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NAB Qantas Rewards Signature Card: 100,000 Qantas Points ($3000 Spend in 60 Days), $195 1st Year Annual Fee @ The Champagne Mile

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NAB Qantas Rewards Signature Card: 100,000 Qantas Points ($3000 Spend in 60 Days), $195 1st Year Annual Fee @ The Champagne Mile
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AssociatedThe Champagne Mile on 08/02/2022 - 12:35 thechampagnemile.com.au (8100 clicks)
Last edited 08/02/2022 - 13:36 by 1 other user

Get up to 125,000 Qantas Points on a new NAB Qantas Rewards Signature Card when you spend $3k in the 1st 60 days and keep your card open for over 12 months. Plus, enjoy a first-year reduced annual card fee of $195 (save $200). Eligibility criteria and T&Cs apply.

This offer is exclusive to The Champagne Mile and it ends 9 March 2022. Visit The Champagne Mile to learn more.

How the points are delivered:
Points will be awarded on a tiered basis - 100,000 bonus Qantas Points will be awarded when you spend $3,000 on everyday purchases in the first 60 days. Bonus Qantas Points will be credited to your points balance within 3 months of meeting the spend criteria, and a further 25,000 bonus Qantas Points when you keep your card open for over 12 months, credited to your points balance within the 13th month.

Other Card benefits

  • NAB’s highest Qantas Points earn rate
  • Six complimentary insurances
  • Access to NAB Concierge and Visa Premium benefits

Eligibility Information
This bonus Qantas Points offer is not available to existing customers who have received or are entitled to receive NAB Qantas Rewards bonus Points for a new personal NAB Qantas Rewards credit card in the twelve months prior to the opening of a NAB Qantas Rewards Signature Card, NAB Qantas Rewards Premium Card or NAB Qantas Rewards Card account.

Annual fee
* $195 in the first year (a saving of $200)
* $395 from the second year

This exclusive offer is only available through The Champagne Mile, you won't find it anywhere else. Visit The Champagne Mile to learn more.

NAB have asked us to include the following T&Cs

Important information:
*Offer commences 7 February 2022. The 125,000 bonus Qantas Points offer is only available to members who apply for a new NAB Qantas Rewards Signature Card by 9 March 2022. To be eligible for the offer, you must apply for a new personal NAB Qantas Rewards Signature Card before the offer is withdrawn, be approved, and spend $3,000 on everyday purchases within 60 days of opening your account and keep your account open for 12 months. Points will be awarded on a tiered basis - 100,000 bonus Qantas Points will be awarded when you spend $3,000 on everyday purchases in the first 60 days. Bonus Qantas Points will be credited to your points balance within 3 months of meeting the spend criteria, and 25,000 bonus Qantas Points after 12 months, credited to your points balance within the 13th month. Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes. Offer is not available when closing/transferring from another NAB credit card account or in conjunction with any other NAB card offer. This bonus Qantas Points offer is not available to existing customers who have received or are entitled to receive NAB Qantas Rewards bonus Points for a new personal NAB Qantas Rewards credit card in the twelve months prior to the opening of a NAB Qantas Rewards Signature Card, NAB Qantas Rewards Premium Card or NAB Qantas Rewards Card account. This advertised offer of bonus points is not applicable or valid in conjunction with any other advertised or promotional offer.

1 The reduced annual card fee of $195 will be charged at the time of card opening and applies for the first 12 months. You will be charged the standard annual card fee (currently $395) in the 13th month of your card account being open.

2 AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to National Australia Bank Limited. This insurance is underwritten by Allianz. NAB is not the product issuer or insurer and neither it nor any of its related bodies corporate guarantee any of the benefits under this cover. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Card Insurance Policy Information Booklet dated 31 March 2021 which may be amended from time to time.

3 This service is provided by Visa Worldwide Pte Ltd or International SOS (Australasia) Pty Ltd. See the NAB Concierge Service terms and conditions for full details.

Credit Card Terms and conditions and Target Market Determination available here. Fees and charges are payable. Approval and credit limit is subject to NAB's credit assessment criteria. Information, including interest rates and annual card fees subject to change. Correct as at 26 April 2021 and subject to change. Credit cards issued by National Australia Bank Limited. ©2022 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686

Financial Credit Card Frequent Flyer Qantas Frequent Flyer Reward Points

Related Stores

The Champagne Mile
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closed Comments

    • ddhar on 08/02/2022 - 15:22
      +1

      It really depends on what you plan to redeem the points on. You normally get the best value from Business or First class redemption though you also need a LOT of points for those.

  • fishwallet on 08/02/2022 - 13:55

    Probably a dumb question, but I get cash out regularly from the supermarkets, would cash out count towards my $3k minimum spend?

    • MrThing on 08/02/2022 - 13:56
      +2

      Nope, cash advance never goes towards minimum spend limits

      • fishwallet on 08/02/2022 - 13:59

        Ah bummer! Thanks nevertheless!

  • mtriegaardt on 08/02/2022 - 13:57

    Can I spend 3k once off eg deposit on new car or Uni fees to qualify. I am Confused when they say you spend $3,000 on everyday purchases?

    • MrThing on 08/02/2022 - 14:00
      +1

      yes, a great way to smash out the 3k in 1 hit are those two you just suggested

      I used to split my uni fees since most courses were $4500 bux. i would split spend $3000 on one card, then the balance on another.

      • SnowDragon on 08/02/2022 - 15:57

        Wow and here I was trying to think of things I don't need.

        $3k into HECS for quick 100k points is very much worth it.

        • MrThing on 08/02/2022 - 18:07
          +2

          putting your fees into HECs is a better idea than paying it off in a lump hit, since the interest rate is peanuts and you dont have to worry about it until at best when you finish uni.

          But it could be better to just pay the fees if your already in the workforce and your income means you'll end up paying it back at the max rate anyway.

          dyor

          • eastmeetswests on 08/02/2022 - 18:49

            @MrThing: Does paying HECS with credit card count as minimum spend though?

            • MrThing on 08/02/2022 - 19:23

              @eastmeetswests: well officially hecs is paid off via your payg tax

            • ol mate on 08/02/2022 - 22:29

              @eastmeetswests: Technically, no as paying the ATO (who hold the HECS debt) is a government transaction.

              However, if you Bpay it via Beemit, it isn't a government transaction (as it shows the merchant as BeemIt and not the ATO)

              • gromit on 08/02/2022 - 22:47
                +1

                @ol mate: I have seen on other forums that some of the card providers have caught onto that trick and it is treated as a gov transaction even via beemit.

          • Tnetennba on 08/02/2022 - 23:23

            @MrThing:

            But it could be better to just pay the fees if your already in the workforce and your income means you'll end up paying it back at the max rate anyway.

            I still don't think this is true at the moment. The HECS indexation rate was 0.6% last year and will probably remain very low again this year.

            You are better off paying HECS as slowly as possible (obviously at a certain income you will still pay 10% extra PAYG tax) but there is no reason to pay it off early IMO. It is one of the cheapest loans you'll ever get and almost any investment will beat 0.6%…

            In fact if you're on the highest repayment income, you'll probably* pay off a HECS debt in a couple of years, so it is unlikely that any rising interest rates would come back to bite you anyway.

            (* assuming 30k balance)

            • MrThing on 09/02/2022 - 06:01

              @Tnetennba: my experience was when I was doing part time post grad study, only 2 subjects a year. my income meant over the course of the 12month period I essentially paid off the course but in 12 payments as opposed to 2 lumps.

              of course that wasn't hecs, it was fee help

    • magic8ballgag on 08/02/2022 - 14:08
      +1

      I'm pretty sure everyday purchases means EFTPOS or online transactions.

  • ozbargainerlife1 on 08/02/2022 - 13:58
    -1

    110k bonus points through here
    https://www.nab.com.au/personal/credit-cards/offers/qantas-s…

    • Drakesy on 08/02/2022 - 14:01
      +1

      Split differently though 90k + 20k on second year

    • MrThing on 08/02/2022 - 14:02
      +1

      90k and 20k

      instead of 100k and 25k

    • Bangers on 08/02/2022 - 14:03
      +4

      Only 90k points (+20k if held >12 months) + $295 annual fee in 1st year

      This one is 100k points (+25k if held >12 months) + $195 annual fee in 1st year

      • MrThing on 08/02/2022 - 14:11

        if your churning with NAB, the annual fee isn't important since its pro-rata anyway. most people should have cancelled by month 2 anyway

        • nightelves on 08/02/2022 - 14:46

          I was able to get the points and cancel under one month making the card free. Best 125k points I ever got.

          • gromit on 08/02/2022 - 22:50
            +2

            @nightelves: How did you manage to get 125k points? Only 100k are supposed to be credited up front. Other 25k is on the one year mark?

  • Drakesy on 08/02/2022 - 14:00
    +3

    Is 60 days the new 90

    • ol mate on 08/02/2022 - 14:04

      I believe it has been 60 with NAB for a while (when I got this last in September, it was 60 days).

      • Icyraindrops on 08/02/2022 - 17:25

        Interesting, I had 90 days Feb last year to spend the $3k

  • 1000101 on 08/02/2022 - 14:12

    Doe any know how long you have to wait from being rejected from a credit card application? ANZ

    • MrThing on 08/02/2022 - 14:17
      +2

      no time, but more the credit applications and rejections will negatively impact your credit file

      the time between them whether it be 7 days or 1 month wont make a difference. It would make a difference if you didnt apply for another card for an extended period

  • shppngtrlly com au on 08/02/2022 - 14:19
    +34

    Taking only the first year 100,000 points:

    Value of the points for flights
    Domestic
    SYD to MEL (Economy): 6 return trips.
    SYD to MEL (Business): 2 return trips + 1 one way trip with 11,000 points remaining.

    International
    SYD to London (Economy): 1 one way trip + 47,800 points remaining. (If you spend another $7,400 on the card, you can add another one way trip, zeroing out your point balance for this card)
    SYD to London (Business): 71% of 1 one way trip
    SYD to Singapore (Economy): 2 return trips
    SYD to Singapore (Business): 1 one way trip

    Round the World
    77% of an economy round the world trip
    32% of a business round the world trip.

    Value of the points for Gift Cards
    $280 of profit after meeting spend requirements
    + $475 Woolworths gift cards
    - $195 annual fee

    $250 x 1, $100 x 2, $25 x 1
    in Woolworths gift cards, $475 total, with 4,570 points remaining.

    • Chinaforever on 08/02/2022 - 14:35

      Great info!

    • nightelves on 08/02/2022 - 14:47

      The flight redemption would be awesome as well when Qantas have their 30% off awards flight.

    • watwatwat on 08/02/2022 - 15:56
      +5

      You are a gentleman and a scholar.

    • asc on 10/02/2022 - 19:33

      when you redeem points for flights, don't you have to fork out money for taxes or do the points also cover any taxes?

  • Bangers on 08/02/2022 - 14:25
    +1

    Does anyone know if things like car insurance, health insurance, pet insurance etc are considered everyday purchases (eligible spends)?

    • odysseus on 08/02/2022 - 16:31
      +2

      Yes, they should be fine.

  • jalalii on 08/02/2022 - 14:26

    Does anyone know if the ANZ card also works on pro rata refund? https://www.pointhacks.com.au/credit-cards/anz-frequent-flye…

    • MrThing on 08/02/2022 - 18:09
      +3

      No, NAB are the only card ive ever churned who pro-rata your annual fee

    • tightdesibanda on 09/02/2022 - 13:56

      I have managed to get it from ANZ in the past

      • arcticmonkey on 09/02/2022 - 22:21

        They said no to me yesterday when I churned

        • tightdesibanda on 10/02/2022 - 00:07

          Strange.. I specifically asked for a pro rata refund and that's what they gave me 🤷🏽‍♂️

          • arcticmonkey on 10/02/2022 - 07:53

            @tightdesibanda: Damn, the Indian sounding lady I spoke to said they don't do that.

            Maybe it depends on who you speak to.

  • timhn on 08/02/2022 - 14:32
    +4

    After done with the similar deal from last year, i found NAB is very good at process applications, quick to payout. The refund of the annual fee is awesome - didn't even have to ask.

    Make sure you ring up (after activate the CC) to check if your QF number is attached to your account. Call the number behind the card for get on the priority queue.

    • CheetoJesus on 24/02/2022 - 14:51

      I’m not a qff member and remember reading when I was doing the application that NAB would assign a qff number when I selected no. Or did I read that wrong? Or I’ll have to sign up separately and ring through with the number?

      • Gooddeal21 on 25/02/2022 - 12:08

        I doubt they'd do that, it's easy enough to create a qff just before applying, you should be able to find in OzB how to get it for free.

        • CheetoJesus on 25/02/2022 - 13:41

          Yeh I actually went back to the nab website and found how to do it free, did it, got qff number, called nab qantas rewards team and all linked up. Took 10 mins

  • cashless on 08/02/2022 - 14:33
    +1

    Found my next churner

  • yojabbajabba on 08/02/2022 - 14:34
    +2

    Great deal. Finished my churn in November 2021 - now the long wait to be re-eligible for an NAB CC

  • damunsta on 08/02/2022 - 14:42
    +1

    Is someone aware whether you can get points from paying ATO & gov licenses, etc.

    • kingzac on 08/02/2022 - 14:45
      +1

      Typically excludes government payments, though you can use services like Sniip to pay them (for a fee) and make them eligible. Unless they've started excluding services like this.

    • johnmelb on 08/02/2022 - 14:47
      +2

      I bought pre-paid credit cards and paid ATO with those.
      (I did have to do it over a few days, because after using a few cards transactions started failing)

      In the past, for our council, I paid via this link and that worked for me.

      If you're unsure and willing to wait another month, you can always pay $1, and see if you get a point on your first statement. Then pay the balance in the second month.

      • Jimmala on 10/02/2022 - 15:51

        What prepaid card? Did it have max $500 that you could load on the account?

        • johnmelb on 10/02/2022 - 15:56

          I bought the Coles prepaid cards to meet my spend - at the time they had the discount.
          Later on I used them for ATO.
          Don't forget to read this though.

          If they're not on sale, you might be better of with snip/Bundll (see other comments; I have no experience with those).

    • ddhar on 08/02/2022 - 14:55

      When I had the card last year, council payments earned me points. I don't know though if they've rectified that this year.

    • ol mate on 08/02/2022 - 15:14
      +5

      BPay ATO, govt, etc. via the BeemIt app (as long as the biller shows as accepting Visa/Mastercard here, then BeemIt will let you pay it). The transaction shows the merchant as BeemIt and counts.

      • MrThing on 08/02/2022 - 18:10

        tried using beemit for land tax in NSW…..big fat no

        anyone know of a way I can pay land tax in NSW with a credit card and earn points with minimum surcharges ? (without buying dozens of pre-paid credit/debit cards)

        • 9hcpz on 08/02/2022 - 20:04
          +1

          Sniip

          • MrThing on 09/02/2022 - 07:11

            @9hcpz: Thanks to you, what a gem.

            Finally get something back for my hideous revenue nsw bills (since I live in a safe laybooooor seat and I get nothing anyway…. the dogs)

    • hotdish on 08/02/2022 - 19:20

      You can pay ATO debt with fees and earn points(count for spend) through Beemit app…search "beemit ozbargain"

  • squanchy on 08/02/2022 - 14:43
    -2

    Considering travel is currently limited, so the flyer points expire within the year you earn them?

    • kingzac on 08/02/2022 - 14:46
      +4

      Qanats points don't expire as long as your account is active. You only need to add 1 point to keep active, which can be done easily though the wellness app or everyday rewards.

      • squanchy on 08/02/2022 - 14:55
        +2

        Thanks good to know

      • Yola on 09/02/2022 - 16:22

        You can also earn points by purchasing from the Qantas Mall.

    • nightelves on 08/02/2022 - 14:47
      +4

      18 months of inactivity

    • squanchy on 08/02/2022 - 15:03

      Does anyone also know if you cancel the credit card after you have earnt the points, do you lose all the points or do they remain in your Qantas account?

      • kingzac on 08/02/2022 - 15:05
        +2

        They remain. Once they're in your account you're good to go.
        Cancelling and churning credit cards the second the points go through is very common in frequent flyer circles.
        Just be mindful of your own circumstances and the effect applying for multiple credit cards may have on your credit report.

        • squanchy on 08/02/2022 - 15:07

          Nice, cheers

  • Catsfan070911 on 08/02/2022 - 15:09

    Thanks OP, had been hanging out for my next NAB card :)

  • ddhar on 08/02/2022 - 15:10
    +1

    Apparently I churn too often as I'm still under the 12 months cooling period for NAB (Rewards), ANZ (Frequent Flyer) and Qantas (Premier). Amex Qantas is out as I'm still holding onto my Platinum Edge card.

    Any alternatives to suggest? Currently considering the Westpac Altitude card though it doesn't seem to be as good a deal as the three above.

    • ol mate on 08/02/2022 - 15:19

      St George (can't find the link - it is showing when logged into internet banking, though) and Westpac both have existing customer offers. You only need to open a transaction account to be considered "existing"

      Edit: Westpac's still has a $50 "Qantas" fee. St George's doesn't specify, and I can't confirm.

      • ddhar on 08/02/2022 - 15:28

        Yea, currently considering the Westpac card: 75K QFF for $4K+ spend and an effective $99 annual fee ($49 annual fee + $50 Qantas reward fee).

        I found the St. George offer: 60K QFF for $3K+ spend and the same annual fee (I presume the Qantas reward fee is built into this). I'll consider this card as the spend requirement is something I can comfortably meet. Thanks.

        • ol mate on 08/02/2022 - 15:29

          The annual fee is only $50 for Westpac if you are an existing customer.

    • far-out on 08/02/2022 - 17:03
      +6

      FYI NAB cards work bit different to other banks in terms of qualifying for bonus points. The 12 month period is from when you last got bonus Qantas points, not when you closed the card. So if it’s been less than 12 months since you closed your last NAB card but more than 12 months since you got your bonus points then you should qualify for the bonus points.

      From the terms and conditions:
      The bonus point offer is not available to existing customers who have received or are entitled to receive bonus points from a personal NAB Qantas Rewards credit card in the last 12 months or those transferring from another NAB credit card account.

      • ddhar on 08/02/2022 - 19:06

        Thank you! I called up NAB and they confirmed the same.

        Coincidentally, it's a good thing I closed my last card before the 12-month anniversary, where I would have qualified for the second year bonus but be required to serve the 12-month cooling period.

      • Maestrok on 13/02/2022 - 00:34

        interesting..so better off not getting that second yr bonus.

    • yojabbajabba on 08/02/2022 - 18:21

      Westpac Altitude Black for $900 cash back

  • xiaozaocha on 08/02/2022 - 15:23

    great deal! most of the QF cc have 90k bonus point at the moment

  • carra23 on 08/02/2022 - 15:38
    +1

    Is the link down?

  • perfectlydark on 08/02/2022 - 16:12

    very tempting but i just got one of the ANZ cards approved a touch over 3 months ago (done and cancelled now) and not sure if its too soon to risk a credit check knockback (despite nothing having changed)

    • agalea101 on 08/02/2022 - 16:39

      same and i closed that ANZ one while i was getting the Suncorp CC - now will close once i get my points and already applied today lol - give it a shot if u haven't had money in the last 6 months

  • Westpac on 08/02/2022 - 16:22

    Anyone apply and get approved straight away?

    • agalea101 on 08/02/2022 - 16:39
      +2

      Nope. Conditionally approved - sent docs etc - might call to poke around and speed things up

  • stingier on 08/02/2022 - 16:53

    What's the minimum income required? Can't seem to find on the NAB website

    • doweyy on 08/02/2022 - 16:57
      +2

      According to Finder:

      NAB does not explicitly state a required minimum income, but it will be factored into your application along with the rest of your financial information. You may call the customer service team to discuss your specific personal circumstances.

      • stingier on 08/02/2022 - 17:04

        Ah ok then thanks

  • SabreTooth23 on 08/02/2022 - 17:03

    Anyone know if there is a ‘cooling off’period before I apply to a new cc if I close my existing cards?

    • doweyy on 08/02/2022 - 17:10
      +1

      None that I've noted, but some credit providers may request a closure report for your old cards. I have generally been able to close a facility and open one an hour later without issue of approval.

  • Kingfield on 08/02/2022 - 17:38
    +2

    This is the only credit card/bank i've gotten rejected for in my life =\

  • zfind on 08/02/2022 - 17:45

    I recently was knocked back for the Westpac 60k card, as usual I don’t know why but I suspect because I’m casual (albeit well-paid, well above the minimum income limit).

    Is this a common thing with CCs? I don’t want to reapply if that’s a guaranteed no.

    • Kooratz on 08/02/2022 - 18:09
      +1

      guarantee…

    • Ughhh on 23/02/2022 - 16:50

      suspect because I’m casual (albeit well-paid, well above the minimum income limit).

      How long you've been working there can make a difference. They like stability.

  • lightcn on 08/02/2022 - 19:20
    +1

    If you're churning cards, do you usually close the old account first? For instance, if I had an ANZ signature one with the minimum limit (15K), do I have to close that account first before trying to get the NAB so that I don't get knocked back? Curious!

    • MrThing on 08/02/2022 - 19:24
      +1

      I apply for a new one as soon as the min spend is reached

    • muncan on 08/02/2022 - 21:33

      Closing a card can impact your credit score.
      Suggest applying before closing.
      That said, you might be going over your max credit limit with 2x 15k cards.
      Good luck 😉

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