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Back Rewards Overview National Credit Cards are the only credit card that can earn you Fly Buys points for every purchase* you make - points can be used toward a range of great rewards such as shopping vouchers, accommodation, dining vouchers and flights. Key Benefits Accepted at over 29 million locations around the world Earn Fly Buys points. A National Credit Card is the only card that can earn you Fly Buys points, for every purchase* you make. If you shop at participating Fly Buys outlets you can earn points twice - once from the National and once from the participating outlet.** Purchase protection. Protect your National MasterCard purchases against damage, loss, or theft for 90 days with National Purchase Cover.*** Card protection. Protect your National MasterCard and all other cards in your wallet with Lost Card Cover.+ Payment protection. Enjoy the peace of mind that monthly repayments on your National MasterCard can be covered in situations where financially you might not otherwise be able to meet those repayments with National Credit Card Cover.++ Protection against accidents. When you use your National MasterCard to pay for your travel ticket you are entitled to free travel accident insurance to a maximum of $100,000.+++ Features Annual Fee ($): Standard MasterCard $30.00 Annual Interest Rate (%): Standard MasterCard 18.99% Interest Free Days (up to): Up to 45 days Additional Cards: One free additional card Cash Advance Facility: yes Bonus Partners Double your Fly Buys points If you shop at participating Fly Buys outlets you can earn points twice - once from the National and once from the participating outlet.* *Minimum thresholds apply Rewards Scheme With Fly Buys you can earn 1 point for every $5 of purchases, or 2 points for every $5 of purchases over $500 (not including the first $500). Plus you can earn points twice - once from the National and once from the outlet, when you use your National MasterCard and present your Fly Buys card upon payment. For Further Information Visit the National Australia Bank website at www.national.com.au

Please note: Fees and charges may be payable. Full details of the relevant terms and conditions are available on application.
Fly Buys is a registered trademark of Loyalty Pacific Pty Ltd ABN 82 057 931 334

* Purchases are calculated as total credit purchases less sales credits (i.e. returns) and adjustments during a statement period. Excludes cash advances (including bills paid over the counter at a bank, financial institution or post office), when you use your card to purchase travellers cheques, or as a debit card to access linked accounts. Business transactions are also excluded as are credit charges, annual and other National fees, government charges or unauthorised transactions for which the cardholder is not liable.

** Minimum thresholds apply

*** This is only a brief summary of the benefits and exclusions may apply. Purchase Cover is issued by Zurich Australian Insurance Limited ABN 13 000 296 640 of 5 Blue Street, North Sydney, NSW 2060.

+ This is only a brief summary of the benefits. For more information, please call Card Alert on 1800 338 897. Lost Card Cover is issued by Card Alert Pty LTD ABN 82 003 249 885 of Level 7, 20 Loftus Street, Sydney, NSW 2000.

++ This is only a brief summary of the benefits and exclusions may apply. You should refer to the relevant policy documents available on application. National Credit Card Cover is issued and administered by National Australia Financial Management Limited ABN 56 000 176 116 of 91-97 William Street, Melbourne Victoria 3000, Neither National Australia Bank Limited nor any other company in the National Australia Bank Group (with the exception of National Australia Financial Management Limited, as insurer), guarantees or accepts any liability for National Credit Card Cover.

+++ This is only a brief summary of the benefits and exclusions may apply. Travel Accident Insurance is issued by Chubb Insurance Company of Australia Limited ABN 69 003 710 647 of 264-278 George St, Sydney, NSW 2000.

Neither National Australia Bank Limited ABN 12 004 044 937 nor any other company in the National Australia Bank Group, guarantees or accepts liability in respect of Travel Accident Insurance, Purchase Cover or National Credit Card Cover as described above.