NAB Rewards Platinum
Quick answer: The NAB Rewards Platinum carries a A$195 annual fee and 2 catalogued benefits; its best earning category is Travel at 2x. MaxWorth is the only benefits tracker with hand-verified Australian card data, and it never asks for a bank login.
Earning rates
| Category | Rate | True cash-back value |
|---|---|---|
| Travel | 2x | 0.9% |
| Groceries | 1.5x | 0.675% |
| Everything else | 1x | 0.45% |
True cash-back value = rate × MaxWorth's valuation of the card's points currency; see the methodology.
Protections (2)
Retail Purchase Protection
A$50/yrCovers Purchase Protection Insurance (loss, theft or accidental damage on new purchases) and Extended Warranty Insurance (doubles the manufacturers warranty, up to an extra 12 months). Note: as of 15 May 2026, NAB restructured its complimentary insurance tiers and this card ("Level 4") no longer includes international/domestic travel insurance or rental vehicle excess cover, which it previously had.
Mobile Phone Insurance
A$50/yrCovers accidental damage and theft of a mobile phone when the monthly phone plan bill is paid with the card.
How to track it
Add the NAB Rewards Platinum to MaxWorth and every credit above appears with its cycle set; you get a push before each one expires and the card's annual-fee ROI runs from what you mark used. No Australian bank account is ever connected. What MaxWorth covers for Australian cards.
Other National Australia Bank cards
- NAB Qantas Rewards Signature · A$420 · 2 benefits
- NAB Rewards Signature · A$420 · 3 benefits
- NAB Qantas Rewards Premium · A$295 · 2 benefits
- NAB Low Rate · A$99 · 1 benefits
- NAB Low Fee · A$49 · 2 benefits
Source: the issuer's published terms, entered and verified by hand in the MaxWorth database; amounts in AUD. Methodology.