NAB Business Credit Cards: Rewards, Qantas, Low Rate & Employee Expense Options
NAB’s business-card range covers four distinct needs: flexible rewards, Qantas Points, lower interest cost and employee expense management. The correct comparison starts with how the business will use the card—not with the size of the sign-up offer.
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Rewards Business Signature
NAB currently publishes a $175 annual card fee, 19.50% p.a. purchase rate and $5,000 minimum facility limit. It earns NAB Rewards Points on eligible business spending.
Qantas Business Signature
NAB currently publishes a $295 annual fee, 19.50% p.a. purchase rate and $5,000 minimum facility limit. The card is designed around Qantas Business Rewards.
Low Rate Business Card
NAB currently publishes a $60 annual card fee and 13.99% p.a. purchase rate, positioning it toward businesses that prioritise lower interest cost over premium rewards.
NAB Business Card
This employee-expense product is published with a $9 monthly fee per card, 16.50% p.a. purchase rate and $5,000 minimum facility credit limit. The outstanding facility balance is automatically debited monthly from a nominated account according to the product description.
NAB Business Card Range
| Card | Published fee* | Purchase rate* | Primary use |
|---|---|---|---|
| Rewards Business Signature | $175 annually per card | 19.50% p.a. | NAB Rewards |
| Qantas Business Signature | $295 annually per card | 19.50% p.a. | Qantas Business Rewards |
| Low Rate Business Card | $60 annually per card | 13.99% p.a. | Lower interest rate |
| NAB Business Card | $9 monthly per card | 16.50% p.a. | Employee expenses |
Figures and product features may change; verify current terms directly with the relevant provider.
Who This May Suit — and Who Should Look Elsewhere
Potential fit
- You want multiple employee cards under a business facility.
- A specific rewards or cost profile matches business spending.
- You can manage repayment discipline and card controls.
Consider another option if
- The business frequently carries balances but is choosing a high-rate rewards card primarily for points.
- A debit or expense-management workflow would meet the need without credit.
Primary Sources Used for This Guide
Product terms can change. These sources are included so readers can verify current information directly before making an important financial or security decision.