- 200,000 bonus Qantas points when you spend $4,000 on everyday business purchases within 60 days of account opening
- 0.67 Qantas Points earn rate per $1 spent on everyday business purchases and ATO payments
- Up to 44 interest free days on business purchases
- Multiple cards with individual credit limits under a single account
- Global concierge service from Visa
- Free Qantas Frequent Flyer membership (a saving of $89.50)
- Complimentary unauthorised transaction insurance and transport accident insurance
- Tap and pay your way. Enabled for Apple Pay, Google Pay, Fitbit Pay, Garmin Pay and Samsung Pay
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NAB Credit Cards
NAB Qantas Business Signature Credit Card
Updated 13 November 2024
Receive 200,000 bonus Qantas Points when you spend $4,000 on everyday business purchases within 60 days of account opening. Earn 0.67 Qantas Points per $1 spent on eligible business purchases which can be redeemed for Qantas flights and upgrades, or products from Qantas Store. Enjoy personalised global concierge service and other Visa perks and business extras.
Terms and conditions apply
Points Earn Rate (per $1 spent)
0.67 points
Capped at $50,000 per card per statement period
Rewards Program
Qantas Business Rewards
Bonus Points
200,000 pts
Spend $4,000 within first 60 days
Pros and cons
- Points are capped at $50,000 per card per statement period
- No complimentary overseas travel insurance
Creditcard.com.au review
Editor Review
NAB Qantas Business Signature Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
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The NAB Qantas Business Signature Card with 200,000 bonus Qantas Points
With a whopping 200,000 bonus Qantas Points on offer, the NAB Qantas Business Signature Card has a lot to offer if you're after a business credit card solution. But how does it fare in the long term?
Providing a decent earn rate on the Qantas rewards program, the card could be an ideal everyday rewards card for your business, offering a number of convenient business tools and handy extras, backed by all the support and security you would expect from one of Australia's big banks.
What we love the NAB Qantas Business Signature card
First, let’s take a closer look at that bonus points offer. You'll get 200,000 bonus Qantas Business Reward points when you spend $4,000 on everyday business purchases within 60 days of the account opening.
Qantas Business Rewards is a separate rewards program that earns Qantas Points for small to medium-sized businesses. With Qantas Business Rewards you can access exclusive savings on eligible Qantas flights, Qantas Club memberships, and earn Qantas Points for everyday business expenses such as petrol, insurance, technology, stationery and more.
As an extra bonus, each Frequent Flyer cardholder will get an extra 250 bonus points for every eligible Qantas booking.
You'll earn points on everyday business purchases: 1 Qantas Point for every $1.50 you spend, making it easy to turn your business expenses into rewards. This card also earns points on eligible government payments.
Let's look at some of the perks. With your own personalised global concierge service from Visa, you can take advantage of a number of travel and lifestyle services. These include pre-trip information on major destinations worldwide, assistance with restaurant reservations and event bookings, and cultural, sporting, shopping and tourist information on request.
Visa also provides cardholders with a multitude of special travel and retail privileges, allowing you to save on car rental, access accommodation booking services, receive special offers on VIP airport lounge access and travel assistance programs, and benefit from exclusive discounts and complimentary gift items at duty free retailers and shopping centres.
What’s not so great...
With each of these offers – and the rewards program – comes small print. Take time to check it all out, making sure you are aware of any terms and conditions that may apply to you.
It’s also worth keeping in mind that this is a prestige card offering prestige perks. Weigh up how much you are paying in annual fees and interest against everything the card offers, to ensure the card really is worthwhile.
Why should you choose this card?
One way to check a card’s value is to round up the various features on offer. Luckily, the NAB Qantas Business Signature Card still has a few tricks up its sleeve.
First and foremost, it provides full control over business spending, giving you multiple cards with individual credit limits under a single account, as well as detailed monthly statements per cardholder and one overall summary.
As a cardholder, you can also expect a certain level of support. You can benefit from Visa’s 24/7 global customer assistance, wherever you are in the world, while taking advantage of complimentary unauthorised transaction insurance and transport accident insurance.
You're also backed by NAB Defence’s fraud protection, and online security by Verified by Visa.
Overall Rating
A prestige business rewards card offering plenty of perks and business extras, as well as 200,000 bonus Qantas Business Rewards points as an introductory offer.
User reviews
Rates and fees
Interest rates
Purchase rate 18.50% p.a.
Cash advance rate 21.74% p.a.
Interest free period on purchases up to 44 days
Credit limits
Minimum credit limit $5,000
Maximum credit limit N/A
Fees & repayments
Annual fee $295 p.a.
Additional cardholder fee $295 p.a.
Foreign transaction fee 3%
Minimum repayment 2% or $25 whichever is greater
Cash advance fee 3% or $3 whichever is greater
Late payment fee $15
Rewards and points
Rewards program
Rewards Program
Qantas Business Rewards
Bonus points 200,000 points
Annual points cap 600,000 per card
Bonus points spend criteria Spend $4,000 within first 60 days
Earning points with this card
Rewards points 0.67 points per $1 spent
Points cap per month Capped at $50,000 per card per statement period
Overseas earn rate same as standard earn rate
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance Yes
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Extras
Unauthorised transaction insurance
Enabled for Apple Pay, Google Pay, Fitbit Pay, Garmin Pay and Samsung Pay
Overview
NAB Qantas Business Signature Credit Card
Get 200,000 bonus Qantas points when you spend $4,000 on everyday business purchases within 60 days of account opening. Earn 1 Qantas Point for every $1.50 you spend on eligible business purchases. Annual card fee is $295 and have multiple cards with individual credit limits under a single facility.
Key features
- 200,000 bonus Qantas points when you spend $4,000 on everyday business purchases within 60 days of account opening
- Earn 1 Qantas Point for every $1.50 you spend on eligible business purchases and ATO payments
- Up to 44 interest free days on business purchases
- Points are capped at $50,000 per card per statement period
- $295 annual card fee
- 24/7 Visa concierge service for travel and lifestyle services
- You decide which cardholder is credited with the points
- Multiple cards with individual credit limits under a single facility
- Enabled for Apple Pay, Google Pay, Fitbit Pay, Garmin Pay and Samsung Pay
Minimum criteria to apply for this card
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Be over 18 years old
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Good Credit and have not applied for multiple credit cards recently
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Australian citizen or a permanent resident. Have a valid ABN and your business must be registered for GST.
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Minimum income of $75,000 p.a.
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
Recently Asked Questions
Something you need to know about this card? Ask our credit card expert a question.
Ask a question19 questions (showing the latest 10 Q&As)
What is regarded as an everyday business expense? As an example, petrol or electricity purchase from any retailer or only those that may be nominated on the scheme? Same question for if we purchase some stock for resale from another supplier by this NAB Qantas Signature card. Are any most spends on the card apart from fees and charges etc valid to become Qantas Frequent Flyer points at the stated rate?
Hi Sandra, business expenses on a credit card could include office supplies, utilities, advertising and marketing, professional services like consultations with accountants, equipment such as computers and other necessary tools, transportation expenses etc. For points, ineligible items include cash advances and fees, balance transfers, purchasing travellers cheques or foreign exchange, and gambling transactions. You can see them all in the card’s PDS under Clause 7.
I am not a business man. I am a full time employ. can I sign in a NAB Qantas Business Signature Card
Hi Reji, to be eligible for this card you'll need to have a valid ABN and your business must be registered for GST. The NAB Qantas Signature Credit Card is the consumer equivalent if you'd like to read my review.
Does this card allow bank feeds so transactions will be automatically fed into MYOB?
Hi Matt, NAB doesn't mention anywhere that this card integrates with accounting software. I believe it used to have something to that effect, but not anymore.
When is the fee charged?
Hi Noura, annual fee, interest charges etc are typically included on the first month's statement.
I'm a sole trader hairdresser looking for a business credit card that has the most travel points with the lowest annual fees.
Hi Carolyn! You have a few options to think about. You can use the business credit card comparison guide and click ‘annual fees’ to sort from lowest to highest, then compare the points. It depends on what kind of points you’re after - for travel, you can choose from Qantas, Velocity or Amex, or you can use bank rewards programs like NAB and convert your points to Qantas or Velocity (not all do, so check the points program first). Business cards often come with software that makes tax-time easier, but if you think you don’t need those extras you could also compare personal credit cards that earn frequent flyer points. Again, sort by annual fee and see how the points and bonus points stack up. I hope that helps Carolyn! All the best with your business.
How long does the application process take before you receive your card?
Hi Lisa, usually the application process takes 7-10 business days to complete.
Is there a minimum time you have to keep this card active and if you pay it off sooner and close the card in under 12 months is it still the $295 annual fee?
Hi Lisa, the annual fee is actually charged to your account in the first month and usually reflects on your first statement, then around the same time each year. If want to avoid paying the annual fee the following year, you’ll need to pay the card off completely and cancel it before the anniversary of the next fee. You won’t receive any reimbursement for the annual fee you’ve paid if you cancel the card early. Hope that helps Lisa!
Looking at this card for business purchases, business and personal flights, overseas expenditures, can we use in the USA ?
What is the points per $1 spent is Aust ?
and do we get points in USA ?
Points for ATO payments?
Hi Michelle, the NAB Qantas Business Signature card earns 1 Qantas point per $1.50 on regular business spending, and you’ll earn that same rate on payments to the ATO (but not other government bills like rates). You can earn points on overseas transactions, that are calculated “on the Australian dollar amount of Net Purchases appearing on the Monthly Card Statement at the end of the Card Statement Period”, the NAB PDS says. Hope that helps!
If we have a card for each business partner(2),
do we choose where the points are distributed to?
Hi Darren, thanks for your question! The points earned can be transferred to any Qantas Frequent Flyer member that you nominate in your NAB account. If you’re not a member of Qantas you can sign up as part of the application process.
I'm an existing NAB business credit card holder and have set up a totally new business in addition as a unit trust structure. Are we apply to apply for this card if its a corporate trustee /unit trust structure?
Hi Steven, you can apply for the NAB Qantas Business Signature card as long as you're a sole trader, a partnership with up to two partners, a company with up to five directors, or a trustee of an eligible trust. You must also have 12 months of reconciled business financial data from your accounting package. As well as be registered for GST, turnover of at least $75K per year, and operated under your current registered ABN/ACN for more than 12 months. You can contact NAB directly at 13 10 12 to discuss your specific concerns around eligibility.
I want to know if I'm eligible for bonus points on a NAB Qantas Business Signature.
To be eligible for the 100,000 bonus Qantas Points offer, you must apply for a new NAB Qantas Business Signature Card before the offer is withdrawn, be approved and spend $4,000 on everyday business purchases within 60 days of account opening. Everyday business purchases are purchases made in accordance with the NAB Qantas Commercial Card Rewards Conditions (PDF, 326KB). These terms describe the purchases not eligible to earn points including, but not limited to, transactions NAB decides are wholly or partly for gambling or gaming purposes. Bonus points will be credited to the qualifying member’s account within three months of meeting the spend criteria.
Hi Roland,
I just submitted 2 questions but thought of another!
Our bookkeeper requires our statements to run from 4th of each month to ensure by the end of the month everything is included due to some payments having a slight delay. Can we request statements for this billing period please?
Many thanks
Claire
Hi Claire, statement periods will be set by NAB. They will relate to when your card is approved. I do not believe you have control of this. Though with the feeds transactions should automatically come in.
Hi Roland,
2 questions:
1 - we need to change our current business credit card to one which links via direct bank feed to Xero, is this an option with this card please?
2 - we are keen to switch over from our current credit card due to the above issue, how soon could we expect to set up with yourselves if we are approved please?
Many thanks
Claire
Hi Claire, yes NAB cards integrate with Xero. https://www.xero.com/au/partnerships/nab/. It should take around 5-10 business days.
Hi how long is a statement period is monthly or quarterly in reference to points cap per statement period
Hi Sam, the statement period this is monthly
Is it really going to cost me $295 per card?
Hi Kristy, it doesn't make sense but yes. So this card is not focused for businesses that need a decent number of cards. Have a look at the American Express Qantas Business with up to 99 additional cardholders at no extra cost. Plus heaps more points earning.
Can i use this card for business utilities such as rent, electricity, water etc to claim reward points? I believe Amex doesnt allow utilities expense for points.
Hi Mitul, here are the terms - https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/nab-rewards-terms-and-conditions.pdf. Checking what transactions don’t earn Points? There are some transactions which can be made using your Card which won’t earn Points because they aren’t eligible. They are: (a) cash advances (which include bills paid over the
counter at a bank, financial institution or post office, and the purchase of travellers cheques); (b) bank fees, charges and interest (including any GST payable on any of these) applicable to your Rewards Card Account or use of the Card or to NAB Rewards;
(c) Government fees and charges, which includes transactions where the Card is used to make payments to the Australian Taxation Office (ATO); (d) balance transfers, except where Bonus Points may be earned under a special promotion specifically for balance transfers; (e) where a Card is used to access linked transaction accounts; (f) purchase of foreign exchange or travellers cheques and money orders; (g) for a Personal Rewards Card Account, transactions we decide are wholly or partly for business purposes;
(h) unauthorised purchases for which you are not liable; and (i) transactions for gambling and gaming purposes (examples include purchase of lottery tickets purchases of gaming chips or tokens and online gambling).
I already have a personal credit card linked with my Qantas rewards. If I apply for the NAB business card, can I still use the same Qantas rewards program?
Thanks,
Hi Diego, good question. It does not matter that you have a personal card linked to your Qantas account. You could have a number of different cards linked to the same Qantas Frequent Flyer account. So it should not be a problem for the business card as well.
How much points I can get if pay $1 to ATO?
Hi Katy, NAB cards earn no points on ATO spent. I found this PDF. https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/nab-rewards-terms-and-conditions.pdf. It states that you do not earn points on i) transactions where the card is used to make
payments to the Australian Taxation Office (ATO) (including related fees and charges);
I am able to pay my company tax by my NAB business card
Hi Mohamad, I have gone through a PDF with the terms for the NAB Qantas Business Signature. It does not state that you do not earn points on paying with the ATO. https://www.qantas.com/au/en/frequent-flyer/discover-and-join/terms-and-conditions.html#earning-qantas-points. Though I cannot find anywhere that you do. I would contact NAB credit card customer service and confirm with them to make sure.
Harish Garg
24 February 2022Very good card with lots of benefits And great team at NAB, for me it\'s 5 star bank
Recommends this card