qantas Point.

      • SnoopX on 25/03/2025 - 11:18

        Thanks mate! You can use them for Virgin and Flybuys but not Qantas! Cheers.

    • timhn on 25/03/2025 - 08:03

      How much value I can get out of 100K Q points? Velocity points or gift cards?

  • nunuig on 26/03/2025 - 12:03

    Hey just wondering if anyone knows this.

    i previously applied for a NAB rewards (not the qantas one) card in early 2024 and have received bonus points after meeting their criteria and closed the card in april 24

    would i be eligible to receive bonus points for the NAB qantas awards card?

    thanks!

    • vawiyoci on 26/03/2025 - 12:55

      Yeah their rewards program are on separate exclusion periods to the frequent flyer one similar to ANZ, unlike Westpac or STG.

      • nunuig on 26/03/2025 - 17:22

        So say If I apply the NAB qantas card now I should be able to receive the bonus points arrangement ?

        • vawiyoci on 26/03/2025 - 18:16

          Yeah have done it multiple times over the years and received both sets of points while inside each other's exclusion periods.

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