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Card Overview
Key Attributes
Earn
Qantas Points per $1.50
1 Point
on everyday business purchases²
Travel Benefits
Travel Insurance
Access to NAB commercial cards Unauthorised Transaction Insurance, and Transport Accident Insurance⁴
Visa Premium
Save on car rental, including fee waivers. Access to accommodation booking services and hand-picked hotels. Special offers on VIP airport lounge access and travel assistance programs. Exclusive discounts and complimentary gift items at duty-free retailers and shopping centres⁶
Points Cap
Yes
1 Qantas Point per $1.50 on business and ATO spend, capped at $50,000 per card per statement period
Annual Fee
$295 p.a.
ATO Points
No
Overseas Transaction Fee
3%
of converted amount
Interest-free Period
Up to 44 days5
Purchase Rate
18.50% p.a.
Cash Advance Rate
21.74% p.a.
Why Choose This Card
The NAB Qantas Business Signature Card is one of the more practical options for small-to-medium businesses that want to earn Qantas Points on everyday expenses, including ATO payments². Earning 1 Qantas Point per $1.50 spent, with an additional 1 Point per $1 on Qantas products and services, it offers a competitive earn rate for a $295 annual fee.
What makes it stand out is the high monthly Points cap ($50,000 per card per statement period) and the ability for business owners to set spending limits and allocate Points across multiple cardholders, ideal for managing team expenses.
You’ll also receive a complimentary Qantas Business Rewards membership⁷ (normally $89.50) and limited business-specific insurance, including unauthorised transaction and transport accident cover for employees travelling on business.
Overall, this card balances cost, control and rewards, a strong fit for businesses looking to turn everyday expenses into meaningful Qantas Points value.
This guide references some of the benefits of insurance policies provided with this card. You should read the PDS and obtain independent professional advice before obtaining this product.
Where could 150,000 bonus Qantas Points take you?
You could redeem them for the following:
Europe, the elegant way
Fly one-way from Perth to Athens, Rome, Vienna or Venice in Emirates Business Class for 130,100 Qantas Points (redemption value calculated on 17 February 2026). Taxes and carrier charges apply.**
Comfort that goes the distance
Fly return from Sydney to Singapore in Qantas Premium Economy for 123,200 Qantas Points (redemption value calculated on 2 February 2026). Taxes and carrier charges apply.**
Extra Benefits
Complimentary Insurance
Enjoy complimentary NAB Commercial Cards Unauthorised Transaction Insurance³, and NAB Commercial Cards Transit Accident Insurance⁴
Visa Premium
This access covers a range of benefits:
- Save on car rental, including fee waivers
- Access to accommodation booking services and hand-picked hotels
- Special offers on VIP airport lounge access and travel assistance programs
- Exclusive discounts and complimentary gift items at duty-free retailers and shopping centres
Mobile Wallet
Apple Pay and Google Pay
NAB is offering 150,000 bonus Qantas Points1 for new cardholders of the NAB Qantas Business Signature Card who apply, and spend $10,000 on everyday business purchases within 90 days of opening your new account.
The NAB Qantas Business Card is the sister card to the consumer NAB Qantas Signature Card, with a lower annual fee and lower earn rate but higher monthly points cap that’s more suitable for small business.
Digging into the details of the NAB Qantas Business Signature Card
The card has many business-friendly features that differentiate it from the personal variant of the card.
It earns points directly into Qantas Business Rewards7, which customers can later transfer to individual Qantas Frequent Flyer membership accounts. The card effectively earns 1 Qantas Point per $1.50 spend on everyday business expenses, including payments to the Australia Taxation Office (ATO). The card features the ability for the account holder to determine which cardholder is credited with the points.2
While the earn rate is lower than the personal variant of the card, the points cap is significantly higher, with cardholders able to spend up to $50,000 per card per statement period, which will be beneficial to many businesses with high spending potential.
Being designed for small businesses, the card comes with features that allow for the business to have full control of their spending. These features include:
- Different credit limits being set for multiple cards under a single facility
- Detailed monthly statements being issued per cardholder in addition to one overall summary
The card also comes with a personalised global concierge service, which aims to provide on-demand personalised assistance for such things as restaurant bookings, accessing hard-to-get tickets, or even hiring a private yacht.
Card Details
| Card | NAB Qantas Business Signature Card |
| Loyalty Program | Qantas Business Rewards |
| Points earned from spend | 1 Qantas Point per $1.50 |
| Points Cap | $50,000 per card per statement period |
| Earns points at ATO | Yes - 1 Qantas Point per $1.50 |
| Insurance included | Access to NAB commercial cards unauthorized transaction insurance and transit accident insurance |
| Overseas transaction fee | 3% of the converted amount |
| Minimum Credit Limit | $5,000 |
| Minimum income requirement | Annual business revenue of $75,000 or more |
| Mobile wallet | Apple Pay, Google Pay |
| Annual fee | $295 p.a. per card |
Travel & Purchases Insurance
The NAB Qantas Business Signature Card also offers the following complimentary insurances:
- NAB Commercial Cards Unauthorised Transaction Insurance3
- NAB Commercial Cards Transit Accident Insurance4
Unauthorised transaction insurance covers transactions that were not authorised by the business and made by cardholders, up to $20,000 per cardholder and up to $150,000 per year. Company Directors and their immediate family members are excluded.
Transit accident insurance covers cardholders for loss of life or injuries incurred while ‘riding as a passenger on a conveyance during an authorised business trip’. The costs of the ‘conveyance’ must have been paid on the business credit card before the commencement of travel. Some examples when this cover is activated include being a fare-paying passenger, boarding or disembarking a licensed plane, tourist bus, train or ferry, or if you are travelling to or from an ‘international or overseas departure port’ or if you are riding in a licensed taxi, bus or hire vehicle.
It appears that this policy is designed to ensure some travel insurance coverage for employees (as cardholders) requiring light ground or air transport coverage. There is no delay, baggage or other travel insurance coverage though, this is purely for accident or death during transport—hence the name of the policy.
A copy of the PDS for each policy is found below to assist you in determining whether these insurances are suitable for your business needs.
They can be found here:
- NAB Commercial Cards Unauthorised Transaction Insurance PDS
- NAB Commercial Cards Transit Accident Insurance PDS
This guide references some of the benefits of insurance policies provided with this card. You should read the PDS and obtain independent professional advice before obtaining this product.
Access to Visa Premium
This card has access to Visa Premium benefits, which cover a range of categories including Lifestyle, Entertainment and Travel.
A summary of the benefits include:
- Save on car rental, including fee waivers
- Access to accommodation booking services and hand-picked hotels.
- Special offers on VIP airport lounge access and travel assistance programs.
- Exclusive discounts and complimentary gift items at duty-free retailers and shopping centres.
The value of these benefits is highly subjective and depends if and where you can use them.
Key eligibility requirements for the NAB Qantas Business Signature
In order to apply for the NAB Qantas Business Signature card, your business must meet the following criteria:
- Has a turnover of at least $75,000 per year
- Operate a trading ABN or ACN
- Have at least 12 months of business financial data
NAB make the process of applying simple by allowing the business to upload their financial data from any accounting package software, including Xero and MYOB.
Apple Pay + Google Pay support with NAB
NAB cards support Apple Pay, Google Pay & Samsung Pay, meaning you can use their cards on your smartphone for easier payments. Find out more in our guides for each of the compatible services.
Summing up
This is one of the more appealing cards for small businesses looking to earn a competitive Qantas earn rate for a relatively low annual fee, plus it also earn points on payments to the Australia Tax Office (ATO). It comes with a high earn cap and features that allow the main cardholder to easily control the level of spend within the card facility. Participation in the Visa Premium program is also a nice feature of the card.
A downside of the card is that the complementary insurances appear to be quite limited in what they cover, and it is likely that many small businesses will need to seek additional insurance to augment the coverage provided by this card.
All in all though, a strong card worthy of consideration for small businesses that can make good use of Qantas Points.
Eligibility Criteria
These are the minimum requirements to be eligible to apply for this Card. Other additional eligibility criteria, such as proof of income, will generally be required later on.
-
Be 18 years old of age or over, and a permanent Australian resident
-
Have a valid ABN registered for at least 12 months
-
Annual business turnover of $75,000 or more
-
Your business is registered for GST
-
Your business is an eligible entity (You are a sole trader, a partnership with up to two partners, a company with up to five directors or a trustee of an eligible fund)
-
To be eligible for the bonus offer, you must not hold, or have held, any NAB Qantas Business Rewards Credit Card in the last 12 months. Not available to those who currently hold or have closed any NAB business credit card, which included a special offer, within the previous 12 months.
Frequently Asked Questions
Who is eligible for the sign-up bonus?
To be eligible for the bonus offer, you must not hold, or have held, any NAB Qantas Business Rewards Credit Card in the last 12 months.
Which loyalty program do the Points go into?
Points earned go into the business’s Qantas Business Rewards account (rather than a personal Frequent Flyer account), and can be transferred to individuals later.
How do I redeem my Qantas Frequent Flyer Points?
You can use your Qantas Points for a range of rewards, from flights, hotels and even wine or fuel purchases. The best value rewards tend to be flights or flight upgrades via Classic Rewards. Read our guide of best uses of Qantas points here.
Does this card come with lounge access?
You don’t get any lounge passes or access with this card.
Does this card come with complimentary insurance?
This card comes with complimentary NAB Commercial Cards Unauthorised Transaction Insurance³ and NAB Commercial Cards Transit Accident Insurance⁴, as long as you meet eligibility criteria.
Can I earn Points on ATO payments?
Yes, with the NAB Qantas Business Signature card, you can earn 1 Point per $1.50 spent at the ATO.
Terms and Conditions
1. Qantas Business Signature Special Offer
Offer commenced on 29 October 2025. To be eligible for the 150,000 bonus Qantas Points offer, you must apply for and be issued a new NAB Qantas Business Signature Card account before the offer is withdrawn and spend $10,000 on everyday business purchases within 90 days of account opening. 150,000 bonus points will be credited to the qualifying member’s Qantas Business Rewards Account within 90 days of meeting the spend criteria. If the qualifying member’s NAB Qantas Business Signature Card facility is closed (either by the member or by NAB) before the bonus points are credited to the member’s Qantas Business Rewards Account, the member may forfeit the bonus points. NAB is not responsible for any delays in assessing your application or the card being issued. Everyday business purchases are purchases which are eligible to earn Qantas Points. Certain transactions and other items are not eligible to earn Qantas Points. For details refer to the NAB Qantas Commercial Card Rewards Conditions (PDF, 167KB), opens in new window. NAB may vary or end this offer at any time without notice. This offer applies only once per new NAB Qantas Business Signature Card account. Offer is not available in conjunction with any other new business credit card offer or NAB offer (subject to the express terms of the offer), where you currently hold or have closed any NAB business credit card, which included a special offer, within the previous 12 months or when closing or transferring from another NAB business credit card account.
2. Earning Qantas Points
All Qantas Points earned using the card(s) will be credited to the Qantas Business Rewards Account of the business. To earn points using your NAB Qantas Business Signature Card, you must be a Qantas Business Rewards member. A one-off joining fee of $89.50 usually applies but will be waived for the business taking a new NAB Qantas Business Signature Card, when you join by visiting qantas.com/nabqbr, opens in new window or calling 13 74 78. You will need to register your same ABN as per your NAB Qantas Business Signature account.
This offer may be withdrawn at any time. Qantas Business Rewards membership and Qantas Points are subject to the Qantas Business Rewards Terms and Conditions, opens in new window. Refer to the NAB Qantas Commercial Card Rewards Conditions (PDF, 167KB), opens in new window for details of eligible business spending. Points are capped at $50,000 spend per card per statement period.
3. NAB Commercial Cards Unauthorised Transaction Insurance
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 ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 (NAB) which allow eligible persons to claim under them as third party beneficiaries. Access to the benefit of cover under the NAB card insurances is available to eligible NAB account holders by operation of s48 of the Insurance Contracts Act 1984 (Cth).
Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.
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.
If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits contained in the group policy as set out in the NAB Commercial Cards Unauthorised Transaction Insurance Policy Information Booklet dated 1 November 2023 (PDF, 152KB), opens in new window which may be amended from time to time. For insurable events that occurred prior to 1 November 2023, please refer to the NAB Commercial Cards Unauthorised Transaction Insurance Policy Information Booklet dated 30 June 2022 (PDF, 340KB).
4. NAB Commercial Cards Transit Accident Insurance
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 ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 (NAB) which allow eligible persons to claim under them as third party beneficiaries. Access to the benefit of cover under the NAB card insurances is available to eligible NAB account holders by operation of s48 of the Insurance Contracts Act 1984 (Cth).
Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.
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.
If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits contained in the group policy as set out in the NAB Commercial Cards Transit Accident Insurance Policy Information Booklet dated 1 November 2023 (PDF, 163KB), opens in new window which may be amended from time to time. For insurable events that occurred prior to 1 November 2023, please refer to the NAB Commercial Cards Transit Accident Insurance Policy Information Booklet dated 30 June 2022 (PDF, 339KB)
5. Interest-free days on everyday business purchases
If you pay your closing balance on your monthly statement in full by the due date each month. Excludes cash advances (including bills paid over the counter at a bank, financial institution or post office, purchases of travellers’ cheques and transactions for gambling or gaming-related purposes).
6. NAB Concierge Service
This service is provided by Visa Worldwide Pte Ltd or International SOS (Australasia) Pty Ltd. To access the NAB Concierge Service call 1300 498 594 , 24 hours a day, seven days a week. See the NAB Concierge Service terms and conditions for full details. For information on Visa benefits please visit Visa Offers and Perks
7. Membership of Qantas Business Rewards
Membership of Qantas Business Rewards and the earning of Qantas Points as a business are subject to the Qantas Business Rewards Terms and Conditions, opens in new window. If you’re not already a Qantas Business Rewards member, join for free at qantas.com/nabqbr, opens in new window. Find out more by visiting Qantas Business Rewards FAQ.
** Classic Flight Rewards
Classic Flight Rewards are available on Qantas, Jetstar and eligible partner airlines. These seats are subject to capacity controls and availability is limited—some flights may not have any Classic Flight Reward seats available.
The number of Qantas Points required, as well as taxes, fees and carrier charges, are accurate as at 15 Oct 2025 but may vary at the time of booking.
Status Credits and Qantas Points will not be earned on Classic Flight Reward bookings.
Classic Flight Rewards must be booked via the Qantas website or other authorised booking channels. Some flights may be operated by a partner airline and different baggage allowances and conditions may apply.
Changes to or cancellations of Classic Flight Rewards are subject to the rules outlined in the Qantas Frequent Flyer Terms & Conditions, including change/cancellation fees and any fare or points difference if applicable.
For full terms and fare rules visit the Qantas Frequent Flyer website at Classic Flight Rewards.