Qantas Rewards Signature
The NAB Qantas Rewards Signature carries a $420 annual fee, with no separate rewards programme fee published, with the card fee reduced to $320 in the first year, and advertises a 130,000-point sign-up bonus of which 100,000 is paid on $5,000 of spend within 90 days.
Of the 5 spending patterns published here, 5 clear that minimum-spend hurdle inside the window. 30,000 of the 130,000 is paid at the twelve-month mark. The stated $5,000 in 90 days earns 100,000.
- Annual cost, all in
- $420
- Sign-up bonus, advertised
- 130,000
- Paid on the stated spend
- 100,000
- Minimum spend
- $5,000
- Base earn rate
- 1 / $1
The record
| Field | Value |
|---|---|
| Issuer | NAB |
| Card fee (AUD) | $420 |
| Rewards programme fee (AUD) | The issuer publishes none |
| Annual cost, all in (AUD) | $420 |
| First year, all in (AUD) | $320 |
| First-year terms | Issuer: a reduced $320 card fee is charged when the account is opened and applies for the first twelve months; the standard fee is charged in the thirteenth month. |
| Sign-up bonus, advertised total (points) | 130,000 |
| Paid on the stated minimum spend (points) | 100,000 |
| Deferred to a later instalment (points) | 30,000 |
| How the bonus is paid | Split across instalments — see the note above |
| Bonus currency | Qantas Frequent Flyer |
| Minimum spend for bonus (AUD) | $5,000 |
| Spend window (days) | 90 |
| Earn thresholds | Published ladder held — see the bands below |
| Foreign transaction fee | — |
| Published offer end date | — |
Earn rates by category
| Category | Points / $ | Currency | Cap notes |
|---|---|---|---|
| Everything else | 1 | Qantas Frequent Flyer | Issuer structure to 30 September 2026: 1 Qantas Point per $1 up to $5,000 per statement period, 0.5 from $5,001 to $20,000, nothing above $20,000. |
| Supermarkets | 1 | Qantas Frequent Flyer | Issuer structure to 30 September 2026: 1 Qantas Point per $1 up to $5,000 per statement period, 0.5 from $5,001 to $20,000, nothing above $20,000. |
| Dining out | 1 | Qantas Frequent Flyer | Issuer structure to 30 September 2026: 1 Qantas Point per $1 up to $5,000 per statement period, 0.5 from $5,001 to $20,000, nothing above $20,000. |
| Fuel | 1 | Qantas Frequent Flyer | Issuer structure to 30 September 2026: 1 Qantas Point per $1 up to $5,000 per statement period, 0.5 from $5,001 to $20,000, nothing above $20,000. |
| Utilities & insurers | 1 | Qantas Frequent Flyer | Issuer structure to 30 September 2026: 1 Qantas Point per $1 up to $5,000 per statement period, 0.5 from $5,001 to $20,000, nothing above $20,000. |
| Overseas spend | 1 | Qantas Frequent Flyer | Issuer structure to 30 September 2026: 1 Qantas Point per $1 up to $5,000 per statement period, 0.5 from $5,001 to $20,000, nothing above $20,000. |
| Travel | 1 | Qantas Frequent Flyer | Issuer structure to 30 September 2026: 1 Qantas Point per $1 up to $5,000 per statement period, 0.5 from $5,001 to $20,000, nothing above $20,000. |
What changes on 1 October 2026
Both what this card earns and what it costs move on 1 October 2026, and the issuer has published each of them. Tables above hold what is in force today; the two below hold what replaces them.
| Item | Today | From 1 October 2026 | Move |
|---|---|---|---|
| Card fee (AUD) | $420 | $449 | Rises |
| Rewards programme fee (AUD) | The issuer publishes none | The issuer publishes none | — |
| Annual cost, all in (AUD) | $420 | $449 | Rises |
Issuer states the $449 card fee applies from 1 October 2026 for new applications. No separate rewards programme fee is published on this card.
| Category | Points / $ today | Points / $ from 1 October 2026 | Move |
|---|---|---|---|
| Everything else | 1 | 0.75 | Falls |
| Supermarkets | 1 | 0.75 | Falls |
| Dining out | 1 | 0.75 | Falls |
| Fuel | 1 | 0.75 | Falls |
| Utilities & insurers | 1 | 0.75 | Falls |
| Overseas spend | 1 | 0.75 | Falls |
| Travel | 1 | 0.75 | Falls |
| Spending pattern | Points a month today | Points a month from 1 October 2026 | Change |
|---|---|---|---|
| The Corporate Consultant | 5,700 | 3,100 | -45.6% |
| The Inner-North Couple | 5,400 | 2,950 | -45.4% |
| The Light Spender | 1,900 | 1,425 | -25.0% |
| The Overseas Regular | 4,800 | 3,600 | -25.0% |
| The Suburban Family | 5,950 | 3,225 | -45.8% |
Source: the issuer’s published change notice, collected 5 September 2026.
Where the rate steps down
The rates above are what the first slice of a period earns. Past the threshold the issuer pays less, so a heavy month earns proportionally fewer points than the headline suggests. Every months-to-a-seat figure on this site is computed through these bands.
| Band of eligible spend | Points per dollar | Spend it governs |
|---|---|---|
| First $5,000 | Published category rate | All eligible spend |
| $5,000 to $20,000 | 0.5 / $1 | All eligible spend |
| Above $20,000 | Earns nothing | All eligible spend |
A step-down lowers a rate and never raises one, so a category the issuer excludes outright keeps earning nothing above the threshold as well as below it.
- Issuer: "Earn 1 Qantas Point per $1 up to $5,000 on everyday purchases using your Visa card".
- Issuer: "Earn 0.5 Qantas Points per $1 from $5,001 to $20,000 on everyday purchases using your Visa card".
- The issuer publishes two bands and no third, so eligible spend above $20,000 in a statement period earns nothing. From 1 October 2026 the structure becomes 0.75 per $1 to $3,000 and 0.25 to $15,000 with an additive international rate; that change alters per-category rates and is not yet loaded.
Does the bonus hurdle clear?
A published bonus is only real if the spending gets there. This compares the minimum spend against each pattern over the card’s own window. Clearing the hurdle releases the first instalment; where the advertised total is split, the rest is governed by a separate date rather than by this spend.
| Spending profile | Clears the hurdle? | Monthly points on this pattern |
|---|---|---|
| The Corporate Consultant | Yes | 5,700 |
| The Inner-North Couple | Yes | 5,400 |
| The Light Spender | Yes | 1,900 |
| The Overseas Regular | Yes | 4,800 |
| The Suburban Family | Yes | 5,950 |
Questions these rows answer
- Does the NAB Qantas Rewards Signature charge a rewards programme fee on top of its card fee?
- No such line appears in the issuer's own fee table, so the $420 card fee is the annual charge this site publishes for it.
- Is there a cap or an earn threshold on the NAB Qantas Rewards Signature?
- NAB publishes a threshold rather than a hard cap. Within a statement period, the first $5,000 earns the category rates published above, then $5,000 to $20,000 earns 0.5 points per dollar, then spend above $20,000 earns nothing. Every months-to-a-seat figure on this site is computed through those bands.
- Is the 130,000-point bonus on the NAB Qantas Rewards Signature paid in one go?
- No. $5,000 of spend within 90 days pays 100,000 points; the remaining 30,000 arrive on a separate condition the issuer sets, which is why this site scores the first-year position on the first instalment alone.
- What changes on the NAB Qantas Rewards Signature on 1 October 2026?
- NAB has published a dated change: the annual cost moves from $420 to $449; and everything else goes from 1 to 0.75 points per dollar, supermarkets goes from 1 to 0.75 points per dollar, dining out goes from 1 to 0.75 points per dollar, fuel goes from 1 to 0.75 points per dollar, utilities & insurers goes from 1 to 0.75 points per dollar, overseas spend goes from 1 to 0.75 points per dollar, travel goes from 1 to 0.75 points per dollar. The tables above hold what is in force today and switch over on the day itself, in Melbourne time.
NAB — Australian Credit Licence 230686. See provider for target market determination.
UNTRACKED LINK · NO COMMERCIAL RELATIONSHIP. LIVE TERMS SIT WITH THE ISSUER.
View at issuerSeats this card reaches soonest
- MEL to Auckland, economy4 mo on the Corporate Consultant pattern
- MEL to Denpasar, economy4 mo on the Suburban Family pattern
- MEL to Hong Kong, economy5 mo on the Suburban Family pattern
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Run it on your own spending
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- Where these points transferEvery ratio, dated
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