# Source: https://www.nab.com.au/personal/credit-cards/nab-rewards-cards/velocity-points/platinum-checklist

Velocity Points with NAB Rewards credit cards - NAB

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# 

New 

 Velocity Points with NAB Rewards credit cards 

Earn Velocity Points on a new NAB Rewards credit card with automatic redemption.

Choose the right card with our easy to use tool 

[ Help me choose a card ](https://www.nab.com.au/personal/credit-cards/calculators-and-tools/product-selector) 

##  Earn Velocity Points with our NAB Rewards credit cards 

Get ready to extend your Velocity Points earnings with our NAB Rewards credit cards. Enjoy the benefits of hassle-free points accumulation with our automatic redemption feature, which transfers your NAB Rewards Points directly to your Velocity account each month.

##  Compare our Velocity Points earning NAB Rewards credit cards 

Both cards offer the chance to earn Velocity Points which are automatically transferred monthly into your Velocity account. Compare the different Velocity rewards, minimum credit limits and fees to find a card that suits you.  

###  NAB Rewards Card with Velocity 

Experience uncapped rewards points, transferred monthly to your Velocity account to redeem on flights or the Velocity Rewards Store.  

Minimum credit limit

$3,000 

Annual card fee

$ 195 p.a. 

Variable purchase rate[View Disclaimer 1](#)

22.49 % p.a. 

#### Benefits and considerations 

#####  Benefits 

* 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.[View Disclaimer 5](#)  

* Global assistance for card emergencies

#####  Considerations 

* Higher interest rates compared to our NAB Low Rate Card
* Lower point earn rate compared to our NAB Rewards Travel Card.
* Higher annual fee compared to some of our other cards.

Not the right card for you? We can help you choose a different one.

[ Help me choose a card ](https://www.nab.com.au/personal/credit-cards/calculators-and-tools/product-selector) 

Offer 

Up to 80,000 bonus Velocity Points 

Minimum monthly repayments required. Offer commenced 1 October 2026​ and ends upon withdrawal. Available to new cardholders only. Eligibility criteria and terms and conditions apply. See important information below.

Get an instant response 

[ Apply now ](https://www.nab.com.au/common/forms/creditcards#?products=nab-rewards-card&campaignCode=OPF) 

[ Resume an existing application ](https://www.nab.com.au/personal/online-banking/resume-saved-application) 

###  NAB Rewards Travel Card with Velocity 

Experience uncapped rewards points to transfer monthly to your Velocity account with our highest points earn NAB Rewards credit card.

Minimum credit limit

$6,000 

Annual card fee

$ 395 p.a. 

Variable purchase rate[View Disclaimer 1](#)

22.49 % p.a. 

#### Benefits and considerations 

#####  Key benefits of this card 

* Fee-free international transactions

#####  Benefits 

* 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.[View Disclaimer 5](#)  

* Fraud and theft protection with world class security technologies
* Global assistance for card emergencies

* Special offers with [Visa Premium Access and Visa Entertainment](https://www.visa.com.au/en%5Fau/visa-offers-and-perks/) including pre-sale tickets and member promotions

#####  Considerations 

* Higher interest rates compared to our NAB Low Rate Card
* Higher annualised monthly fee compared to some of our other cards

Not the right card for you? We can help you choose a different one.

[ Help me choose a card ](https://www.nab.com.au/personal/credit-cards/calculators-and-tools/product-selector) 

Offer 

Up to 90,000 bonus Velocity Points

Offer only available online for new cardholders. Minimum monthly repayments required. Offer commenced 1 October 2026​ and ends upon withdrawal. Eligibility criteria and terms and conditions apply. See important information below.

Get an instant response 

[ Apply now ](https://www.nab.com.au/common/forms/creditcards#?products=nab-rewards-travel-card&campaignCode=OQB) 

[ Resume an existing application ](https://www.nab.com.au/personal/online-banking/resume-saved-application) 

##  More about credit cards with Velocity Points 

###  What are Velocity Points? 

Velocity Points are the reward currency of Virgin Australia’s Velocity Frequent Flyer program. You can convert your NAB Rewards Points to Velocity Points.

###  How can I use Velocity Points? 

You can redeem your points when you fly with Virgin Australia or partner airlines, use eligible credit cards, shop with partner retailers, book hotels, hire cars and more.

###  Do Velocity Points expire? 

Yes – Velocity Points expire if you don’t earn points for 24 months. Any activity on your account resets the expiry on your entire points balance.

### How to convert NAB Rewards Points to Velocity Points

You can easily convert the points you earn on your NAB Rewards or NAB Rewards Travel Cards to Velocity Points. Here’s how:

1. Visit the NAB Rewards Store and link your Velocity membership number to your NAB Rewards account. If you’re not already a Velocity Frequent Flyer member, [join for free](https://join.velocityfrequentflyer.com/) today.
2. Each month, your NAB Rewards Points will be transferred to Velocity Points. You can set up automatic redemption for convenience.
3. Velocity Points converted from bonus NAB Rewards Points will be credited within three months of meeting your spend criteria.

### How much are Velocity Points worth?

Three NAB Rewards Points are worth one Velocity Point[View Disclaimer 12](#)

Boost your Velocity Points balance faster by earning bonus points when you shop through the NAB Rewards Bonus Points Shop or Points Booster stores.

###  How many Velocity Points do I need to fly? 

It depends on where you’re flying, when you book, and which seat you choose. Velocity uses distance based award charts, and prices can change based on demand and availability. For example, for an economy seat on a Virgin Australia domestic flight, you’ll need at least 5,900 points for a one-way flight. 

Use the [mileage calculator](https://www.velocityfrequentflyer.com/flying-status/mileage-calculator) on the Velocity website to work out how far your points can take you.

* ## How do I earn Velocity Points?  
1\. Apply for an eligible NAB Rewards credit card  
Cards like the NAB Rewards Card and NAB Rewards Travel Card let you earn NAB Rewards Points, which you can then convert to Velocity Points in the NAB Rewards Store.  
2\. Switch on Auto Redemption  
You can set up Auto Redemption so all your NAB Rewards Points are automatically converted to Velocity Points each month.  
3\. Earn points on your everyday spending  
Each time you make an eligible purchase with your NAB Rewards Card, you’ll earn points. All your everyday spending, like groceries, petrol, takeaway coffee and more can earn points. You could also earn bonus points on certain transactions.  
4\. Take advantage of bonus Velocity Points offers  
Keep an eye out for offers where you can earn bonus points by meeting minimum spend requirements and keeping you card open for at least 12 months.
* ## Can I transfer Velocity Points to someone else?  
Yes – you can transfer your points to an eligible family member who is also a Velocity member. You’ll need to log into your Velocity account to do this.

##  How to earn Velocity Points with NAB Rewards credit cards 

##  Credit card tools and calculators 

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Use our comparison tool to compare our credit card fees and features.

## Help and support

We’re here to help. Learn about the support services available to you.  

* [ NAB Rewards Store , opens in new window ](https://rewards.nab.com.au/en/home.html)
* [ Manage my card ](https://www.nab.com.au/help-support/personal-banking/manage-cards)
* [ How credit cards work ](https://www.nab.com.au/personal/life-moments/manage-money/money-basics/credit-cards)
* [ Setting up your card and PIN ](https://www.nab.com.au/help-support/personal-banking/manage-cards/set-up-your-credit-card)
* [ Financial hardship assistance ](https://www.nab.com.au/help-support/financial-hardship)

## Other ways we can help

Use our help guides, FAQs and other support services to help you manage your banking more easily.

[ View our help and support hub ](https://www.nab.com.au/help-support) 

##  Other options to consider 

### [ NAB Qantas Rewards credit cards](https://www.nab.com.au/personal/credit-cards/qantas-rewards) 

Compare our range of Qantas Frequent Flyer rewards cards. Find the card that's right for you, and start earning points.

### [ NAB Rewards credit cards](https://www.nab.com.au/personal/credit-cards/nab-rewards-cards) 

Compare our range of NAB Rewards credit cards, and learn more about our NAB Rewards program.

---

##  Get in touch 

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Visit your nearest NAB branch to speak to us in person.

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## Important Information 

### Terms and Conditions

* Disclaimer 1  
**Variable interest rates current as at date**  
Interest rates are current as at today and are subject to change.
* Disclaimer 2  
**NAB Rewards Card — Earning points and Points Booster**  
Points are earned and redeemed in accordance with the [NAB Rewards Terms and Conditions (PDF, 211KB), opens in new window](https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/nab-rewards-terms-and-conditions.pdf) available at [rewards.nab.com.au, opens in new window](https://rewards.nab.com.au/en/home.html). These terms describe the purchases not eligible to earn points. You must have an open and active NAB Rewards credit card account to earn points. Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes.  
**Bonus Points on Groceries, Petrol and Public transport:**  
 When you spend under $5,000 on eligible purchases in a Rewards Statement period (calendar month): 1.25 NAB Rewards Points + 0.75 additional NAB Rewards Point (Bonus Points).​  
 When you spend over $5,000 on eligible purchases in a Rewards Statement period (calendar month): 0.5 NAB Rewards Point + 0.75 additional NAB Rewards Point (Bonus Points).​​  
Eligibility for additional points for groceries, petrol and public transport are determined by a merchant's Merchant Category Code (MCC). NAB is not responsible for designating MCCs and has no control over the same. You’re unable to get points if you use an intermediary platform such as PayPal or a delivery platform such as Uber Eats for these transactions.  
Points Booster is subject to the [NAB Rewards Terms and Conditions, opens in new window](https://rewards.nab.com.au/en/footer-page/termsncondition.html). Only eligible transactions under those terms and conditions earn points and bonus points. Points are credited to your points balance after the eligible transaction is credited to your NAB Rewards credit card account: for standard points within 10 business days of processing and for Bonus Points within 3 business days of the standard points being processed. Details are correct as at 1 October 2026 and are subject to change by NAB.
* Disclaimer 3  
**Insurances**  
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 allows eligible persons to claim under it as third party beneficiaries.  
Access to the benefit of cover under the NAB card insurances is available to eligible NAB cardholders and other eligible third-party beneficiaries 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 insurance information booklet.  
The eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the NAB Card Insurance Policy Information Booklet effective 15 May 2026 which may be amended from time to time.  
For insurable events that occurred prior to 15 May 2026, please refer to the NAB Card Insurance Policy Information Booklet effective 1 July 2025\. View [current and previous Policy Information Booklets](https://www.nab.com.au/content/nabrwd/en/personal/insurance/complimentary-card-insurances/policy-changes.html).
* Disclaimer 4  
**Interest free days on purchases**  
These periods run from the start of your statement cycle to your statement’s due date. You will be eligible for interest free days on purchases by paying your account in full or, if your statement indicates an interest free days payment, paying that amount in full by the monthly due date. Explore more details at [nab.com.au/btchange](https://www.nab.com.au/content/nabrwd/en/personal/credit-cards/balance-transfer-interest-free-days.html).
* Disclaimer 5  
**Balance transfer 12 month offer rate**  
After 12 months, any unpaid balance transfers will attract the variable cash advance rate (currently 22.99% p.a. and is subject to change). The one-off balance transfer fee of 3% is calculated on the amount transferred and is charged to your NAB credit card account when your balance transfer is processed. [Interest rates](https://www.nab.com.au/content/nabrwd/en/personal/interest-rates-fees-and-charges/indicator-rates-for-other-personal-lending.html) are subject to change. While you have an outstanding balance transfer, interest free days on purchases only applies if you pay the interest free days payment in full by the due date each month. Minimum monthly repayments must be made by the due date each month. Standard balance transfer rate and term may be varied or withdrawn at any time. In addition to this acquisition rate, which is available only at card application, other balance transfer offers may be available on your card from time to time. You can find out more information about the [ongoing balance transfer rates](https://www.nab.com.au/content/nabrwd/en/personal/credit-cards/balance-transfers.html) of your card.
* Disclaimer 6  
**Balance transfer indicative list**  
You’ll need to make sure your BPAY® reference number for your non-NAB card is the same as your non-NAB card number as we use this number to process your balance transfer request. If these numbers are not the same, we won’t be able to process your balance transfer. Please check the numbers match before applying for a new card with a balance transfer or requesting balance transfer on an existing card. Your BPAY reference number can be found on your credit card statement.  
We are aware that some card numbers and BPAY reference numbers don’t match for cards from the following issuers:  
   * Bendigo Bank  
   * ING  
   * Latitude Finance  
   * Great Southern Bank  
   * Heritage Bank  
   * Adelaide Bank  
   * credit unions  
   * AMEX cards  
**Note:** this is an indicative list.
* Disclaimer 7  
**Additional cardholder**  
Additional cardholder must be 16 years of age or older. All transactions using the additional card will be the responsibility of the primary cardholder. Additional cardholders are not available with the NAB StraightUp Card.
* Disclaimer 8  
**NAB Concierge Service**  
NAB Concierge Service is available for all NAB Signature, Platinum and Premium credit cardholders.  
This service is provided by Visa Worldwide Pty Ltd or International SOS (Australasia) Pty Ltd. Your concierge is available on [1300 730 213](tel:1300730213), 24 hours a day, 7 days a week. See the [NAB Concierge Service terms and conditions (PDF, 240KB), opens in new window](https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/services/nab-concierge-services.pdf) for full details.
* Disclaimer 9  
**NAB Rewards Card — Velocity Auto Redemption offer​**  
Offer commenced on 1 October 2026 and continues until withdrawn (Offer Period). NAB may vary or withdraw this offer at any time. If the offer is varied or withdrawn, reasonable notice will be given where possible. To be eligible for the offer of up to 80,000 Velocity bonus Points (automatically redeemed from 240,000 NAB Rewards Bonus Points), you must:​  
   * be a Velocity Frequent Flyer member, ​  
   * apply for a new personal NAB Rewards Credit Card before the offer is withdrawn, ​  
   * have your application approved, ​provide your Velocity membership number to NAB to enrol in Auto Redemption, ​  
   * spend at least $4,000 on everyday purchases using your new card within 90 days of account opening, and ​  
   * maintain your account in good standing for at least 12 months.  
You must provide your Velocity membership number to enrol in Auto Redemption, which enables your NAB Rewards Points to be automatically redeemed for Velocity Points. Once your application has been approved, NAB will email you instructions on how to provide your Velocity membership number. The redemption of the Velocity Frequent Flyer membership and Velocity Points are subject to the [Velocity membership Terms and Conditions, opens in new window](https://experience.velocityfrequentflyer.com/member-support/terms-conditions).  
Points will be awarded on a tiered basis – 120,000 NAB Rewards Bonus Points will be awarded when you spend at least $4,000 on everyday purchases within 90 days of opening your account. These points will be credited to your NAB Rewards points balance and automatically redeemed for 40,000 Velocity Points within 90 days of meeting the spend requirement. A further 120,000 NAB Rewards Bonus Points will be awarded once you have held your card for over 12 months. These points will be credited to your NAB Rewards points balance during the 13th month after account opening and automatically redeemed for 40,000 Velocity Points within 30 days of being credited. The name on the credit card account must match the name associated with the enrolled Velocity membership number. Offer is limited to a maximum of 240,000 NAB Rewards Bonus Points per Velocity account.​  
Everyday purchases are eligible transactions under the NAB Rewards Terms and Conditions and exclude transactions including those that NAB decides are wholly or partly for gambling or gaming purposes. Please refer to the [NAB Rewards Terms and Conditions, opens in new window](https://rewards.nab.com.au/en/footer-page/termsncondition.html) for more information.  
You are not eligible for Bonus Points if you currently hold, or have held, a personal NAB Rewards Credit Card in the last 24 months. Offer is not available in conjunction with any other NAB credit card offer and does not apply if you are closing, switching from, or transferring an existing NAB credit card account.​
* Disclaimer 10  
**Complimentary Airport Lounge Access**  
The Complimentary Airport Lounge Access Program is administered by Plaza Premium Lounge Australia Pty Ltd (ABN 64 165 120 972) and is available to NAB Rewards Travel Credit Card primary cardholders (Eligible Cardholders).  
The Program provides Eligible Cardholders with two (2) complimentary airport lounge visit entitlements each calendar year at participating Plaza Premium Lounge locations worldwide. Each person entering a participating lounge, including any accompanying guest, will use one (1) complimentary visit entitlement. An Eligible Cardholder may use their complimentary visit entitlements for themselves and up to one (1) accompanying guest. Any additional guests will be subject to applicable guest charges. Complimentary visit entitlements may only be used when the Eligible Cardholder is present and accessing the lounge.  
Unused complimentary visit entitlements cannot be transferred, sold, exchanged for cash, credit or any other benefit, and do not roll over into subsequent calendar years.  
Access to and use of the program is subject to the [Complimentary Airport Lounge Access Terms and Conditions (PDF, 85KB), opens in new window](https://www.nab.com.au/content/dam/nab/documents/terms-and-conditions/banking/complimentary-airport-lounge-access-terms-and-conditions.pdf) which are subject to change. To locate a participating lounge, please refer to the [Plaza Premium Lounge directory, opens in new window](https://www.plazapremiumlounge.com/PlazaPremiumLounge/media/PPLMedia/Promotions/nab.pdf).  
Lounge access, facilities, services, operating hours, visit duration and participating locations vary by lounge. Access is subject to eligibility verification, lounge capacity and the [Plaza Premium Lounge Terms and Conditions, opens in new window](http://www.plazapremiumlounge.com/en-uk/terms-and-conditions).  
NAB is not responsible for the provision or availability of airport lounge access under the Program and, to the extent permitted by law, excludes all liability for any loss or damage arising from or in connection with the provision, non-provision or use of airport lounge access.  
NAB may vary or end this offer at any time.  
Credit cards issued by National Australia Bank Limited.
* Disclaimer 11  
**Delayed flight lounge pass**  
Complimentary Delayed Flight Lounge Passes are provided by Collinson Insurance Services Limited (which operates the LoungeKey™ Pass program), and are available to all NAB Rewards Travel Credit cardholders (Eligible Persons). The Delayed Flight Lounge Pass gives an Eligible Person plus up to 4 travel companions complimentary access to select airport lounges at select airport locations. Alternatively, if a lounge is unavailable, Eligible Persons can use their Delayed Flight Lounge Pass to offset a dollar amount off the total bill at select dining options. Availability of airport lounges and dining options vary based on location and affiliated LoungeKey™ Partners at the time. Not all airports offer Delayed Flight Lounge Pass and use of Delayed Flight Lounge Pass may be restricted to certain terminals. Access to and use of the Delayed Flight Lounge Pass is subject to the [Terms of Use (PDF, 83KB), opens in new window](https://www.nab.com.au/content/dam/nab/documents/terms-and-conditions/banking/delayed-flight-lounge-pass-terms-and-conditions.pdf) which are subject to change. You can [search for locations and the conditions of use, opens in new window](https://loungefinder.loungekey.com/Pass) applicable to each airport lounge/dining venue.  
Delayed Flight Lounge Passes are not available where flights are cancelled or rescheduled to 24 hours after the flight's scheduled departure time (which will be handled by the airline directly via their own compensation process). Delayed Flight Lounge Passes are provided on a non-transferable, non-refundable and non-changeable basis. NAB is not responsible for the issue of Delayed Flight Lounge Passes, and excludes all liability for any loss or damage in connection with the issue, non-issue or use of a Delayed Flight Lounge Pass to the extent permitted by law.
* Disclaimer 12  
**Earning NAB Rewards Points**  
NAB Rewards Points are earned and redeemed in accordance with the [NAB Rewards Terms and Conditions (PDF, 211KB), opens in new window](https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/nab-rewards-terms-and-conditions.pdf). These terms describe the purchases not eligible to earn NAB Rewards points. You must have an open and active NAB Rewards credit card account to earn NAB Rewards points.  
**Automatically redeem every 3 of your NAB Rewards Bonus Points for 1 Velocity Point**.You must provide your Velocity Frequent Flyer membership number to NAB in order to have your NAB Rewards points automatically redeemed for Velocity Points. Each month NAB Rewards points you've earned will be transferred to Velocity with 3 NAB Rewards Bonus Points = 1 Velocity Point.
* Disclaimer 13  
**Mobile phone insurance**  
Complimentary Mobile Phone insurance (covering Accidental Damage and Theft to Your Eligible Mobile Telephone) is provided under a group policy issued by AIG Australia Limited (ABN 93 004 727 753, AFSL 381 686) (AIG) to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (NAB). Cover is available to all NAB Rewards Travel, NAB Rewards, NAB Velocity Rewards Premium, NAB flybuys Rewards, NAB Low Rate Platinum, NAB Low Fee Platinum, NAB Low Rate and NAB Low Fee Credit Cardholders (Eligible Person). Eligible Persons can claim under the Group Policy as third-party beneficiaries in accordance with section 48 of the Insurance Contracts Act 1984 (Cth).  
If an Eligible Person wishes to claim, such claim will be subject to the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits as further detailed in the [terms and conditions (PDF, 145KB), opens in new window](https://www.nab.com.au/content/dam/nab/documents/terms-and-conditions/banking/mobile-phone-protection-insurance-terms-and-conditions.pdf) for such coverage which is available at [nab.com.au/personal/insurance/complimentary-card-insurances](https://www.nab.com.au/content/nabrwd/en/personal/insurance/complimentary-card-insurances.html).  
To be eligible for coverage Eligible Persons must have a contract with a mobile phone provider and a monthly billing arrangement using their eligible NAB card. Any advice provided by NAB about this insurance is general advice only and is not based on any consideration of an Eligible Person’s objectives, financial situation, or needs. Eligible Persons must determine whether or not it is appropriate, in light of their own circumstances, to act on this advice.  
AIG as product issuer is not providing any financial advice about this insurance. NAB is not the product issuer, and neither NAB or its related bodies corporate guarantee any of the benefits under this insurance cover.
* Disclaimer 14  
**NAB Rewards Travel Card – Earning NAB Points and NAB Points Booster**  
Points are earned and redeemed in accordance with the [NAB Rewards Terms and Conditions (PDF, 211KB), opens in new window](https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/nab-rewards-terms-and-conditions.pdf) available at [rewards.nab.com.au, opens in new window](https://rewards.nab.com.au/en/home.html). These terms describe the purchases not eligible to earn points. You must have an open and active NAB Rewards credit card account to earn points. Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes.  
**Bonus points on groceries, petrol, public transport and travel:**  
When you spend under $10,000 on eligible purchases in a Rewards Statement period (calendar month): 1.5 NAB Rewards Points + 1 additional NAB Rewards Point (Bonus Points).​  
 When you spend over $10,000 on eligible purchases in a Rewards Statement period (calendar month): 0.5 NAB Rewards Point + 1 additional NAB Rewards Point (Bonus Points).​  
Points Booster is subject to the [NAB Rewards Terms and Conditions, opens in new window](https://rewards.nab.com.au/en/footer-page/termsncondition.html "https://rewards.nab.com.au/en/footer-page/termsncondition.html"). Only eligible transactions under those terms and conditions earn points and Bonus Points. Points are credited to your points balance after the eligible transaction is credited to your NAB Rewards credit card account: for standard points within 10 business days of processing and for Bonus Points within 3 business days of the standard points being processed. Details are correct as at 1 October 2026​ and are subject to change by NAB.  
Eligibility for additional points for groceries, petrol, public transport and travel are determined by a merchant's Merchant Category Code (MCC). NAB is not responsible for designating MCCs and has no control over the same. You’re unable to get points if you use an intermediary platform such as PayPal or a delivery platform such as Uber Eats for these transactions.
* Disclaimer 15  
**NAB Rewards Travel Card — Velocity auto redemption offer**  
Offer commenced on 1 October 2026 and continues until withdrawn (Offer Period). NAB may vary or withdraw this offer at any time. If the offer is varied or withdrawn, reasonable notice will be given where possible. To be eligible for the offer of up to 90,000 Velocity bonus Points (automatically redeemed from 270,000 NAB Rewards Bonus Points), you must:  
   * be a Velocity Frequent Flyer member  
   * apply for a new personal NAB Rewards Travel Credit Card with Velocity before the offer is withdrawn  
   * have your application approved  
   * provide your Velocity membership number to NAB to enrol in Auto Redemption  
   * spend at least $5,000 on everyday purchases using your new card within 90 days of account opening  
   * maintain your account in good standing for at least 12 months.  
You must provide your Velocity membership number to enrol in Auto Redemption, which enables your NAB Rewards Points to be automatically redeemed for Velocity Points. Once your application has been approved, NAB will email you instructions on how to provide your Velocity membership number. The redemption of the Velocity Frequent Flyer membership and Velocity Points are subject to the [Velocity membership Terms and Conditions, opens in new window](https://experience.velocityfrequentflyer.com/member-support/terms-conditions).  
Points will be awarded on a tiered basis – 150,000 NAB Rewards Bonus Points will be awarded when you spend $5,000 on everyday purchases within 90 days of opening your account. These points will be credited to your NAB Rewards points balance and automatically redeemed for 50,000 Velocity Points within 90 days of meeting the spend criteria. A further 120,000 NAB Rewards Bonus Points will be awarded once you have held your card for over 12 months. These points will be credited to your NAB Rewards points balance during the 13th month after account opening and automatically redeemed for 40,000 Velocity Points within 30 days of being credited. The name on the credit card account must match the name associated with the enrolled Velocity membership number. Offer is limited to a maximum of 270,000 NAB Rewards Bonus Points per Velocity account.  
Everyday purchases are eligible transactions under the NAB Rewards Terms and Conditions and exclude transactions including those that NAB decides are wholly or partly for gambling or gaming purposes. Please refer to the [NAB Rewards Terms and Conditions, opens in new window](https://rewards.nab.com.au/en/footer-page/termsncondition.html) for more information.  
You are not eligible for Bonus Points if you currently hold, or have held, a personal NAB Rewards Credit Card in the last 24 months. Offer is not available in conjunction with any other NAB credit card offer and does not apply if you are closing, switching from, or transferring an existing NAB credit card account.

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**Fees and charges** 
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# Source: http://www.plazapremiumlounge.com/en-uk/terms-and-conditions

[Your Destination Before Departure ](https://www.plazapremiumlounge.com/en-uk/your-destination-before-departure "Your Destination Before Departure") 

[](https://www.plazapremiumlounge.com/en-uk)

[Your Destination Before Departure](https://www.plazapremiumlounge.com/en-uk/your-destination-before-departure "Your Destination Before Departure") [Book Now](javascript:; "Book Now") 

[ ](#) 

[ ](#) 

[](https://www.plazapremiumlounge.com/en-uk)

* [Locations](#)
* [Locations](#)  
   * Chinese Mainland, Hong Kong, Macau and Taiwan regions  
   * Americas  
   * Europe  
   * Asia Pacific  
   * India/Middle East/Africa  
   * Chinese Mainland  
   * Hong Kong SAR  
   * Macau SAR  
   * Taiwan  
   * [Beijing (PEK/PKX)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/beijing)  
     
   * [Cangzhou](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/cangzhou)  
     
   * [Changchun (CGQ)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/changchun)  
   * [Changsha (CSX)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/changsha)  
     
   * [Chengdu (CTU/TFU)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/chengdu)  
   * [Chongqing (CKG)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/chongqing)  
     
   * [Dali (DLU)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/dali)  
   * [Dalian (DLC)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/dalian)  
   * [Dehong (LUM)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/dehong)  
   * [Diqing (DIG)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/diqing-dig)  
   * [Fuzhou (FOC)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/fuzhou-foc)  
   * [Guangzhou (CAN)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/guangzhou)  
     
   * [Guiyang (KWE)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/guiyang)  
     
   * [Haikou (HAK)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/haikou)  
   * [Hangzhou (HGH)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/hangzhou)  
     
   * [Harbin (HRB)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/harbin)  
   * [Hefei (HFE)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/hefei)  
   * [Jieyang (SWA)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/jieyang)  
   * [Jilin](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/jilin)  
   * [Jinan (TNA)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/jinan)  
   * [Jinghong (JHG)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/jinghong)  
   * [Jinzhou (JNZ)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/jinzhou-jnz)  
   * [Kunming (KMG)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/kunming)  
     
   * [Langfang](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/langfang)  
   * [Lanzhou (LHW)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/lanzhou)  
   * [Leshan](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/leshan)  
   * [Libo](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/libo)  
     
   * [Lijiang (LJG)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/lijiang)  
   * [Nanchang (KHN)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/nanchang)  
   * [Nanjing (NKG)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/nanjing)  
     
   * [Nanning (NNG)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/nanning)  
   * [Nanyang (NNY)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/nanyang)  
   * [Ningbo (NGB)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/ningbo)  
   * [Qingdao (TAO)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/qingdao)  
     
   * [Quanzhou (JJN)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/quanzhou-jjn)  
   * [Sanya (SYX)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/sanya)  
   * [Shanghai (PVG/SHA)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/shanghai)  
     
   * [Shenyang (SHE)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/shenyang)  
   * [Shenzhen (SZX)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/shenzhen)  
     
   * [Suzhou (SZH)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/suzhou)  
     
   * [Taiyuan (TYN)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/taiyuan)  
     
   * [Tengchong (TCZ)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/tengchong)  
   * [Tianjin](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/tianjin)  
   * [Urumqi (URC)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/urumqi)  
   * [Wuhan (WUH)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/wuhan)  
     
   * [Wuxi (WUX)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/wuxi)  
   * [Xiamen (XMN)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/xiamen)  
   * [Xi'an (XIY)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/xian)  
     
   * [Zhangjiakou](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/zhangjiakou)  
     
   * [Zaozhuang](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/zaozhuang)  
     
   * [Zhaotong (ZAT)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/zhaotong-zat)  
   * [Zhengzhou (CGO)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/zhengzhou)  
   * [Zibo](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/zibo)  
     
   * [Zhuhai (ZUH)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/zhuhai)  
   * [Hong Kong (HKG)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/hong-kong/hong-kong)  
   * [Macau (MFM)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/macau/macau)  
   * [Taipei (TPE/TSA)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/taiwan/taipei)  
   * Argentina  
   * Bermuda  
   * Brazil  
   * Canada  
   * Chile  
   * Colombia  
   * El Salvador  
   * Mexico  
   * United States  
   * [Buenos Aires (EZE)](https://www.plazapremiumlounge.com/en-uk/find/americas/argentina/buenos-aires)  
   * [Hamilton (BDA)](https://www.plazapremiumlounge.com/en-uk/find/americas/bermuda/hamilton-bda)  
   * [Rio de Janeiro (GIG)](https://www.plazapremiumlounge.com/en-uk/find/americas/brazil/rio-de-janeiro)  
   * [São Paulo (GRU)](https://www.plazapremiumlounge.com/en-uk/find/americas/brazil/sao-paulo)  
   * [Quebec (YQB)](https://www.plazapremiumlounge.com/en-uk/find/americas/canada/quebec)  
   * [Edmonton (YEG)](https://www.plazapremiumlounge.com/en-uk/find/americas/canada/edmonton)  
   * [Montreal (YUL)](https://www.plazapremiumlounge.com/en-uk/find/americas/canada/montreal)  
   * [Toronto (YYZ)](https://www.plazapremiumlounge.com/en-uk/find/americas/canada/toronto)  
     
   * [Vancouver (YVR)](https://www.plazapremiumlounge.com/en-uk/find/americas/canada/vancouver)  
     
   * [Winnipeg (YWG)](https://www.plazapremiumlounge.com/en-uk/find/americas/canada/winnipeg)  
   * [Santiago (SCL)](https://www.plazapremiumlounge.com/en-uk/find/americas/south-america/santiago-scl)  
   * [Barranquilla (BAQ)](https://www.plazapremiumlounge.com/en-uk/find/americas/colombia/barranquilla)  
   * [Bogota (BOG)](https://www.plazapremiumlounge.com/en-uk/find/americas/colombia/bogota)  
   * [Bucaramanga (BGA)](https://www.plazapremiumlounge.com/en-uk/find/americas/colombia/bucaramanga)  
   * [Cartagena (CTG)](https://www.plazapremiumlounge.com/en-uk/find/americas/colombia/cartagena)  
   * [Cali (CLO)](https://www.plazapremiumlounge.com/en-uk/find/americas/colombia/cali)  
   * [Medellin (MDE)](https://www.plazapremiumlounge.com/en-uk/find/americas/colombia/medellin)  
   * [San Salvador (SAL)](https://www.plazapremiumlounge.com/en-uk/find/americas/el-salvador/san-salvador)  
   * [Cancún (CUN)](https://www.plazapremiumlounge.com/en-uk/find/americas/mexico/cancun)  
   * [Atlanta (ATL)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/atlanta-atl)  
     
   * [Austin (AUS)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/austin-aus)  
     
   * [Cincinnati (CVG)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/cincinnati-cgv)  
     
   * [Cleveland (CLE)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/cleveland-hopkins-international-airport-cle)  
     
   * [Dallas Fort Worth (DFW)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/dallas-fort-worth)  
   * [Columbus (CMH)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/columbus-cmh)  
     
   * [Detroit (DTW)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/detroit-dtw)  
     
   * [Jacksonville (JAX)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/jacksonville-jax)  
     
   * [Milwaukee (MKE)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/milwaukee-mke)  
     
   * [Minneapolis (MSP)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/minneapolis-msp)  
     
   * [New Orleans (MSY)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/new-orleans-msy)  
     
   * [New York (JFK)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/new-york)  
   * [Oklahoma City (OKC)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/oklahoma-city-okc)  
     
   * [Orlando (MCO)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/orlando)  
     
   * [Palm Springs (PSP)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/palm-springs-psp)  
     
   * [Pittsburgh (PIT)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/pittsburgh-pit)  
     
   * [Reno (RNO)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/reno-rno)  
     
   * [Sacramento (SMF)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/sacramento-smf)  
     
   * [Saint Louis (STL)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/saint-louis-stl)  
     
   * [San Francisco (SFO)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/san-francisco)  
     
   * [Washington D.C. (DCA/IAD)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/washington-dc)  
     
   * Denmark  
   * Finland  
   * France  
   * Georgia  
   * Germany  
   * Greece  
   * Hungary  
   * Italy  
   * Latvia  
   * Macedonia  
   * Spain  
   * Sweden  
   * Switzerland  
   * Türkiye  
   * United Kingdom  
   * [Copenhagen (CPH)](https://www.plazapremiumlounge.com/en-uk/find/europe/denmark/copenhagen)  
   * [Helsinki (HEL)](https://www.plazapremiumlounge.com/en-uk/find/europe/finland/helsinki)  
   * [Marseille (MRS)](https://www.plazapremiumlounge.com/en-uk/find/europe/france/marseille)  
   * [Batumi (BUS)](https://www.plazapremiumlounge.com/en-uk/find/europe/georgia/batumi-bus)  
   * [Tbilisi (TBS)](https://www.plazapremiumlounge.com/en-uk/find/europe/georgia/tbilisi-tbs)  
   * [Frankfurt (FRA)](https://www.plazapremiumlounge.com/en-uk/find/europe/germany/frankfurt)  
   * [Athens (ATH)](https://www.plazapremiumlounge.com/en-uk/find/europe/greece/athens)  
   * [Corfu (CFU)](https://www.plazapremiumlounge.com/en-uk/find/europe/greece/corfu)  
   * [Heraklion (HER)](https://www.plazapremiumlounge.com/en-uk/find/europe/greece/heraklion)  
   * [Mykonos (JMK)](https://www.plazapremiumlounge.com/en-uk/find/europe/greece/mykonos)  
   * [Rhodes (RHO)](https://www.plazapremiumlounge.com/en-uk/find/europe/greece/rhodes)  
   * [Budapest (BUD)](https://www.plazapremiumlounge.com/en-uk/find/europe/hungary/budapest)  
   * [Bergamo (BGY)](https://www.plazapremiumlounge.com/en-uk/find/europe/italy/bergamo-bgy)  
   * [Milan (LIN/MXP)](https://www.plazapremiumlounge.com/en-uk/find/europe/italy/milan-%28lin-mxp%29)  
   * [Rome (FCO)](https://www.plazapremiumlounge.com/en-uk/find/europe/italy/rome)  
   * [Riga (RIX)](https://www.plazapremiumlounge.com/en-uk/find/europe/latvia/riga-rix)  
   * [Ohrid (OHD)](https://www.plazapremiumlounge.com/en-uk/find/europe/north-macedonia/ohrid-ohd)  
   * [Skopje (SKP)](https://www.plazapremiumlounge.com/en-uk/find/europe/north-macedonia/skopje-skp)  
   * [Madrid (MAD)](https://www.plazapremiumlounge.com/en-uk/find/europe/spain/madrid)  
   * [Gothenburg (GOT)](https://www.plazapremiumlounge.com/en-uk/find/europe/sweden/gothenburg)  
   * [Stockholm (ARN)](https://www.plazapremiumlounge.com/en-uk/find/europe/sweden/stockholm)  
   * [Geneva (GVA)](https://www.plazapremiumlounge.com/en-uk/find/europe/switzerland/geneva)  
   * [Zurich (ZRH)](https://www.plazapremiumlounge.com/en-uk/find/europe/switzerland/zurich)  
   * [Adana (COV)](https://www.plazapremiumlounge.com/en-uk/find/europe/turkiye/adana-cov)  
   * [Ankara (ESB)](https://www.plazapremiumlounge.com/en-uk/find/europe/turkiye/ankara-esb)  
   * [Antalya (AYT)](https://www.plazapremiumlounge.com/en-uk/find/europe/turkiye/antalya-ayt)  
   * [Bodrum (BJV)](https://www.plazapremiumlounge.com/en-uk/find/europe/turkiye/bodrum-bjv)  
   * [Istanbul (SAW)](https://www.plazapremiumlounge.com/en-uk/find/europe/turkiye/istanbul)  
   * [Diyarbakır (DIY)](https://www.plazapremiumlounge.com/en-uk/find/europe/turkiye/diyarbakir-diy)  
   * [Izmir (ADB)](https://www.plazapremiumlounge.com/en-uk/find/europe/turkiye/izmir-adb)  
   * [Bristol (BRS)](https://www.plazapremiumlounge.com/en-uk/find/europe/united-kingdom/bristol-brs)  
   * [East Midlands (EMA)](https://www.plazapremiumlounge.com/en-uk/find/europe/united-kingdom/east-midlands-ema)  
   * [Edinburgh (EDI)](https://www.plazapremiumlounge.com/en-uk/find/europe/united-kingdom/edinburgh)  
   * [Isle of Man (IOM)](https://www.plazapremiumlounge.com/en-uk/find/europe/united-kingdom/isle-of-man)  
   * [London (LHR / LGW / STN)](https://www.plazapremiumlounge.com/en-uk/find/europe/united-kingdom/london)  
   * [Manchester (MAN)](https://www.plazapremiumlounge.com/en-uk/find/europe/united-kingdom/manchester-man)  
   * Australia  
   * Bangladesh  
   * Cambodia  
   * Indonesia  
   * Japan  
   * Kazakhstan (Central Asia)  
   * Malaysia  
   * Myanmar  
   * New Zealand  
   * Palau  
   * Philippines  
   * Singapore  
   * Solomon Islands  
   * South Korea  
   * Thailand  
   * Vietnam  
   * [Adelaide (ADL)](https://www.plazapremiumlounge.com/en-uk/find/asia/australia/adelaide)  
   * [Brisbane (BNE)](https://www.plazapremiumlounge.com/en-uk/find/asia/australia/brisbane)  
   * [Melbourne (MEL)](https://www.plazapremiumlounge.com/en-uk/find/asia/australia/melbourne)  
   * [Sydney (SYD)](https://www.plazapremiumlounge.com/en-uk/find/asia/australia/sydney)  
   * [Cox's bazar (CXB)](https://www.plazapremiumlounge.com/en-uk/find/asia/bangladesh/cox-s-bazar-cxb)  
   * [Dhaka (DAC)](https://www.plazapremiumlounge.com/en-uk/find/asia/bangladesh/dhaka-dac)  
   * [Sylhet (ZYL)](https://www.plazapremiumlounge.com/en-uk/find/asia/bangladesh/sylhet)  
   * [Phnom Penh (KTI)](https://www.plazapremiumlounge.com/en-uk/find/asia/cambodia/phnom-penh)  
   * [Ambon (AMQ)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/ambon-amq)  
   * [Balikpapan (BPN)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/balikpapan-bpn)  
   * [Bandar Lampung (TKG)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/bandar-lampung-tkg)  
   * [Banjarmasin (BDJ)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/banjarmasin-bdj)  
   * [Denpasar (DPS)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/denpasar-dps-1)  
   * [Jakarta (CGK/HLP)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/jakarta)  
   * [Jambi (DJB)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/jambi-djb)  
   * [Kupang (KOE)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/kupang-koe)  
   * [Lombok (LOP)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/lombok)  
   * [Makassar (UPG)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/makassar)  
   * [Manado (MDC)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/manado-mdc)  
   * [Medan (KNO)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/medan)  
   * [Padang (PDG)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/padang-pdg)  
   * [Palembang (PLM)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/palembang-plm)  
   * [Pinang (PGK)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/indonesia)  
   * [Pontianak (PNK)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/pontianak)  
   * [Progo (YIA)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/progo-yia)  
   * [Semarang (SRG)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/semarang-srg)  
   * [Solo (SOC)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/solo-soc)  
   * [Surabaya (SUB)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/surabaya-sub)  
   * [Fukuoka (FUK)](https://www.plazapremiumlounge.com/en-uk/find/asia/japan/fukuoka)  
   * [Nagoya (NGO)](https://www.plazapremiumlounge.com/en-uk/find/asia/japan/nagoya)  
   * [Almaty (ALA)](https://www.plazapremiumlounge.com/en-uk/find/asia/kazakhstan/almaty-ala)  
   * [Johor (JHB)](https://www.plazapremiumlounge.com/en-uk/find/asia/malaysia/johor-jhb)  
   * [Kuala Lumpur (KUL)](https://www.plazapremiumlounge.com/en-uk/find/asia/malaysia/kuala-lumpur)  
   * [Langkawi (LGK)](https://www.plazapremiumlounge.com/en-uk/find/asia/malaysia/langkawi)  
   * [Penang (PEN)](https://www.plazapremiumlounge.com/en-uk/find/asia/malaysia/penang)  
   * [Mandalay (MDL)](https://www.plazapremiumlounge.com/en-uk/find/asia/myanmar/mandalay)  
   * [Auckland](https://www.plazapremiumlounge.com/en-uk/find/asia/new-zealand/auckland)  
   * [Christchurch (CHC)](https://www.plazapremiumlounge.com/en-uk/find/asia/new-zealand/christchurch)  
   * [Queenstown (ZQN)](https://www.plazapremiumlounge.com/en-uk/find/asia/new-zealand/queenstown)  
   * [Koror (ROR)](https://www.plazapremiumlounge.com/en-uk/find/asia/palau/koror)  
   * [Cebu (CEB)](https://www.plazapremiumlounge.com/en-uk/find/asia/philippines/cebu)  
   * [Clark (CRK)](https://www.plazapremiumlounge.com/en-uk/find/asia/philippines/clark)  
   * [Manila (MNL)](https://www.plazapremiumlounge.com/en-uk/find/asia/philippines/manila)  
   * [Singapore (SIN)](https://www.plazapremiumlounge.com/en-uk/find/asia/singapore/singapore)  
     
   * [Honiara (HIR)](https://www.plazapremiumlounge.com/en-uk/find/asia/solomon-islands/honiara-hir)  
   * [Busan (PUS)](https://www.plazapremiumlounge.com/en-uk/find/asia/south-korea/busan)  
   * [Seoul (ICN/GMP)](https://www.plazapremiumlounge.com/en-uk/find/asia/south-korea/seoul)  
     
   * [Bangkok (BKK/DMK)](https://www.plazapremiumlounge.com/en-uk/find/asia/thailand/bangkok)  
   * [Chiang Mai (CNX)](https://www.plazapremiumlounge.com/en-uk/find/asia/thailand/chiang-mai)  
   * [Chiang Rai (CEI)](https://www.plazapremiumlounge.com/en-uk/find/asia/thailand/chiang-rai)  
   * [Hat Yai (HDY)](https://www.plazapremiumlounge.com/en-uk/find/asia/thailand/hat-yai)  
   * [Krabi (KBV)](https://www.plazapremiumlounge.com/en-uk/find/asia/thailand/krabi-kbv)  
   * [Phuket (HKT)](https://www.plazapremiumlounge.com/en-uk/find/asia/thailand/phuket)  
   * [Udon Thani (UTH)](https://www.plazapremiumlounge.com/en-uk/find/asia/thailand/udon-thani)  
   * [Buon Ma Thuot (BMV)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/hanoi-1)  
     
   * [Can Tho (VCA)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/can-tho-vca)  
   * [Chu Lai (VCL)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/chu-lai-vcl)  
   * [Con Dao (VCS)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/con-dao-vcs)  
   * [Da Nang (DAD)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/da-nang)  
   * [Dien Bien Phu (DIN)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/hanoi-3)  
   * [Duc Trong (DLI)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/hanoi-4)  
   * [Hai Phong (HPH)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/cat-bi-hph)  
   * [Hanoi (HAN)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/hanoi)  
   * [Ho Chi Minh City (SGN)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/hochiminhcity)  
     
   * [Hue (HUI)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/hue-hui)  
   * [Loc Ninh (VDH)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/dong-hoi-vdh)  
   * [Nha Trang (CXR)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/nha-trang)  
   * [Phu Cat (UIH)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/phu-cat-uih)  
   * [Phu Quoc City (PQC)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/phu-quoc-city-pqc)  
   * [Pleiku (PXU)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/pleiku-pxu)  
   * [Tho Xuan (THD)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/tho-xuan-thd)  
   * [Tuy Hoa (TBB)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/tuy-hoa-tbb)  
   * [Vinh (VII)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/vinh-vii)  
   * Botswana  
   * Egypt  
   * Ethiopia  
   * Ghana  
   * India  
   * Jordan  
   * Kenya  
   * Madagascar  
   * Mozambique  
   * Nigeria  
   * Oman  
   * Qatar  
   * Saudi Arabia  
   * South Africa  
   * Tanzania  
   * Tunisia  
   * United Arab Emirates  
   * Zimbabwe  
   * [Gaborone (GBE)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/botswana/gaborone-gbe)  
   * [Kasane (BBK)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/botswana/kasane-bbk)  
   * [Maun (MUB)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/botswana/maun-mub)  
   * [Cairo (CAI)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/egypt/cairo)  
   * [Addis Ababa (ADD)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/ethiopia/addis-ababa)  
   * [Accra (ACC)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/west-africa/accra-acc)  
   * [Kumasi (KMS)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/west-africa/kumasi-kms)  
   * [Ahmedabad (AMD)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/india/ahmedabad)  
   * [Bhubaneswar (BBI)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/india/bhubaneswar-%28bbi%29)  
   * [Bangalore (BLR)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/india/bangalore)  
   * [Guwahati (GAU)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/india/guwahati-gau)  
   * [Mumbai (BOM)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/india/mumbai)  
   * [Jaipur (JAI)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/india/jaipur-jai)  
   * [Lucknow (LKO)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/india/lucknow-lko)  
   * [Trivandrum (TRV)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/india/trivandrum-trv)  
   * [Tiruchirappalli (TRZ)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/india/tiruchirappalli-%28trz%29)  
   * [Amman (AMM)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/jordan/amman)  
   * [Nairobi (NBO)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/kenya/nairobi)  
   * [Antananarivo (TNR)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/madagascar/antananarivo-tnr)  
   * [Maputo (MPM)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/mozambique/mozambique-mpm)  
   * [Abuja (ABV)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/west-africa-1/abuja)  
   * [Lagos (LOS)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/west-africa-1/lagos)  
   * [Duqm (DQM)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/oman/duqm-dqm)  
   * [Muscat (MCT)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/oman/muscat)  
   * [Doha (DOH)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/qatar/doha)  
   * [Abha (AHB)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/abha-international-airport-ahb)  
   * [Al Baha (ABT)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/al-baha-abt)  
   * [Al Duwadimi (DWD)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/al-duwadimi-dwd)  
   * [Al Jouf (AJF)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/al-jouf-ajf)  
   * [Al Qaisumah (AQI)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/al-qaisumah-aqi)  
   * [Al Qassim (ELQ)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/al-qassim-elq)  
   * [Al Qurayyat (URY)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/al-qurayyat-ury)  
   * [AL Turaif (TUI)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/al-turaif-tui)  
   * [Al Ula (ULH)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/al-ula-ulh)  
   * [Al Wajh (EJH)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/al-wajh-%28ejh%29)  
   * [Arar (RAE)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/arar-rae)  
   * [Bisha (BHH)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/bisha-bhh)  
   * [Hail (HAS)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/hail-has)  
   * [Madinah (MED)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/madinah-med)  
     
   * [Makkah (MAK)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/haramain-high-speed-railway-makkah-mak)  
     
   * [Dammam (DMM)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/dammam)  
   * [Jeddah (JED)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/jeddah)  
     
   * [Jizan (GIZ)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/jizan-giz)  
   * [Hanak (RSI)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/hanak-rsi)  
   * [Najran (EAM)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/najran-eam)  
   * [Taif (TIF)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/taif-regional-airport-tif)  
   * [Tabuk (TUU)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/tabuk-tuu)  
   * [Riyadh (RUH)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/riyadh)  
   * [Wadi Al Dawasir (WAE)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/wadi-al-dawasir-wae)  
   * [Yanbu (YNB)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/yanbu-ynb)  
   * [Durban (DUR)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/south-africa/durban)  
   * [Johannesburg (JNB)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/south-africa/johannesburg)  
   * [Zanzibar (ZNZ)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/tanzania/zanzibar)  
   * [Dar es Salaam (DAR)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/tanzania/dar-es-salaam)  
   * [Enfidha (NBE)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/tunisia/enfidha)  
   * [Monastir (MIR)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/tunisia/monastir-mir)  
   * [Abu Dhabi (AUH)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/united-arab-emirates/abu-dhabi)  
   * [Dubai (DXB)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/united-arab-emirates/dubai)  
   * [Harare (HRE)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/zimbabwe/harare)
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## Terms and Conditions

Last updated: 29 Sep 2025

By using the Services, you agree you have read and understood the terms in these Terms and Conditions which are applicable to you. These Terms and Conditions constitute a legally binding agreement between you and Plaza Premium Group. These Terms and Conditions apply to your use of the Services provided by Plaza Premium Group. If you do not agree to these Terms and Conditions, please do not use or continue using the Services.

Plaza Premium Group reserves the right to change these Terms and Conditions at any time and from time to time without notice. The new version of these Terms and Conditions will be posted on the Website and will take effect upon posting. Your continued use of the Services after any such amendments, whether or not reviewed by you, shall constitute your agreement to be bound by such amendments. For the purposes of these Terms and Conditions any reference to "we", "us" and "our" refers to Plaza Premium Group.

**_(A) TERMS AND CONDITIONS_**

**1\. TERMS AND CONDITIONS**‍

1.1 These are these Terms and Conditions on which we, Plaza Premium Group supply the Services to you.

1.2 Please read these Terms and Conditions carefully, along with the Terms and Conditions available on the booking review page, before you submit your Order to us. These Terms and Conditions explain how we will provide the Services to you, how you and we may change or terminate the contract, what to do if there is a problem, and other important information. In the event of any inconsistencies between these Terms and Conditions and any other terms that may be contained on the Website, the terms of these Terms and Conditions shall prevail unless otherwise specified.

**2\. OUR CONTRACT WITH YOU**

2.1 When an Order is submitted to us, the Order constitutes an offer by you to purchase Services in accordance with these Terms and Conditions.

2.2 You acknowledge that our Services are subject to availability. We will endeavour to provide you with the Services, however, for whatever reason, if we are unable to accept your submitted Order, we will inform you of this in writing and:

2.2.1 where you have not made any payment for the Services, we will not charge you for the Services; or

2.2.2 where you have made payment for the Services, we will provide a refund to you.

2.3 Our acceptance of your Order will take place when we inform you by email or such other form of communication at our discretion that we are able to provide you with the Services, at which point and on which date a Contract shall come into existence between you and us.

2.4 Any quotation given by us shall not constitute an offer.

2.5 Any samples, drawings, descriptive matter or advertising issued by Plaza Premium Group, and any descriptions or illustrations contained in its catalogues or brochures, are issued or published for the sole purpose of giving an approximate idea of the Services described in them. They shall not form part of the Contract or have any contractual force.

2.6 These Terms and Conditions apply to the Contract to the exclusion of any other terms that you seek to impose or incorporate, or which are implied by law, trade custom, practice or course of dealing.

**2.7 Information required in the Order**

2.7.1 We will need certain information from you so that we can provide the Services to you. For example, you will need to provide your name, contact details, flight details, passport information and other relevant information when submitting an Order. If you have not provided the information we marked as mandatory in the Order, we will contact you in writing to ask for such information. If you do not, within a reasonable time of us asking for it, provide us with this information, we may reject your Order and we will not be liable to provide any Services to you.

2.7.2 We may also require certain information from persons other than you so that we can provide the Services to you. For example, you will need to provide name(s) and contact detail(s) and other relevant information of your other guests and the person picking you up at the airport (if any). By providing such information, you represent and warrant that you have notified and obtained necessary consents from them to send us such information for the purposes of these Terms and Conditions.

2.7.3 We shall not be liable for not providing any part of the Services, if the reason for our failure to provide our Services is any of the following:

* You failed to give us the information we need within a reasonable time of us asking for it; or
* The information you provide us with is not complete or accurate or where you have failed to obtain the consent of any third party information as specified in clause 2.7.2 above.

**2.8 Orders from Partners**

2.8.1 Orders or bookings placed by Partners on your behalf will be subject to these Terms and Conditions as far as it is applicable to you as a Customer save that you shall be responsible for the arrangements made between you and a Partner and Plaza Premium Group will not be responsible or liable to you for such arrangements.

**3\. PAYMENT OBLIGATIONS**

3.1 In consideration for our provision of the Services, you shall pay us the Fees and any applicable taxes in full upon submission of your Order. 

3.2 Customers shall make payment for the Services when booking via any one of the payment methods specified on the Website subject to any instructions which we may require or imposed by the payment service provider or issuing bank.

3.3 Unless otherwise specified by us, no discount is permitted.

3.4 All amounts due under the Contract shall be paid in full without any set-off, counterclaim, deduction or withholding. We will not provide the Services to you if we do not receive payment of such amounts in full from you within the prescribed timeline.

3.5 A Transaction Fee could be imposed on your total transaction amount by the payment service provider or the issuing bank. You shall be solely liable to pay the Transaction Fee. We are not responsible for any liabilities arising from non-payment of Transaction Fee.

**4\. DATA PROTECTION AND SECURITY**

4.1 Your privacy is very important to us, and we are committed to protecting your personal data. Your personal data will be collected, used, disclosed and otherwise processed in accordance with our Privacy Policy. The Privacy Policy applies to all of our Services and its terms are made part of these Terms and Conditions by this reference. Please read our [Privacy Policy](https://www.plazapremiumlounge.com/en-uk/discover/data-privacy-security-policy) before submitting an Order to us.

**5\. SERVICES OFFERED OR PROVIDED BY THIRD PARTIES**

5.1 You may enter into contract with third parties for Third Party Services through the Website. Such agreement is strictly between you and the applicable third party and we shall have no liability or obligation for any such agreement. Prior to your use of the Third Party Services, you acknowledge that you may be required to abide and comply to their terms and conditions and privacy policies, and we disclaim any liability arising from such agreements between you and the applicable third party. We are not liable for any information that you provide to or authorise us to provide to a third party, or for such third party’s collection, use and disclosure of such information.

5.2 We may include links to other third parties’ websites which are not under our control and we are not liable for any errors, omissions, defamation, libel, slander or inaccuracy in the content, or the consequences of accessing, any third parties’ website. You agree that your access to or use of such third parties’ websites is entirely at your own risk.

**6\. EXCLUSION OF LIABILITY**

6.1 We shall not be liable for our failure to provide part or all of our Services, and will not provide you with any refund for our Services if any of the following events occurs unless otherwise specified by us to you:

* For arrivals guest service: if, due to no fault of our own, you do not respond to our welcome placard after all of the passengers within the same flight have disembarked;
* For departures guest service: if you fail to appear at the meeting point as agreed between us 30 mins after our scheduled meeting time.;
* If our performance of the Services is affected by an event outside our control, or any terms, restrictions or controls by the authority then we will contact you as soon as possible to let you know and we will take steps to minimise the effect of the delay.

**7\. LIMITATION OF LIABILITY**

7.1 Notwithstanding any limitation or exclusions of liability as stated in these Terms and Conditions, we do not exclude or limit in any way our liability to you in the event of the following:

* Liability for death or personal injury caused by our negligence (or the negligence of our employees, agents or subcontractors);
* Fraud or fraudulent misrepresentation;
* Deliberate or wilful act of misconduct; or
* Any other liabilities which cannot be limited or excluded under applicable law.

7.2 Subject to clause 7.1: 

* we shall not have any liability to you for any indirect or consequential loss not in the contemplation of the Parties arising under or in connection with these Terms and Conditions; and
* our total liability in aggregate to you arising under or in connection with these Terms and Conditions shall not exceed the Fees paid by you in respect of the Services.

**8\. INDEMNITY**

8.1 You shall defend, continually release, discharge, indemnify, and hold us, our Affiliates and the respective directors, officers, employees, agents, subcontractors, third-party service providers harmless from and against any and all claims, suits, demands, actions, liabilities, losses, damages, judgments or fines, or damage to any property (including, but not limited to, attorney fees, court costs and expert fees reasonably incurred) or any loss or damage sustained and/or any costs and expenses incurred in connection with your use of our Services.

**9\. TERMINATION OF CONTRACT**

9.1 You may terminate your Contract with us immediately, if any of the following events occur:

* You would like to cancel your Order and terminate your Contract with us for convenience; or
* In the event we notify you that there will be a substantial delay in the performance of our Services.

9.2 Notwithstanding the above, cancellation and/or refunds for any Order is not allowed for certain non-cancellable or non-refundable Rate Plans, subject to the relevant terms and conditions of such Rate Plans and at our absolute discretion. For any other cancellation and/or refund for any Order, it shall be subject to our absolute discretion.

9.3 Without prejudice to any of our other rights as stated elsewhere in these Terms and Conditions, we may terminate part or all of your Contract immediately as and when we deem necessary and expedient.

**10\. ASSIGNMENT**

10.1 Subject to us posting a notice of the change of the relevant terms and conditions on our Website, we may at any time transfer or assign our rights and duties under these Terms and Conditions to any third party we deem fit. Once assigned, your relationship would be with our assignee and not with us. 

**11\. NO WAIVER**

11.1 Any failure by us to enforce any right or provision in the Terms and Conditions shall not constitute a waiver of such right or provision.

**12\. FORCE MAJEURE**

12.1 We shall not be liable or responsible for any loss or damages caused to you due to our non-performance of any obligations hereunder which is rendered impossible or caused by a Force Majeure Event.

**13\. SEVERABILITY**

13.1 If any provision of these Terms and Conditions is held to be invalid or unenforceable, the legality, validity and enforceability of the remaining provisions shall not be affected or impaired.

**14\. GOVERNING LAW AND JURISDICTION**

14.1 These Terms and Conditions shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.

14.2 In the event of any dispute, controversy, difference or claim arising out of or relating to these Terms and Conditions, including the existence, validity, interpretation, performance, breach or termination thereof or any dispute regarding non-contractual obligations arising out of or relating to it, the Parties shall first attempt to resolve and settle the matter by mutual consultation in good faith. If such matter may not be resolved, it shall be referred to and finally resolved by the courts of Hong Kong.

**15\. LANGUAGE**

15.1 All non-English versions of these Terms and Conditions are translations of the original version in English for informational purposes only. In the event of conflict between the English version and the non-English versions, the English version shall prevail.

**16\. DEFINITIONS AND INTERPRETATIONS**

16.1 Unless otherwise defined in these Terms and Conditions, capitalised terms have the following meanings:

“**Additional Terms for Services**” means the additional terms and conditions relating to certain specific Services as specified in Section B - Additional Terms for Services;

“**Aerotel**” refers to the group of airport transit hotels owned, managed and/or operated by any company of Plaza Premium Group under the brand “Aerotel” or other associated brands of Plaza Premium Group; 

“**Affiliate**” or “**Affiliates**” means (a) in relation to a company, any subsidiary of that company, any holding company of that company, any other subsidiary of any such holding company and any company over which that company or any such holding company has Control; and (b) in relation to an individual, any company over which that individual has Control and any subsidiary of that company, any holding company of that company, any other subsidiary of any such holding company and any company over which that company or any such holding company has Control at the date of these Terms and Conditions;

“**Airport Authority**” shall mean the respective airport authority which is in charge of an airport in a Location;

“**Airside Lounge or Aerotel**” means the Lounge or Aerotel located in the restricted area of an airport in a Location and are only accessible to passengers who have checked in, cleared customs and passport control;

“**Business Day**” means any day excluding Saturdays, Sundays or public or bank holidays in the Territory;

“**Contract**” mmeans the contract between you and us for the supply of Services in accordance with these Terms and Conditions;

“**Control**” of a person means the power or authority, whether exercised or not, to direct the business, management and policies of such person, directly or indirectly, whether through the ownership of voting securities, by contract or otherwise, which power or authority shall conclusively be presumed to exist upon possession of beneficial ownership or power to direct the vote of more than 30% of the votes entitled to be cast at meetings of the members or shareholders of such person or power to control the composition of a majority of the board of directors of such person; the terms “Controlling” and “Controlled” shall be construed accordingly;

“**Customer**”means any person who uses the Services herein and shall include a passenger in a Location and referred to as “you” under these Terms and Conditions;

“**Fees**” means the charges payable by a Customer to Plaza Premium Group for the Services as stated in an Order;

“**Force Majeure Event**” means without limitation any unforeseeable event caused by a strike, fire, flood, earthquakes, governmental acts or orders or restrictions, which is beyond the reasonable control of a party;

“**Hotel Facilities**” refers to the availability of hotel rooms, accommodations or private resting areas provided by us, including those owned and managed by third party, in airside/landside area of an airport Location;

“**Landside Lounge or Aerotel**” means the lounge or Aerotel that located in the non-restricted area of an airport in a Location where the general public can access, unless there is a restriction that only passengers with flight tickets can enter the said airport for check in purposes; 

"**Location**” means a location where the Services are offered to Customers and includes an airport, railway station or such location where a Lounge is located;

“**Lounge**” means a lounge operated or managed by Plaza Premium Group at a Location and includes Airside Lounge, Landside Lounge and Railway Lounge or a lounge owned and managed by third party;

"**Lounge Facilities**" means the facilities provided in a Lounge (facilities in different locations may vary), including but not limited to the below facilities subject to change from time to time by Plaza Premium Group and/or Third Party Lounge Provider:

1. hot showers facilities including amenities;
2. food and beverages;
3. use of computers to access Internet;
4. DVD / VCD movie viewing ;
5. selection of local/International magazines and newspapers;
6. power and Internet connection for travellers' with laptop computers;
7. mobile/laptop battery recharging facilities;
8. telephone for local calls;
9. flight information;
10. baggage storage; and/or
11. private resting area/room/cabin/pod.

“**Order**” means a Customer’s booking order for the Services to Plaza Premium Group as set out in its authorised order or booking form or such other booking method as determined by us from time to time;

“**Partner**”means the company or entity appointed or accepted by Plaza Premium Group as its partner under its partner program and who places an Order on behalf of a Customer;

“**Plaza Premium Group**”means Plaza Premium Lounge Management Limited and/or any of its Affiliates and shall include its authorised personnel or representative;

“**Rate Plans**” means any promotional or marketing plans or packages which may be offered by us from time to time for the Services;

"**Services**" means the services which are stated on any one of the Website supplied by us to you in a Location which may be revised, updated, varied, modified or amended by us from time to time at our sole discretion;

“**Territory**” means the jurisdiction in which we provide the Services to you;

“**Terms and Conditions**” means these terms and conditions, along with the terms and conditions available on the booking review page that applicable to any Customer;

“**Third Party Services**” means the goods and/or services offered by third parties as specified on the Website;

“**Transaction Fee**” means the fee charged by a payment service provider or an issuing bank for a Customer’s total transaction amount; 

“**Website**” refers to online portal(s)/website(s) as may be adopted by Plaza Premium Group to provide the Services, including but not limited to the following subject to change from time to time:

1. [www.plazapremiumlounge.com](https://www.plazapremiumlounge.com/);
2. [www.myaerotel.com](https://www.myaerotel.com/);
3. [www.allwaysvip.com](https://www.allwaysvip.com/);
4. [www.airport-dining.com](http://www.airport-dining.com/);
5. [www.plazapremiumfirst.com](http://www.plazapremiumfirst.com/);
6. [www.www.intervalsbar.com](http://www.intervalsbar.com/); and
7. all associated websites, including microsites, of Plaza Premium Group relating to a Location.

16.2 In these Terms and Conditions, terms defined in the singular have the corresponding plural meaning when used in the plural and vice versa.

16.3 In these Terms and Conditions, the word “including” (or “include” or “includes”) means “including without limitation” and will not be considered to set forth an exhaustive list.

16.4 No approval, consent, acceptance, determination, or decision will be unreasonably withheld, conditioned, or delayed, unless these Terms and Conditions provides that the same is subject to the discretion of a Party, in which case it is subject to the sole and absolute discretion of that Party.

16.5 Whenever these Terms and Conditions require or provide for any notice, approval, consent, acceptance, determination, decision, waiver, information, or the like, the same and any request therefor must be in writing (unless otherwise waived in writing by the other Party).

16.6 Unless specified otherwise, a reference in these Terms and Conditions to a law, including any applicable law, is considered to be a reference to (a) such law as it may be amended, modified, or supplemented from time to time, (b) all regulations and rules pertaining to or promulgated pursuant to such law, (c) the successor to the law resulting from recodification or similar reorganising of laws, and (d) all future laws pertaining to the same or similar subject matter.

17\. In the event of inconsistency between Section (A) Terms and Conditions and Section (B) Additional Terms for Services, the terms and conditions under the Section (B) Additional Terms for Services shall prevail.

 **_(B) ADDITIONAL TERMS FOR SERVICES_**

**1\. LOUNGE SERVICES**

**1.1 Lounge Facilities**

1.1.1 We shall use our reasonable endeavours to provide the Lounge Facilities during the hours advertised for each Location, but reserves the right to vary the hours of operation or close the Lounge due to refurbishment, relocation or otherwise in which case an alternative Lounge will be provided or a refund of the charges will be made at our sole discretion. In the unlikely event that entry to the Lounge is refused due to capacity constraints, the Customer will receive a refund or a complimentary voucher for their next visit to the Lounge.

1.1.2 We shall use our reasonable endeavours to ensure a suitable environment is maintained in the Lounge, including but not limited to keeping the area where Lounge Facilities are provided clean and tidy, ensuring staff are on hand to respond to any queries and ensuring the removal from the Lounge any persons whose behaviour is unsuitable.

1.1.3 We shall have the right to refuse a Customer entry to the Lounge for any statutory, regulatory, Airport Authority policy reasons including but not limited to health and safety policies or fire regulations.

1.1.4 In order to maintain Customer expectations, children are not permitted to use the Lounge Facilities in certain Lounges. Please consult with our staff in the Lounges for the relevant information. Where any Lounge allows access to children, then such children must be accompanied by a Customer aged at least eighteen (18) years at all times.

1.1.5 For Airside lounge and Landside Lounge:

a) Airside Lounge: Departing passengers will need to pass through immigration and customs before proceeding to the Airside Lounge. They must obtain a boarding pass for their onward flight. The same is applicable to the transit passengers.

b) Landside Lounge: Arriving passengers can proceed to the Landside Lounge after formalities in immigration, baggage reclaims and customs. Passengers who need to stay in the airport because of early hotel check-out, delayed flight, or other reasons can stay in the Landside Lounge before catching a flight.

1.1.6 For Railway Lounge:

Customers must ensure that their selected Location corresponds with the railway area from which their train will depart. For example, those choosing Lounge in arrival area will not have access to departure Lounge near the gates. 

Departures/Transit Lounges are located in the restricted area of the railway station. VIP passengers must present valid ID documents and high-speed railway tickets and complete the security check before accessing the VIP lounges. Arrival Lounges are situated outside the restricted area. Customers must possess valid travel documents to clear security and enter the country, where applicable, in order to access this service.

**1.2 Customer's Obligations**

1.2.1 The Customer shall ensure that he is at all times appropriately dressed and shall behave in an appropriate manner. We and any third party lounge provider with whom we have entered into an arrangement for the provision of Lounge Facilities (“Third Party Lounge Provider”) reserve the right at our or the Third Party Lounge Provider’s sole and absolute discretion to refuse entry or to remove any Customer whose behaviour or mode of dress is considered by us or Third Party Lounge Provider to be unsuitable or is likely to offend other Customers.

1.2.2 Customers must not remove food and/or drinks from the Lounge and will be asked to refrain from consuming food and/or drinks in the Lounge other that food and/or drinks provided in the Lounge.

1.2.3 The Customer agrees to adhere to any no smoking policies in operation in any of the Lounge.

1.2.4 Transit passengers who wish to access a Lounge must be in possession of a valid onward boarding pass. Please contact your airline if you require details about obtaining the boarding pass for your transit/connecting flight.

1.2.5 Full payment must be made at the time of Order. Order is only considered as confirmed when payment has been received by us in full and Order confirmation email has been sent to the email address provided at the time of Order. It is your responsibility to provide a valid email address.

1.2.6 If a passenger fails to obtain an email confirmation from us, we will NOT be responsible for the availability of service upon passenger's arrival. Passenger without a confirmation letter (i.e. not a pre-paid Order) from us will be considered as a "Walk-in" customer. All Services requested upon arrival are subject to availability. 

**1.3 Cancellation Policy**

1.3.1 Customers agree to provide a minimum of 72 hours’ notice to us in the event of cancellation of a group booking. A group booking is an Order of 10 or more persons or 5 or more rooms. A minimum of 72 hours’ notice by writing to us is required in the event of cancellation of a group booking for our Lounge Facilities. No refund will be arranged for cancellation made within 72 hours prior to the reserved service date and time. All refund / changes made on a confirmed group booking are subject to a minimum of USD10 administration fee per person.

1.3.2 In the event of cancellation of Orders for private resting area (“Private Resting Area”), Customers agree to provide a minimum of 24 hours’ notice to us. No refund will be arranged for cancellations made within 24 hours’ (or such other notice period as may be determined and communicated by us to you at the time of booking) prior to the reserved service date and time. All refunds/changes made on a confirmed Private Resting Area Order are subject to a minimum administration fee of Ten United States Dollar (USD10) per person or 25% of the total Order amount, whichever is higher.

1.3.3 For all other Orders not covered in the foregoing sub-clause 1.3.2, a cancellation fee of Ten United States Dollar (USD10) per person will be charged for all Orders cancelled up to 6 hours (or such other notice period as may be determined and communicated by us to you at the time of booking) prior to the reserved service date and time. No-show or last-minute cancellations with less than the prescribed notice period will be non-refundable. 

1.3.4 For avoidance of doubt, cancellation and/or refunds are not available to Rate Plans that are non-cancellable or non-refundable. 

1.3.5 Complimentary bookings, including redemption bookings are non-cancellable and non-modifiable.

1.3.6 In the event any Customer wishes to amend an existing Order, provided that we receive at least 24 hours’ prior notice (or such other notice period as may be determined and communicated by us to you at the time of booking) of a cancellation of an Order from the Customer, we agree to provide access to Lounge Facilities to the same number of users as on the original Order, at a later date at any Location ("Alternative Lounge Facilities"), subject to prior receipt by us from the Customer of (i) confirmation of the date and Location required; (ii) a payment of Ten United States Dollar (USD10) per person per Order; and (iii) the difference between the Fees paid by the Customer in relation to the original Order and the charges in respect of the Alternative Lounge Facilities applicable as at the proposed date of use of such Alternative Lounge Facilities (whether the Alternative Lounge Facilities are located at the same Location as on the original Order for Lounge Facilities or otherwise). Any amendments to an Order shall be subject to agreement by us.

**1.4 Third Party Lounge**

1.4.1 Access to the Third Party Lounge is also subject to the terms and conditions set forth by the Third Party Lounge Provider.

**2\. HOTEL SERVICES**

**2.1 Hotel Facilities**

2.1.1 We shall reasonably endeavour to provide the Hotel Facilities during the hours advertised, but reserve the right to vary the hours of operation or close the Hotel Facilities due to refurbishment, relocation, reasons on health and safety or otherwise, in which case an alternative facility will be provided or a refund of the charges will be made at its discretion. In the unlikely event that entry is refused due to capacity constraints, the Customer will receive a complimentary voucher for their next stay.

2.1.2 We shall reasonably endeavour to ensure a suitable environment is maintained at its premises, including but not limited to keeping the area clean and tidy, ensuring staff are on hand to respond to any queries, and ensuring the removal from its premises of any persons whose behaviour is unsuitable.

2.1.3 We shall have the right to refuse a Customer entry to our Hotel Facilities for any statutory, regulatory or airport policy reasons, including but not limited to health and safety policies or fire regulations.

2.1.4 You agree to adhere to any “No Smoking” policies at our premises.

2.1.5 Access to these facilities is also subject to the terms and conditions set forth by the third party, if applicable.  
  
**2.2 Child policy for Hotel Facilities and Private Resting Area**

2.2.1 Children above the age of twelve (12) will be charged the same as an adult and supplementary charges may apply.

2.2.2 All children must be accompanied at all times by an adult Customer who is at least eighteen (18) years old.

2.2.3 We reserve the right to request for proof of age as and when we deem necessary.

2.2.4 Hotel Facilities:

* Children of under the age of twelve (12) can stay at no extra cost when sharing existing bedding when accompanied by a paying adult, up to 1 or 2 children per room where the room category, size and beddings permit.

\*Some room types can only accommodate 1 or 2 persons. Please refer to room descriptions for more details. For your convenience and comfort guest can also consider a family room or connecting room where available;

* Extra bed where available is chargeable;

2.2.5 Shower: 

* Children under the age of two (2) may enjoy complimentary access/use;
* Discounted fee is available subject to our discretion for children between two (2) and eleven (11) years old. Discounted fees are subject to availability and differ by facilities and location;

**2.3\. Booking**

2.3.1 The Hotel Facilities provided by Aerotel are subject to these Terms and Conditions, which the Customer shall be deemed to have accepted, by booking the Hotel Facilities and paying the Fees.

2.3.2 Unless otherwise specified, a booking in an Order is only confirmed when payment has been received by Aerotel in full and a written confirmation is issued to you.

2.3.3 For online bookings/ transactions made at our Website, the billing organisation will be reflected as Plaza Premium Lounge Management Limited.   
  
**2.4 Cancellation Policy**

2.4.1 Cancellations and amendments are subject to the Rate Plan selected at the time of booking.

2.4.2 Unless otherwise specified at the time of booking, or if you have booked a non-cancellable or non-refundable Rate Plan, bookings may be cancelled or amended without charge up to 24-hours (or such other notice period as may be determined and communicated by us to you at the time of booking) prior to check-in.

2.4.3 Amendments may be subject to revised pricing and are subject to availability of Hotel Facilities.

2.4.4 Late cancellation and/or failure to check-in as booked will be considered a ‘no-show’ and charged accordingly.

2.4.5 For cancellation and amendments terms of group bookings, please contact us.  
  
**3\. OTHER SERVICES (available only at the selected Location)**

**3.1 Baggage Storage**

3.1.1 Cancellations and amendments are not permitted.

3.1.2 You must not leave valuable items, such as money or passports, in your stored baggage.

3.1.3 In the event of any dispute, cancellation, or amendment, our decision shall be final and conclusive.   
  
**3.2 Shower + Baggage Storage**

3.2.1 Bookings cannot be cancelled, modified, or refunded. Failure to arrive at the Location will be considered as no-show and the full rate will be charged.

3.2.2 Usage Terms: 

* Shower Access: Shower facilities are available for a maximum of 30 minutes (subject to availability).
* Baggage Storage: You may store up to 3 bags for a maximum of 5 hours. Each bag must not exceed the dimensions of 79x53x36 cm (length + width + height).

**3.3** **Airport Limousine Bus Ticket**

3.3.1 Cancellations and amendments are not permitted.

3.3.2 Valid for one-way travel per ticket only.

3.3.3 The ticket is valid for 30 days from the date of purchase and for the specified route. Ticket(s) can be collected at the reception of the selected Lounge. 

3.3.4 Child rates are applicable for children aged up to eleven (11) years old at the time of travel.

3.3.5 Complimentary travel is available for infants/children under the age of six (6) who do not occupy a seat (a ticket must be purchased if your infant/child requires a seat).

3.3.6 Any corrections or alterations to the information printed on the ticket will render it void and invalid for travel.

3.3.7 All tickets are also subject to the terms of conditions of the bus operator.  
  
**3.4** **Foreign Exchange**

This Service is subject to the terms of conditions of the third party partner.

**4\. WI-FI CONNECTION**

**4.1 Service Description**

4.1.1 You may use the Wi-Fi service for lawful purposes only. Prohibited activities include, but are not limited to: 

* Illegal activities, such as downloading or distributing copyrighted material without permission.
* Activities that interfere with the operation of the Wi-Fi or other users.
* Sending unsolicited advertisements (spam).
* Attempting to gain unauthorised access to systems or networks.

4.1.2 The Wi-Fi service is provided on an "as is" and "as available" basis. We do not guarantee uninterrupted or error-free service.

4.1.3 We reserve the right to monitor, restrict, or terminate access to the service at our discretion and without prior notice.

4.1.4 The Wi-Fi network is not secure, and communications over the network may be subject to interception by unauthorised third parties. Use caution when transmitting sensitive information.  
  
**4.2 Data Collection**

4.2.1 When you connect to our Wi-Fi service, we may collect your device information and/or any information you provide. You have the right to access, correct, delete, and restrict the processing of your data. To exercise these rights, contact us at compliance.dpo@plaza-network.com  
  
**4.3 Liability Disclaimer**

4.3.1 We are not responsible for any loss or damage arising from your use of this Wi-Fi service, including but not limited to data breaches, service interruptions, or loss of data.  
  
**5\. Alert & Notification Feature**

**5.1 Feature Description**

5.1.1 Our alert and notification feature via WhatsApp(or any other messaging platform, as the case may be) (“Alert and Notification Feature” or “Feature”) is able to provide you with customer support, flight information updates, and promotional information of our products and services.

 5.1.2 You may use this feature for lawful and legitimate inquiries related to our products and services.

 5.1.3 You must not use the feature for any unlawful activities, including but not limited to: 

* Sending spam or unsolicited messages.
* Transmitting offensive, abusive, or defamatory content.
* Sharing personal or sensitive information that could compromise your privacy or security.

5.1.4 We do not guarantee that the feature will be uninterrupted, error-free, timely, or that the information provided through the feature will be accurate or complete.

5.1.5 The flight information provided through the feature is reliant upon data provided by a third party and we do not guarantee its accuracy and completeness. Please verify the flight information with your airline and/or at the flight information display screens in the airport.

5.1.6 We reserve the right to modify, suspend, or terminate the feature at any time without prior notice.  
  
**5.2 Data Collection**

5.2.1 When you use the Alert and Notification feature, we may collect your contact information, message content, flight number, payment details and/or any information you provide. We use this data to respond to your inquiries, improve services, for marketing promotion purposes, and maintain records for legal and operational purposes. You have the right to access, correct, delete, and restrict the processing of your data. To exercise these rights, contact us at compliance.dpo@plaza-network.com  
  
**5.3 Liability Disclaimer**

5.3.1 We are not responsible for any loss or damage resulting from the use of the Alert and Notification Feature, including but not limited to data breaches, service interruptions, delays or inaccuracies of information provided through the service.

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Where 

Date 

Time 

hrs 

* [0000](#)
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* [0300](#)
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* [1230](#)
* [1300](#)
* [1330](#)
* [1400](#)
* [1430](#)
* [1500](#)
* [1530](#)
* [1600](#)
* [1630](#)
* [1700](#)
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* [1800](#)
* [1830](#)
* [1900](#)
* [1930](#)
* [2000](#)
* [2030](#)
* [2100](#)
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* [2230](#)
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* [Suzhou (SZH)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/suzhou) 
* [Taiyuan (TYN)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/taiyuan) 
* [Tengchong (TCZ)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/tengchong)
* [Tianjin](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/tianjin)
* [Urumqi (URC)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/urumqi)
* [Wuhan (WUH)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/wuhan) 
* [Wuxi (WUX)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/wuxi)
* [Xiamen (XMN)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/xiamen)
* [Xi'an (XIY)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/xian) 
* [Zhangjiakou](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/zhangjiakou) 
* [Zaozhuang](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/zaozhuang) 
* [Zhaotong (ZAT)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/zhaotong-zat)
* [Zhengzhou (CGO)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/zhengzhou)
* [Zibo](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/zibo) 
* [Zhuhai (ZUH)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/mainland-china/zhuhai)

* [Hong Kong (HKG)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/hong-kong/hong-kong)

* [Macau (MFM)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/macau/macau)

* [Taipei (TPE/TSA)](https://www.plazapremiumlounge.com/en-uk/find/china-regions/taiwan/taipei)

* [Buenos Aires (EZE)](https://www.plazapremiumlounge.com/en-uk/find/americas/argentina/buenos-aires)

* [Hamilton (BDA)](https://www.plazapremiumlounge.com/en-uk/find/americas/bermuda/hamilton-bda)

* [Rio de Janeiro (GIG)](https://www.plazapremiumlounge.com/en-uk/find/americas/brazil/rio-de-janeiro)
* [São Paulo (GRU)](https://www.plazapremiumlounge.com/en-uk/find/americas/brazil/sao-paulo)

* [Quebec (YQB)](https://www.plazapremiumlounge.com/en-uk/find/americas/canada/quebec)
* [Edmonton (YEG)](https://www.plazapremiumlounge.com/en-uk/find/americas/canada/edmonton)
* [Montreal (YUL)](https://www.plazapremiumlounge.com/en-uk/find/americas/canada/montreal)
* [Toronto (YYZ)](https://www.plazapremiumlounge.com/en-uk/find/americas/canada/toronto) 
* [Vancouver (YVR)](https://www.plazapremiumlounge.com/en-uk/find/americas/canada/vancouver) 
* [Winnipeg (YWG)](https://www.plazapremiumlounge.com/en-uk/find/americas/canada/winnipeg)

* [Santiago (SCL)](https://www.plazapremiumlounge.com/en-uk/find/americas/south-america/santiago-scl)

* [Barranquilla (BAQ)](https://www.plazapremiumlounge.com/en-uk/find/americas/colombia/barranquilla)
* [Bogota (BOG)](https://www.plazapremiumlounge.com/en-uk/find/americas/colombia/bogota)
* [Bucaramanga (BGA)](https://www.plazapremiumlounge.com/en-uk/find/americas/colombia/bucaramanga)
* [Cartagena (CTG)](https://www.plazapremiumlounge.com/en-uk/find/americas/colombia/cartagena)
* [Cali (CLO)](https://www.plazapremiumlounge.com/en-uk/find/americas/colombia/cali)
* [Medellin (MDE)](https://www.plazapremiumlounge.com/en-uk/find/americas/colombia/medellin)

* [San Salvador (SAL)](https://www.plazapremiumlounge.com/en-uk/find/americas/el-salvador/san-salvador)

* [Cancún (CUN)](https://www.plazapremiumlounge.com/en-uk/find/americas/mexico/cancun)

* [Atlanta (ATL)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/atlanta-atl) 
* [Austin (AUS)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/austin-aus) 
* [Cincinnati (CVG)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/cincinnati-cgv) 
* [Cleveland (CLE)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/cleveland-hopkins-international-airport-cle) 
* [Dallas Fort Worth (DFW)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/dallas-fort-worth)
* [Columbus (CMH)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/columbus-cmh) 
* [Detroit (DTW)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/detroit-dtw) 
* [Jacksonville (JAX)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/jacksonville-jax) 
* [Milwaukee (MKE)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/milwaukee-mke) 
* [Minneapolis (MSP)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/minneapolis-msp) 
* [New Orleans (MSY)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/new-orleans-msy) 
* [New York (JFK)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/new-york)
* [Oklahoma City (OKC)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/oklahoma-city-okc) 
* [Orlando (MCO)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/orlando) 
* [Palm Springs (PSP)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/palm-springs-psp) 
* [Pittsburgh (PIT)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/pittsburgh-pit) 
* [Reno (RNO)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/reno-rno) 
* [Sacramento (SMF)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/sacramento-smf) 
* [Saint Louis (STL)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/saint-louis-stl) 
* [San Francisco (SFO)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/san-francisco) 
* [Washington D.C. (DCA/IAD)](https://www.plazapremiumlounge.com/en-uk/find/americas/united-states-of-america/washington-dc) 

* [Copenhagen (CPH)](https://www.plazapremiumlounge.com/en-uk/find/europe/denmark/copenhagen)

* [Helsinki (HEL)](https://www.plazapremiumlounge.com/en-uk/find/europe/finland/helsinki)

* [Marseille (MRS)](https://www.plazapremiumlounge.com/en-uk/find/europe/france/marseille)

* [Batumi (BUS)](https://www.plazapremiumlounge.com/en-uk/find/europe/georgia/batumi-bus)
* [Tbilisi (TBS)](https://www.plazapremiumlounge.com/en-uk/find/europe/georgia/tbilisi-tbs)

* [Frankfurt (FRA)](https://www.plazapremiumlounge.com/en-uk/find/europe/germany/frankfurt)

* [Athens (ATH)](https://www.plazapremiumlounge.com/en-uk/find/europe/greece/athens)
* [Corfu (CFU)](https://www.plazapremiumlounge.com/en-uk/find/europe/greece/corfu)
* [Heraklion (HER)](https://www.plazapremiumlounge.com/en-uk/find/europe/greece/heraklion)
* [Mykonos (JMK)](https://www.plazapremiumlounge.com/en-uk/find/europe/greece/mykonos)
* [Rhodes (RHO)](https://www.plazapremiumlounge.com/en-uk/find/europe/greece/rhodes)

* [Budapest (BUD)](https://www.plazapremiumlounge.com/en-uk/find/europe/hungary/budapest)

* [Bergamo (BGY)](https://www.plazapremiumlounge.com/en-uk/find/europe/italy/bergamo-bgy)
* [Milan (LIN/MXP)](https://www.plazapremiumlounge.com/en-uk/find/europe/italy/milan-%28lin-mxp%29)
* [Rome (FCO)](https://www.plazapremiumlounge.com/en-uk/find/europe/italy/rome)

* [Riga (RIX)](https://www.plazapremiumlounge.com/en-uk/find/europe/latvia/riga-rix)

* [Ohrid (OHD)](https://www.plazapremiumlounge.com/en-uk/find/europe/north-macedonia/ohrid-ohd)
* [Skopje (SKP)](https://www.plazapremiumlounge.com/en-uk/find/europe/north-macedonia/skopje-skp)

* [Madrid (MAD)](https://www.plazapremiumlounge.com/en-uk/find/europe/spain/madrid)

* [Gothenburg (GOT)](https://www.plazapremiumlounge.com/en-uk/find/europe/sweden/gothenburg)
* [Stockholm (ARN)](https://www.plazapremiumlounge.com/en-uk/find/europe/sweden/stockholm)

* [Geneva (GVA)](https://www.plazapremiumlounge.com/en-uk/find/europe/switzerland/geneva)
* [Zurich (ZRH)](https://www.plazapremiumlounge.com/en-uk/find/europe/switzerland/zurich)

* [Adana (COV)](https://www.plazapremiumlounge.com/en-uk/find/europe/turkiye/adana-cov)
* [Ankara (ESB)](https://www.plazapremiumlounge.com/en-uk/find/europe/turkiye/ankara-esb)
* [Antalya (AYT)](https://www.plazapremiumlounge.com/en-uk/find/europe/turkiye/antalya-ayt)
* [Bodrum (BJV)](https://www.plazapremiumlounge.com/en-uk/find/europe/turkiye/bodrum-bjv)
* [Istanbul (SAW)](https://www.plazapremiumlounge.com/en-uk/find/europe/turkiye/istanbul)
* [Diyarbakır (DIY)](https://www.plazapremiumlounge.com/en-uk/find/europe/turkiye/diyarbakir-diy)
* [Izmir (ADB)](https://www.plazapremiumlounge.com/en-uk/find/europe/turkiye/izmir-adb)

* [Bristol (BRS)](https://www.plazapremiumlounge.com/en-uk/find/europe/united-kingdom/bristol-brs)
* [East Midlands (EMA)](https://www.plazapremiumlounge.com/en-uk/find/europe/united-kingdom/east-midlands-ema)
* [Edinburgh (EDI)](https://www.plazapremiumlounge.com/en-uk/find/europe/united-kingdom/edinburgh)
* [Isle of Man (IOM)](https://www.plazapremiumlounge.com/en-uk/find/europe/united-kingdom/isle-of-man)
* [London (LHR / LGW / STN)](https://www.plazapremiumlounge.com/en-uk/find/europe/united-kingdom/london)
* [Manchester (MAN)](https://www.plazapremiumlounge.com/en-uk/find/europe/united-kingdom/manchester-man)

* [Adelaide (ADL)](https://www.plazapremiumlounge.com/en-uk/find/asia/australia/adelaide)
* [Brisbane (BNE)](https://www.plazapremiumlounge.com/en-uk/find/asia/australia/brisbane)
* [Melbourne (MEL)](https://www.plazapremiumlounge.com/en-uk/find/asia/australia/melbourne)
* [Sydney (SYD)](https://www.plazapremiumlounge.com/en-uk/find/asia/australia/sydney)

* [Cox's bazar (CXB)](https://www.plazapremiumlounge.com/en-uk/find/asia/bangladesh/cox-s-bazar-cxb)
* [Dhaka (DAC)](https://www.plazapremiumlounge.com/en-uk/find/asia/bangladesh/dhaka-dac)
* [Sylhet (ZYL)](https://www.plazapremiumlounge.com/en-uk/find/asia/bangladesh/sylhet)

* [Phnom Penh (KTI)](https://www.plazapremiumlounge.com/en-uk/find/asia/cambodia/phnom-penh)

* [Ambon (AMQ)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/ambon-amq)
* [Balikpapan (BPN)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/balikpapan-bpn)
* [Bandar Lampung (TKG)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/bandar-lampung-tkg)
* [Banjarmasin (BDJ)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/banjarmasin-bdj)
* [Denpasar (DPS)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/denpasar-dps-1)
* [Jakarta (CGK/HLP)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/jakarta)
* [Jambi (DJB)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/jambi-djb)
* [Kupang (KOE)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/kupang-koe)
* [Lombok (LOP)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/lombok)
* [Makassar (UPG)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/makassar)
* [Manado (MDC)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/manado-mdc)
* [Medan (KNO)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/medan)
* [Padang (PDG)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/padang-pdg)
* [Palembang (PLM)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/palembang-plm)
* [Pinang (PGK)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/indonesia)
* [Pontianak (PNK)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/pontianak)
* [Progo (YIA)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/progo-yia)
* [Semarang (SRG)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/semarang-srg)
* [Solo (SOC)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/solo-soc)
* [Surabaya (SUB)](https://www.plazapremiumlounge.com/en-uk/find/asia/indonesia/surabaya-sub)

* [Fukuoka (FUK)](https://www.plazapremiumlounge.com/en-uk/find/asia/japan/fukuoka)
* [Nagoya (NGO)](https://www.plazapremiumlounge.com/en-uk/find/asia/japan/nagoya)

* [Almaty (ALA)](https://www.plazapremiumlounge.com/en-uk/find/asia/kazakhstan/almaty-ala)

* [Johor (JHB)](https://www.plazapremiumlounge.com/en-uk/find/asia/malaysia/johor-jhb)
* [Kuala Lumpur (KUL)](https://www.plazapremiumlounge.com/en-uk/find/asia/malaysia/kuala-lumpur)
* [Langkawi (LGK)](https://www.plazapremiumlounge.com/en-uk/find/asia/malaysia/langkawi)
* [Penang (PEN)](https://www.plazapremiumlounge.com/en-uk/find/asia/malaysia/penang)

* [Mandalay (MDL)](https://www.plazapremiumlounge.com/en-uk/find/asia/myanmar/mandalay)

* [Auckland](https://www.plazapremiumlounge.com/en-uk/find/asia/new-zealand/auckland)
* [Christchurch (CHC)](https://www.plazapremiumlounge.com/en-uk/find/asia/new-zealand/christchurch)
* [Queenstown (ZQN)](https://www.plazapremiumlounge.com/en-uk/find/asia/new-zealand/queenstown)

* [Koror (ROR)](https://www.plazapremiumlounge.com/en-uk/find/asia/palau/koror)

* [Cebu (CEB)](https://www.plazapremiumlounge.com/en-uk/find/asia/philippines/cebu)
* [Clark (CRK)](https://www.plazapremiumlounge.com/en-uk/find/asia/philippines/clark)
* [Manila (MNL)](https://www.plazapremiumlounge.com/en-uk/find/asia/philippines/manila)

* [Singapore (SIN)](https://www.plazapremiumlounge.com/en-uk/find/asia/singapore/singapore) 

* [Honiara (HIR)](https://www.plazapremiumlounge.com/en-uk/find/asia/solomon-islands/honiara-hir)

* [Busan (PUS)](https://www.plazapremiumlounge.com/en-uk/find/asia/south-korea/busan)
* [Seoul (ICN/GMP)](https://www.plazapremiumlounge.com/en-uk/find/asia/south-korea/seoul) 

* [Bangkok (BKK/DMK)](https://www.plazapremiumlounge.com/en-uk/find/asia/thailand/bangkok)
* [Chiang Mai (CNX)](https://www.plazapremiumlounge.com/en-uk/find/asia/thailand/chiang-mai)
* [Chiang Rai (CEI)](https://www.plazapremiumlounge.com/en-uk/find/asia/thailand/chiang-rai)
* [Hat Yai (HDY)](https://www.plazapremiumlounge.com/en-uk/find/asia/thailand/hat-yai)
* [Krabi (KBV)](https://www.plazapremiumlounge.com/en-uk/find/asia/thailand/krabi-kbv)
* [Phuket (HKT)](https://www.plazapremiumlounge.com/en-uk/find/asia/thailand/phuket)
* [Udon Thani (UTH)](https://www.plazapremiumlounge.com/en-uk/find/asia/thailand/udon-thani)

* [Buon Ma Thuot (BMV)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/hanoi-1) 
* [Can Tho (VCA)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/can-tho-vca)
* [Chu Lai (VCL)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/chu-lai-vcl)
* [Con Dao (VCS)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/con-dao-vcs)
* [Da Nang (DAD)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/da-nang)
* [Dien Bien Phu (DIN)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/hanoi-3)
* [Duc Trong (DLI)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/hanoi-4)
* [Hai Phong (HPH)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/cat-bi-hph)
* [Hanoi (HAN)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/hanoi)
* [Ho Chi Minh City (SGN)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/hochiminhcity) 
* [Hue (HUI)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/hue-hui)
* [Loc Ninh (VDH)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/dong-hoi-vdh)
* [Nha Trang (CXR)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/nha-trang)
* [Phu Cat (UIH)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/phu-cat-uih)
* [Phu Quoc City (PQC)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/phu-quoc-city-pqc)
* [Pleiku (PXU)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/pleiku-pxu)
* [Tho Xuan (THD)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/tho-xuan-thd)
* [Tuy Hoa (TBB)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/tuy-hoa-tbb)
* [Vinh (VII)](https://www.plazapremiumlounge.com/en-uk/find/asia/vietnam/vinh-vii)

* [Gaborone (GBE)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/botswana/gaborone-gbe)
* [Kasane (BBK)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/botswana/kasane-bbk)
* [Maun (MUB)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/botswana/maun-mub)

* [Cairo (CAI)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/egypt/cairo)

* [Addis Ababa (ADD)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/ethiopia/addis-ababa)

* [Accra (ACC)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/west-africa/accra-acc)
* [Kumasi (KMS)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/west-africa/kumasi-kms)

* [Ahmedabad (AMD)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/india/ahmedabad)
* [Bhubaneswar (BBI)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/india/bhubaneswar-%28bbi%29)
* [Bangalore (BLR)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/india/bangalore)
* [Guwahati (GAU)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/india/guwahati-gau)
* [Mumbai (BOM)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/india/mumbai)
* [Jaipur (JAI)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/india/jaipur-jai)
* [Lucknow (LKO)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/india/lucknow-lko)
* [Trivandrum (TRV)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/india/trivandrum-trv)
* [Tiruchirappalli (TRZ)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/india/tiruchirappalli-%28trz%29)

* [Amman (AMM)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/jordan/amman)

* [Nairobi (NBO)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/kenya/nairobi)

* [Antananarivo (TNR)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/madagascar/antananarivo-tnr)

* [Maputo (MPM)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/mozambique/mozambique-mpm)

* [Abuja (ABV)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/west-africa-1/abuja)
* [Lagos (LOS)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/west-africa-1/lagos)

* [Duqm (DQM)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/oman/duqm-dqm)
* [Muscat (MCT)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/oman/muscat)

* [Doha (DOH)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/qatar/doha)

* [Abha (AHB)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/abha-international-airport-ahb)
* [Al Baha (ABT)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/al-baha-abt)
* [Al Duwadimi (DWD)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/al-duwadimi-dwd)
* [Al Jouf (AJF)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/al-jouf-ajf)
* [Al Qaisumah (AQI)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/al-qaisumah-aqi)
* [Al Qassim (ELQ)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/al-qassim-elq)
* [Al Qurayyat (URY)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/al-qurayyat-ury)
* [AL Turaif (TUI)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/al-turaif-tui)
* [Al Ula (ULH)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/al-ula-ulh)
* [Al Wajh (EJH)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/al-wajh-%28ejh%29)
* [Arar (RAE)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/arar-rae)
* [Bisha (BHH)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/bisha-bhh)
* [Hail (HAS)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/hail-has)
* [Madinah (MED)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/madinah-med) 
* [Makkah (MAK)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/haramain-high-speed-railway-makkah-mak) 
* [Dammam (DMM)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/dammam)
* [Jeddah (JED)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/jeddah) 
* [Jizan (GIZ)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/jizan-giz)
* [Hanak (RSI)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/hanak-rsi)
* [Najran (EAM)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/najran-eam)
* [Taif (TIF)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/taif-regional-airport-tif)
* [Tabuk (TUU)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/tabuk-tuu)
* [Riyadh (RUH)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/riyadh)
* [Wadi Al Dawasir (WAE)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/wadi-al-dawasir-wae)
* [Yanbu (YNB)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/saudi-arabia/yanbu-ynb)

* [Durban (DUR)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/south-africa/durban)
* [Johannesburg (JNB)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/south-africa/johannesburg)

* [Zanzibar (ZNZ)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/tanzania/zanzibar)
* [Dar es Salaam (DAR)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/tanzania/dar-es-salaam)

* [Enfidha (NBE)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/tunisia/enfidha)
* [Monastir (MIR)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/tunisia/monastir-mir)

* [Abu Dhabi (AUH)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/united-arab-emirates/abu-dhabi)
* [Dubai (DXB)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/united-arab-emirates/dubai)

* [Harare (HRE)](https://www.plazapremiumlounge.com/en-uk/find/india-middle-east-south-africa/zimbabwe/harare)

####  Language and currency

 Language 
* English
* Portugues do Brasil
* 日本
* 简体中文
* 繁體中文

 Currency 
* AED
* AUD
* BRL
* CAD
* CNY
* DKK
* EUR
* GBP
* HKD
* IDR
* INR
* JPY
* MOP
* MYR
* OMR
* PHP
* SAR
* SEK
* SGD
* THB
* TRY
* TWD
* USD
* ZAR

 Apply 

####  Currency

* AED
* AUD
* BRL
* CAD
* CNY
* DKK
* EUR
* GBP
* HKD
* IDR
* INR
* JPY
* MOP
* MYR
* OMR
* PHP
* SAR
* SEK
* SGD
* THB
* TRY
* TWD
* USD
* ZAR

[Apply](#) 

####  Language

* English
* Portugues do Brasil
* 日本
* 简体中文
* 繁體中文

[Apply](#) 

### Book Your Visit

Where 

* [King Saud Bin Abdulaziz (Al Baha) Airport (ABT)](#)
* [Nnamdi Azikiwe International Airport (ABV)](#)
* [Kotoka International Airport (ACC)](#)
* [Adnan Menderes International Airport (ADB)](#)
* [Addis Ababa Bole International Airport (ADD)](#)
* [Adelaide Airport (ADL)](#)
* [Abha International Airport (AHB)](#)
* [Al Jouf Airport (AJF)](#)
* [Auckland International Airport (AKL)](#)
* [Almaty International Airport (ALA)](#)
* [Sardar Vallabhbhai Patel International Airport (AMD)](#)
* [Queen Alia International Airport (AMM)](#)
* [Pattimura Airport (AMQ)](#)
* [Shanghai Hongqiao Railway Station (AOHR)](#)
* [Al Qaisumah-Hafar Al Batin Airport (AQI)](#)
* [Stockholm Arlanda Airport (ARN)](#)
* [Athens International Airport (ATH)](#)
* [Zayed International Airport (AUH)](#)
* [Antalya Airport (AYT)](#)
* [Ernesto Cortissoz International Airport (BAQ)](#)
* [Biju Patnaik International Airport (BBI)](#)
* [Kasane International Airport (BBK)](#)
* [L.F. Wade International Airport (BDA)](#)
* [Syamsudin Noor Airport (BDJ)](#)
* [Palonegro International Airport (BGA)](#)
* [Orio al Serio Airport (BGY)](#)
* [Bisha Airport (BHH)](#)
* [Beijing Railway Station (BJPR)](#)
* [Milas-Bodrum International Airport (BJV)](#)
* [Suvarnabhumi International Airport (BKK)](#)
* [Kempegowda International Airport (BLR)](#)
* [Buon Ma Thuot Airport (BMV)](#)
* [Brisbane Airport (BNE)](#)
* [El Dorado International Airport (BOG)](#)
* [Chhatrapati Shivaji Maharaj International Airport (BOM)](#)
* [Sultan Aji Muhammad Sulaiman Sepinggan International Airport (BPN)](#)
* [Bristol International Airport (BRS)](#)
* [Budapest Ferenc Liszt International Airport (BUD)](#)
* [Batumi International Airport (BUS)](#)
* [Cairo International Airport (CAI)](#)
* [Guangzhou Baiyun International Airport (CAN)](#)
* [Cangzhou West Railway Station (CBPR)](#)
* [Changchun Railway Station (CCTR)](#)
* [Mactan-Cebu International Airport (CEB)](#)
* [Chiang Rai International Airport (CEI)](#)
* [Corfu International Airport (CFU)](#)
* [Jakarta Soekarno-Hatta International Airport (CGK)](#)
* [Zhengzhou Xinzheng International Airport (CGO)](#)
* [Changchun Longjia International Airport (CGQ)](#)
* [Christchurch International Airport (CHC)](#)
* [Chongqing Jiangbei International Airport (CKG)](#)
* [Alfonso Bonilla Aragón International Cali Airport (CLO)](#)
* [Chiang Mai International Airport (CNX)](#)
* [Cukurova International Airport (COV)](#)
* [Copenhagen Airport (CPH)](#)
* [Clark International Airport (CRK)](#)
* [Changchun West Railway Station (CRTR)](#)
* [Changsha Huanghua International Airport (CSX)](#)
* [Cartagena Rafael Núñez Airport (CTG)](#)
* [Chengdu Shuangliu International Airport (CTU)](#)
* [Cancún International Airport (CUN)](#)
* [Cox's Bazar Airport (CXB)](#)
* [Cam Ranh International Airport (CXR)](#)
* [Hazrat Shahjalal International Airport (DAC)](#)
* [Da Nang International Airport (DAD)](#)
* [Julius Nyerere International Airport (DAR)](#)
* [Dalian North Railway Station (DFT)](#)
* [Dallas Fort Worth International Airport (DFW)](#)
* [Diqing Shangri-La Airport (DIG)](#)
* [Dien Bien Airport (DIN)](#)
* [Diyarbakır Airport (DIY)](#)
* [Sultan Thaha Airport (DJB)](#)
* [Dalian Zhoushuizi International Airport (DLC)](#)
* [Lien Khuong International Airport (DLI)](#)
* [Dali Fengyi Airport (DLU)](#)
* [Don Mueang International Airport (DMK)](#)
* [King Fahd Airport (DMM)](#)
* [Hamad International Airport (DOH)](#)
* [I Gusti Ngurah Rai International Airport (DPS)](#)
* [Duqm International Airport (DQM)](#)
* [King Shaka International Airport (DUR)](#)
* [Dawadni Domestic Airport (DWD)](#)
* [Dubai International Airport (DXB)](#)
* [Najran Regional Airport (EAM)](#)
* [Xi'an North Railway Station (EAYR)](#)
* [Edinburgh Airport (EDI)](#)
* [Al Wajh Domestic Airport (EJH)](#)
* [Prince Naif Bin Abdulaziz Airport (ELQ)](#)
* [East Midlands International Airport (EMA)](#)
* [Esenboga International Airport (ESB)](#)
* [Ministro Pistarini International Airport (EZE)](#)
* [Leonardo da Vinci-Fiumicino Airport (FCO)](#)
* [Fuzhou Changle International Airport (FOC)](#)
* [Frankfurt International Airport (FRA)](#)
* [Fukuoka International Airport (FUK)](#)
* [Lokpriya Gopinath Bordoloi International Airport (GAU)](#)
* [Sir Seretse Khama International Airport (GBE)](#)
* [Rio de Janeiro RIOgaleão - Tom Jobim International Airport (GIG)](#)
* [King Abdullah bin Abdulaziz Airport (GIZ)](#)
* [Gimpo International Airport (GMP)](#)
* [Gothenborg Landvetter Airport (GOT)](#)
* [GRU Airport - Aeroporto Internacional de São Paulo (GRU)](#)
* [Geneva Airport (GVA)](#)
* [Haikou Meilan International Airport (HAK)](#)
* [Noi Bai International Airport (HAN)](#)
* [Hail Airport (HAS)](#)
* [Hat Yai International Airport (HDY)](#)
* [Helsinki Airport (HEL)](#)
* [Heraklion Airport (HER)](#)
* [Hefei Xinqiao International Airport (HFE)](#)
* [Hangzhou International Airport (HGH)](#)
* [Hangzhou East Railway Station (HGHR)](#)
* [Haramain High Speed Railway (HHR)](#)
* [Henderson International Airport (HIR)](#)
* [Hong Kong International Airport (HKG)](#)
* [High Speed Rail Hong Kong West Kowloon Station (HKKW)](#)
* [Hankou Railway Station (HKNR)](#)
* [Phuket International Airport (HKT)](#)
* [Halim Perdanakusuma International Airport (HLP)](#)
* [Cat Bi International Airport (HPH)](#)
* [Harbin Taiping International Airport (HRB)](#)
* [Robert Mugabe International Airport (HRE)](#)
* [Phu bai International Airport (HUI)](#)
* [Taizhou Luqiao Airport Terminal (HYN)](#)
* [Washington Dulles International Airport (IAD)](#)
* [Incheon International Airport (ICN)](#)
* [Isle of Man Airport (IOM)](#)
* [Leshan Railway Station (IVWR)](#)
* [Zhangjiakou Taizicheng Railway Station (IZPR)](#)
* [Jaipur International Airport (JAI)](#)
* [King Abdul Aziz International Airport (JED)](#)
* [John F. Kennedy International Airport (JFK)](#)
* [Senai International Airport (JHB)](#)
* [Xishuangbanna Gasa Airport (JHG)](#)
* [Quanzhou Jinjiang International Airport (JJN)](#)
* [Jilin Railway Station (JLL)](#)
* [Mykonos Island National Airport (JMK)](#)
* [O. R. Tambo International Airport (JNB)](#)
* [Jinzhou Jinzhouwan Airport (JNZ)](#)
* [Krabi International Airport (KBV)](#)
* [Nanchang Changbei International Airport (KHN)](#)
* [Kansai International Airport (KIX)](#)
* [Kunming Changshui International Airport (KMG)](#)
* [Kunming Railway Station (KMMR)](#)
* [Prempeh I International Airport (KMS)](#)
* [Kualanamu International Airport (KNO)](#)
* [El Tari Airport (KOE)](#)
* [Guiyang North Railway Station (KQWR)](#)
* [Techo International Airport (KTI)](#)
* [Kuala Lumpur International Airport (KUL)](#)
* [Guiyang Longdongbao International Airport (KWE)](#)
* [Langkawi International Airport (LGK)](#)
* [London Gatwick Airport (LGW)](#)
* [London Heathrow Airport (LHR)](#)
* [Lanzhou Zhongchuan International Airport (LHW)](#)
* [Milan Linate Airport (LIN)](#)
* [Lijiang Sanyi International Airport (LJG)](#)
* [Langfang Railway Station (LJPR)](#)
* [Chaudhary Charan Singh International Airport (LKO)](#)
* [Lombok International Airport (LOP)](#)
* [Murtala Muhammed International Airport​ (LOS)](#)
* [Dehong Mangshi Airport (LUM)](#)
* [Adolfo Suárez Madrid–Barajas Airport (MAD)](#)
* [Haramain High Speed Railway (MAK)](#)
* [Manchester International Airport (MAN)](#)
* [Orlando International Airport (MCO)](#)
* [Muscat International Airport (MCT)](#)
* [Sam Ratulangi International Airport (MDC)](#)
* [José María Córdova International Airport (MDE)](#)
* [Mandalay International Airport (MDL)](#)
* [Prince Mohammed Bin Abdulaziz International Airpor (MED)](#)
* [Melbourne Airport (MEL)](#)
* [Macau International Airport (MFM)](#)
* [Monastır Habib Bourguiba Airport (MIR)](#)
* [Ninoy Aquino International Airport (MNL)](#)
* [Maputo International Airport (MPM)](#)
* [Marseille Provence Airport (MRS)](#)
* [Maun International Airport (MUB)](#)
* [Milan Malpensa Airport (MXP)](#)
* [Enfidha Hammamet Int. Airport (NBE)](#)
* [Jomo Kenyatta International Airport (NBO)](#)
* [Ningbo Lishe International Airport (NGB)](#)
* [Chubu Centrair International Airport (NGO)](#)
* [Nanjing Lukou International Airport (NKG)](#)
* [Nanjing South Railway Station (NKHR)](#)
* [Nanning Wuxu International Airport (NNG)](#)
* [Nanyang Jiangying Airport (NNY)](#)
* [Ohrid Airport (OHD)](#)
* [Minangkabau International Airport (PDG)](#)
* [Beijing Capital International Airport (PEK)](#)
* [Penang International Airport (PEN)](#)
* [Depati Amir Airport (PGK)](#)
* [Beijing Daxing International Airport (PKX)](#)
* [Sultan Mahmud Badaruddin II International Airport (PLM)](#)
* [Supadio International Airport (PNK)](#)
* [Phu Quoc Island International Airport (PQC)](#)
* [Gimhae International Airport (PUS)](#)
* [Shanghai Pudong International Airport (PVG)](#)
* [Pleiku Airport (PXU)](#)
* [Qingdao Railway Station (QDKR)](#)
* [Qingdao North Railway Station (QHKR)](#)
* [Kailinan Railway Station (QKWR)](#)
* [Arar Airport (RAE)](#)
* [Changsha South Railway Station (RCWQ)](#)
* [Rhodes International Airport (RHO)](#)
* [Riga Airport (RIX)](#)
* [Palau International Airport (ROR)](#)
* [Red Sea International Airport (RSI)](#)
* [Riyadh King Khalid International Airport (RUH)](#)
* [El Salvador International Airport (SAL)](#)
* [Istanbul Sabiha Gökçen International Airport (SAW)](#)
* [Santiago De Chile Airport (SCL)](#)
* [San Francisco International Airport (SFO)](#)
* [Tan Son Nhat International Airport (SGN)](#)
* [Shanghai Hongqiao International Airport (SHA)](#)
* [Shenyang Taoxian International Airport (SHE)](#)
* [Singapore Changi Airport (SIN)](#)
* [Skopje Airport (SKP)](#)
* [Adi Soemarmo Airport (SOC)](#)
* [Shenyang South Railway Station (SOT)](#)
* [Jenderal Ahmad Yani Airport (SRG)](#)
* [London Stansted International Airport (STN)](#)
* [Juanda International Airport (SUB)](#)
* [Jieyang Chaoshan International Airport (SWA)](#)
* [Sydney Airport (SYD)](#)
* [Sanya Phoenix International Airport (SYX)](#)
* [Suzhou Railway Station (SZHR)](#)
* [Shenzhen Baoan International Airport (SZX)](#)
* [Qingdao Jiaodong International Airport (TAO)](#)
* [Tuy Hoa Airport (TBB)](#)
* [Tbilisi International Airport (TBS)](#)
* [Yunnan Tengchong Tuofeng Airport (TCZ)](#)
* [Tengzhou East Railway Station (TEKR)](#)
* [Chengdu Tianfu International Airport (TFU)](#)
* [Tho Xuan Airport (THD)](#)
* [Taif Regional Airport (TIF)](#)
* [Tianjin Railway Station (TJPR)](#)
* [Radin Inten II International Airport (TKG)](#)
* [Jinan Yaoqiang International Airport (TNA)](#)
* [Ivato International Airport (TNR)](#)
* [Taiyuan South Railway Station (TNVR)](#)
* [Taiwan Taoyuan International Airport (TPE)](#)
* [Trivandrum International Airport (TRV)](#)
* [Tiruchirappalli International Airport (TRZ)](#)
* [Taipei Songshan Airport (TSA)](#)
* [Tianjin Binhai International Airport (TSN)](#)
* [Turaif Airport (TUI)](#)
* [Prince Sultan Bin Abdul Aziz International Airport (TUU)](#)
* [Tianjin West Railway Station (TXPR)](#)
* [Taiyuan Wusu International Airport (TYN)](#)
* [Libo Railway Station (UBER)](#)
* [Phu Cat Airport (UIH)](#)
* [Prince Abdul Majeed bin Abdulaziz International Airport (ULH)](#)
* [Sultan Hasanuddin International Airport (UPG)](#)
* [Urumqi Tianshan International Airport (URC)](#)
* [Gurayat Domestic Airport (URY)](#)
* [Udon Thani International Airport (UTH)](#)
* [Beijing North Railway Station (VAPR)](#)
* [Cat Tho International Airport (VCA)](#)
* [Chu Lai Airport (VCL)](#)
* [Con Dao Airport (VCS)](#)
* [Dong Hoi Airport (VDH)](#)
* [Vinh International Airport (VII)](#)
* [Wadi Al Dawasir Airport (WAE)](#)
* [Wuhan Tianhe International Airport (WUH)](#)
* [Sunan Shuofang International Airport (WUX)](#)
* [Chongqing Wanzhou North Railway Station (WZER)](#)
* [Xi'an Railway Station (XAYR)](#)
* [Xi'an Xianyang International Airport (XIY)](#)
* [Xiamen Gaoqi International Airport (XMN)](#)
* [Edmonton International Airport (YEG)](#)
* [Yogyakarta International Airport (YIA)](#)
* [Prince Abdul Mohsin bin Abdulaziz International Airport (YNB)](#)
* [Québec City Jean Lesage International Airport (YQB)](#)
* [Montréal - Pierre Elliott Trudeau International Airport (YUL)](#)
* [Vancouver International Airport (YVR)](#)
* [Winnipeg Richardson International Airport (YWG)](#)
* [Toronto Pearson International Airport (YYZ)](#)
* [Zhaotong Zhaoyang Airport (ZAT)](#)
* [Zibo Railway Station (ZBKR)](#)
* [Zaozhuang Railway Station (ZEKR)](#)
* [Zhangjiakou Railway Station (ZMPR)](#)
* [Abeid Amani Karume International Airport (ZNZ)](#)
* [Queenstown Airport (ZQN)](#)
* [Zurich Airport (ZRH)](#)
* [Zhuhai Jinwan Airport (ZUH)](#)
* [Osmani International Airport (ZYL)](#)

 Date 

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---

# Source: https://rewards.nab.com.au/en/footer-page/termsncondition.html

NAB Rewards 
Terms and Conditions 
Effective 01 October 2026

2 
Contents 
1.   What’s the purpose of this document?   3 
2.   Our promise to you   3 
3.   Points and how you can earn them   4 
4.   How do you earn Bonus Points?   5 
5.   What Points are included in your Points Balance?   5 
6.   What transactions don’t earn Points?   5 
7.   What reduces your Points Balance?   6 
8.   How do you keep track of your Points?   8 
9.   What are Rewards?   8 
10.   How do you claim your Rewards?   10 
11.   What types of Rewards are there?   11 
12.   How long do you have to use your Points 
before they expire?   14 
13.   How to transfer your Points to someone else   15 
14.   Who is responsible for the Reward?   16 
15.   How do you get a dispute resolved?   17 
16.   How we communicate with each other   17 
17.   Tax Matters   18 
18.   Personal Information   18 
19.   Termination of NAB Rewards   19 
20.   Changes to these terms and conditions   20 
21.   What some words mean   22

3 
1.   What’s the purpose of this document? 
(a)   These terms and conditions explain how you 
can earn Points using your Rewards Card 
Account and how you can claim Rewards. 
(b)   Please make sure you read these terms and 
conditions before the Rewards Card Account is 
used. If you have any questions just Call Us. 
(c)   Some words described in clause   21   have a 
particular meaning in these terms and 
conditions. Those words are capitalised 
throughout these terms and conditions. 
(d)   You are taken to have agreed to these terms and 
conditions when you or a Cardholder first use a 
Card or a Rewards Card Account. 
(e)   The NAB Credit Card Terms and Conditions may 
also contain provisions about what happens if 
a rewards program like NAB Rewards is 
terminated. 
2.   Our promise to you 
We will act reasonably and fairly towards you, taking 
into account your and our respective interests. 
That includes whenever we are: 
(a)   considering any request you make; 
(b)   deciding whether to give our consent or to 
exercise a right, discretion or remedy; 
(c)   setting any conditions for doing any of those 
things; or 
(d)   making changes under clauses 9(b) or 20, or 
anywhere else in these NAB Rewards Terms and 
Conditions. 
Examples of how we will take reasonable steps to 
ensure you are treated fairly include giving you 
reasonable notice of changes and making 
adjustments to your Points Balance. 
It’s worth noting that even if we don’t make a 
decision or do something straight away, we may still 
do so later on. This includes where we delay or defer 
doing so, or we temporarily waive a requirement.

4 
3.   Points and how you can earn them 
3.1   What are Points? 
(a)   Points and Bonus Points aren’t property and 
don’t have any monetary value except to the 
extent specifically provided for by a Reward. 
They can’t be redeemed for cash, except to the 
extent set out in these NAB Rewards Terms and 
Conditions. They can only be redeemed for 
Rewards under these terms and conditions 
– see clauses 10 and 11. 
(b)   Points are awarded for each eligible transaction 
debited to your Rewards Card Account (clause 6 
describes transactions that don’t earn Points). 
You may also be awarded Bonus Points under 
clause 4. 
3.2   How you earn Points 
(a)   You earn Points once these terms and 
conditions apply and as long as your Rewards 
Card Account is Open and Active – see clause 1. 
(b)   Points are earned for each whole $1.00 of the 
value of each eligible transaction (including 
GST), rounded down to the nearest dollar, 
shown on your Monthly Card Statement. The 
number of Points allocated per $1.00 depends 
on the type of Card you have. We will provide 
you this information in writing when we provide 
these terms and conditions and this information 
is also available on nab.com.au. This includes 
the FAQs available on the NAB Rewards Store. 
You can check the FAQs for current information 
at any time. See clause 20 for how we will let you 
know about any changes to the number of 
Points allocated. 
3.3   Can Cardholders earn Points? 
Cardholders other than you do not earn Points in 
their own right but may accumulate Points to your 
Points Balance. 
3.4   Can I sell or transfer Points? 
You cannot sell Points, but if you have a Business 
Rewards Card Account you can transfer Points under 
clause 13.

5 
4.   How do you earn Bonus Points? 
Special promotions offered from time to time by us 
or a Bonus Points Provider may allow you to earn 
Bonus Points. The conditions applying to Bonus 
Points will be provided at the time of the promotion. 
5.   What Points are included in your Points 
Balance? 
Your Points Balance includes: 
(a)   Points awarded for eligible transactions 
debited to your Rewards Card Account 
(for example, when you or a Cardholder 
purchase goods that are eligible 
transactions using a Card and charged to 
your Rewards Card Account); and 
(b)   Bonus Points awarded in accordance with 
special promotions. 
6.   What transactions don’t earn Points? 
There are some transactions which can be made 
using your Card which won’t earn Points because 
they aren’t eligible. They are: 
(a)   cash advances (which include bills paid over the 
counter at a bank, financial institution or post 
office, and the purchase of travellers cheques); 
(b)   bank fees, charges and interest (including any 
GST payable on any of these) applicable to your 
Rewards Card Account or use of the Card or to 
NAB Rewards; 
(c)   for a Personal Rewards Card Account, 
government related payments (includes 
transactions with Australian and overseas 
government entities, semi-government entities, 
or related agencies – for example, but not 
limited to, Australia Post, council rates, motor 
registries, fines, and court costs). Classification 
as a government-related transaction is based on 
merchant or financial institution data, so some 
businesses may be treated as government- 
related even if they are not; 
(d)   for a Personal Rewards Card Account, 
transactions where the Card is used to make 
payments to the Australian Taxation Office (ATO);

6 
(e)   balance transfers, except where Bonus Points 
may be earned under a special promotion 
specifically for balance transfers; 
(f)   where a Card is used to access linked 
transaction accounts; 
(g)   purchase of foreign exchange or travellers 
cheques and money orders; 
(h)   for a Personal Rewards Card Account, 
transactions we decide (acting reasonably) are 
wholly or partly for business purposes; 
(i)   any transactions where your NAB Card Account 
is, or is reasonably believed by us to be, 
operated fraudulently, except where you 
reasonably demonstrate that your NAB Card 
Account was not operated fraudulently; 
(j)   unauthorised purchases for which you are not 
liable; 
(k)   transactions where the Card is used to make 
purchases through B PAY®; 
(l)   transactions for gambling and gaming purposes 
(examples include purchase of lottery tickets, 
purchase of gaming chips or tokens and online 
gambling); or 
(m)   transactions described in clause 7.3. 
7.   What reduces your Points Balance? 
7.1   Things you do 
Your Points Balance is reduced when: 
(a)   you (or someone authorised by you under 
clause 10.1) use your Points to claim a Reward. 
The oldest Points in your Points Balance will be 
deducted first when a Reward is claimed. 
See clause 11 for Rewards; or 
(b)   your Points expire – see clause 12. 
7.2   Things we will do 
We will reduce your Points Balance where: 
(a)   there is a refund or reimbursement for a 
transaction previously charged to your Rewards 
Card Account and a credit is processed to the 
same Rewards Card Account. This may happen 
for a number of reasons but usually for returned 
goods or services;

7 
(b)   there is a charge back to your Rewards Card 
Account under your Reward Card Account Terms 
and Conditions (for example, when you dispute 
a transaction charged to your Rewards Card 
Account that results in a credit to your Rewards 
Card Account); 
(c)   there have been unauthorised transactions on 
your Rewards Card Account for which you are 
not liable; 
(d)   Points were incorrectly allocated to your Points 
Balance; or 
(e)   we reasonably believe you or a Cardholder have 
behaved fraudulently in connection with NAB 
Rewards and you are not entitled to Points 
earned. 
When this happens the Points Balance will be 
reduced by the Points value of the credit amount or 
adjustment. The Points value will be calculated 
using the rate at which Points are allocated for 
transactions to your Rewards Card Account at the 
time the credit amount or adjustment was 
processed by us. However, if there is a change in the 
rate at which Points are earned, we will take 
reasonable steps to ensure you are no worse off 
when we calculate the Points value for the credit 
amount or adjustment. 
7.3   Things we may do 
We may reduce your Points Balance or not award 
Points to the extent an otherwise eligible 
transaction: 
(a)   results in the credit limit on the Rewards Card 
Account being exceeded; or 
(b)   is debited against credit funds in the Rewards 
Card Account. 
The Points value for the adjustment will be 
calculated using the rate at which Points are 
allocated for transactions to your Rewards Card 
Account at the time the credit amount or adjustment 
was processed by us. However, if there is a change in 
the rate at which Points are earned, we will take 
reasonable steps to ensure you are no worse off 
when we calculate the Points value for the credit 
amount or adjustment.

8 
8.   How do you keep track of your Points? 
You can track your Points through a range of 
options by: 
(a)   accessing the NAB Rewards Store to see: 
(i)   your Points Balance; and 
(ii)   any Points which are due to expire in the 
next 3 months; or 
(b)   looking at your monthly Rewards Statement. 
This shows any activity on your Points Balance in 
the period covered by the Rewards Statement 
and if you have any Points due to expire in the 
following month. This statement will be sent 
monthly to your email address last provided to 
us. You can Call Us to change your email address. 
Your Points Balance will reflect the Points earned on 
eligible transactions. It may take up to 10 Business 
Days for Points earned on eligible transactions to 
appear on the NAB Rewards Store. The processing of 
Bonus Points will appear according to the terms and 
conditions of the applicable promotion. 
9.   What are Rewards? 
(a)   The Rewards available for redemption and the 
number of Points required to redeem a Reward 
at any time are set out on the NAB Rewards Store. 
You can view these at any time. Different Rewards 
may be available for different Card types. 
(b)   You can only claim Rewards which are currently 
available on the NAB Rewards Store. Rewards 
are subject to availability, substitution or 
cancellation. At any time and without prior 
notice we may change the Rewards available by 
withdrawing, limiting, modifying or cancelling 
the continued availability of a Reward or the 
number of Points required to obtain a particular 
Reward. However, where possible, we will 
provide you with reasonable notice and a 
genuine opportunity to redeem Points before 
any changes take effect which may materially 
lower the value of Rewards you can redeem 
with your Points. Alternatively, we may make 
adjustments to your Points balance.

9 
(c)   In addition to these terms and conditions, 
Rewards may be subject to some special terms. 
They are set o ut in clause 11 below and may also 
appear on the NAB Rewards Store or in other 
promotional material. These special terms may 
be imposed by us or the Rewards Provider. 
(d)   Clause 14 explains how our responsibility in 
connection with these Rewards Providers 
is limited. 
(e)   You may request to return or exchange a 
Reward, which will be subject to the supplier’s 
approval for a return or exchange. The supplier 
does not have to accept a return or exchange 
for change of mind. 
We will provide reasonable assistance by liaising 
with You and the supplier to arrange any returns 
or exchange of Rewards. 
After you place your request for a Reward, 
you can’t: 
(i)   return the Reward and receive a Points credit 
to your Points Balance, unless the return is 
accepted for the reasons set out as above; 
(ii)   exchange the Reward or receive any 
consideration, including for cash; or 
(iii)   replace the Reward for the same or another 
Reward if the Reward is lost or stolen or 
otherwise destroyed after it is delivered to 
you. This applies to all Rewards, including 
e-vouchers and gift cards. 
(f)   Physical Rewards: 
(i)   will only be delivered to an address in 
Australia; and 
(ii)   will not be delivered to a PO Box address. 
(g)   Except to the extent of our fraud, negligence or 
misconduct if someone other than you claims 
a Reward under clause 10.1, these terms and 
conditions apply as if you had claimed 
the Reward.

10 
10.   How do you claim your Rewards? 
10.1   Who can claim a Reward? 
Your Points Balance can be used to claim a 
Reward by: 
(a)   you when you Call Us to claim the Reward; 
(b)   you and any person able to access the NAB 
Rewards Store and who is authorised to operate 
your Rewards Card Account via NAB Internet 
Banking or NAB Connect using an additional NAB 
ID issued to you under the terms of that service. 
10.2   When can you claim a Reward? 
To claim a Reward: 
(a)   you need to have sufficient Points in your Points 
Balance for the Reward. It’s important to know 
that you can’t pool any Points in your Points 
Balance with Points in another person’s Points 
Balance; 
(b)   you can use the option of Points Plus Pay for 
selected Rewards – see clause 10.5; 
(c)   your Rewards Card Account must not be 
blocked to activity. Examples of when this can 
occur include when your Rewards Card Account 
is in arrears, suspended, closed or in default 
under your Rewards Card Account Terms and 
Conditions. 
10.3   How can you claim your Rewards? 
You can Call Us or access the NAB Rewards Store 
to claim Rewards. 
10.4   Automatic Points redemption 
We may periodically invite you to establish an 
arrangement to automatically redeem NAB Rewards 
Points for specific Rewards. The terms and 
conditions applying to each arrangement we invite 
you to participate in will be made available before 
you enter into any arrangement of this type. 
10.5   What if I don’t have enough Points? 
Rewards available using Points Plus Pay are 
described on the NAB Rewards Store and other 
promotional material.

11 
When a Reward is available using Points Plus Pay: 
(a)   you may use your Points to redeem for a portion 
of the Reward and obtain the remainder of the 
Reward by using any form of payment 
acceptable to the Points Plus Pay provider; 
(b)   you may not use gift cards or e-vouchers to pay 
for the monetary component of the Reward; and 
(c)   if you use your Card for the monetary 
component of the Reward, you will earn Points 
under clause 3. 
11.   What types of Rewards are there? 
Clause 9 “What are Rewards?” and this clause apply 
to the category of Rewards below. Other special 
terms may apply and will be provided on the NAB 
Rewards Store. 
11.1   Loyalty program rewards 
You may redeem your Points and transfer them for 
points with other loyalty programs that are listed on 
the NAB Rewards Store at the time you wish to make 
the transfer. To do so you must: 
(a)   be a member of the applicable loyalty program. 
Membership of NAB Rewards does not entitle 
you to membership of any other loyalty 
program. Your membership of the loyalty 
program is subject to the terms and conditions 
of that program; 
(b)   have earned any required minimum number 
of Points; 
(c)   redeem Points in accordance with any required 
multiple of Points (e.g. multiples of 1,000); and 
(d)   only redeem whole Points for the Points of the 
applicable loyalty program. 
The number of Points required to redeem for the 
points with other loyalty programs may vary 
between Card types and loyalty programs. This 
redemption rate, which is set by us, is described on 
the NAB Rewards Store and may be changed by us 
from time to time in accordance with these terms 
and conditions or the terms and conditions of the 
relevant Card.

12 
For information about the loyalty programs, 
minimum Points requirements and current 
redemption rates, visit the NAB Rewards Store. 
When you ask to redeem Points for points with 
another loyalty program, the Reward will normally 
be available to you in your loyalty program account 
within 14 Business Days of your request. However, 
we are not responsible if there is any delay, except 
to the extent the delay is caused by our fraud, 
negligence or misconduct. 
Once Points have been redeemed for points with 
the other loyalty program they: 
(i)   cannot be converted back to Points or 
otherwise used for Rewards under NAB 
Rewards; and 
(ii)   are subject to the terms and conditions of 
the applicable loyalty program (which may 
be varied in accordance with those terms 
and conditions). We are not responsible if 
you are unable to use the Points with the 
other loyalty program as you had expected. 
11.2 Physical   gift   cards   and   e-vouchers 
You may redeem Points for gift cards and e-vouchers. 
You’ll be notified of any terms and conditions that 
apply to use of your gift card or e-voucher, including 
any expiry date. 
These Rewards: 
(a)   cannot be redeemed or exchanged for cash or 
travellers cheques; or 
(b)   used to earn Points under NAB Rewards. 
Please allow 1 hour for delivery of e-vouchers and 10 
Business Days for delivery of your physical gift cards. 
11.3   Cashback to your Rewards Card Account 
You may redeem Points and receive a credit to your 
Rewards Card Account used to earn the Points. 
Additional conditions about how you can redeem 
Points for this purpose is available on the NAB 
Rewards Store, including: 
(a)   the minimum number of Points or multiples of 
Points required; and

13 
(b)   the redemption rate. 
The credit to your Rewards Card Account will be 
made within 10 Business Days of your Points 
redemption request. As soon as this happens the 
credit is available for your use provided your 
Rewards Card Account is in sufficient credit. 
You must still pay the minimum payment on your 
Monthly Card Statement as required by your Reward 
Card Account Terms and Conditions. 
Any credit to your Rewards Card Account is non- 
refundable. 
11.4   Cashback to your transaction account 
You may redeem Points and receive a credit to a 
nominated NAB account. 
Additional conditions about how you can redeem 
Points for this purpose is available on the NAB 
Rewards Store, including: 
(a)   the list of NAB accounts you can nominate; 
(b)   the minimum number of Points or multiples of 
Points required; and 
(c)   the redemption rate. 
We will credit your nominated NAB account within 
10 Business Days of your Points redemption request. 
As soon as the credit occurs it is available for your 
use. Any credit to your nominated NAB account is 
non-refundable. We accept no responsibility if you 
have incorrectly entered BSB or account numbers. 
11.5   Travel Rewards 
You may redeem Points for travel Rewards. You will 
be provided more information about this Reward 
category on the NAB Rewards Store, including: 
(a)   the list of travel Rewards Providers and available 
travel Rewards; and 
(b)   the minimum number of Points required. 
The travel Rewards Provider’s standard terms and 
conditions apply to any travel Reward. We are not 
responsible for any failure of the travel Rewards 
Provider to provide travel except to the extent the 
failure is caused by our fraud, negligence or 
misconduct.

14 
12.   How long do you have to use your Points 
before they expire? 
(a)   Points in your Points Balance must be used to 
claim a Reward within 36 months from the date 
the transaction earning those Points was 
processed to your Rewards Card Account. Points 
that remain unused in your Points Balance after 
that period will expire and be forfeited. 
(b)   If you ask us to cancel or close your Rewards 
Card Account, you have up to 60 days from the 
date you make the request to use any Points in 
your Points Balance. To redeem these Points 
you need to Call Us. Points that remain unused 
in your Points Balance after that period will 
expire and be forfeited. 
(c)   If you return a Reward and we consent to the 
return (see clause 9), the points you used to 
redeem the Reward will be credited to your 
account. You have up to 30 days from the date 
the Points are credited to your account to use 
these Points. Points that remain unused after 
that period will expire and be forfeited. 
(d)   In the event of your death, your executor or 
administrator, on provision of reasonable 
supporting documentation of their 
appointment, may redeem Points in your Points 
Balance within 60 days of notifying us of your 
death. After that date any unused Points will 
expire and be forfeited. No other person, 
including a Cardholder, can redeem Points once 
we are notified of your death by your executor or 
administrator. 
(e)   If NAB Rewards is terminated by us, we will let 
you know how long you have to use your Points 
– see clause 19.

15 
13.   How to transfer your Points to 
someone   else 
This clause describes the circumstances in which 
you can transfer Points from the Points Balance 
applicable to your Business Rewards Card Account. 
13.1   Who? 
If you earn Points using a Business Rewards Card 
Account, you may Call Us to transfer Points from 
your Points Balance to either: 
(a)   the Points Balance of another Related Body 
Corporate; or 
(b)   the Points Balance of a Cardholder. 
13.2   What you need to provide 
At the time you make the request you will be 
required to provide the full name and address 
details of the recipient of the Points. 
When we process the transfer: 
(a)   both you and the recipient of the Points must 
have an Open and Active Rewards Card Account 
when the transfer is made. The transfer cannot 
be reversed or cancelled by either you or the 
recipient of the Points; 
(b)   Points which have been transferred to the 
recipient’s Points Balance retain their expiry 
period. This recipient of the Points will be 
advised on their Monthly Card Statement when 
the transferred Points will expire; and 
(c)   you must not require or receive any payment or 
anything else of value for any transfer of Points 
to anyone else. 
The transfer of Points may have tax implications. 
We recommend you and the recipient of the Points 
check with an accountant or tax adviser for further 
information.

16 
14.   Who is responsible for the Reward? 
We give no verbal, written or implied warranty about 
any Rewards provided under NAB Rewards. In 
particular, we don’t represent that any particular 
Reward is suitable for a particular purpose for which 
you intend to use it. A Reward will normally come 
with a warranty from the supplier or manufacturer 
of the Reward and any claim in respect of that 
Reward should be made directly to the supplier 
or manufacturer. 
This doesn’t prevent you from claiming against us 
where we supply services in connection with NAB 
Rewards. If you are a consumer, consumer 
protection laws include non-excludable warranties 
which may entitle you to compensation and we can 
only limit our liability in the way and to the extent 
it’s permitted by those laws. 
If we are liable for the breach of any term implied by 
law, our liability for loss or damage from the breach 
is limited to: 
(a)   supplying the service again or paying the costs 
of having the service resupplied; or 
(b)   replacement or repair of the Reward or payment 
of the cost of replacing or repairing the Reward. 
Except to the extent provided by law we do not 
accept any liability for: 
(i)   the loss, theft or destruction of a Reward; 
(ii)   loss arising from the death or injury arising 
from the supply of a Reward; or 
(iii)   any disruption to NAB Rewards, delay or 
inability to provide a Reward caused by 
circumstances beyond our control like 
industrial disputes or acts of God.

17 
We make every reasonable effort to ensure the 
description of offers in connection with Bonus 
Points, Rewards and Rewards Provider terms are 
correct. However, we are necessarily reliant on the 
information provided by Bonus Points Providers and 
Rewards Providers being accurate and for this 
reason we are not responsible for any inaccuracy in 
the description of a Bonus Points promotion or of a 
Reward or any terms applicable to the Reward, 
except to the extent the inaccuracy is caused by our 
fraud, negligence or misconduct. 
15.   How do you get a dispute resolved? 
If you have a complaint in relation to NAB Rewards, 
your allocation of Points or your Points Balance, 
please Call Us. 
We’ll aim to resolve any problem on the spot. 
Sometimes we may require you to confirm details 
of your complaint in writing and to provide 
supporting details. 
If we can’t resolve the complaint promptly we will let 
you know how long we expect it to take. We’ll also 
let you know when we have completed our 
investigations and the reasons for our decision. 
If you are not satisfied with the way your complaint 
has been resolved or the steps we have taken, you 
may wish to contact our external dispute resolution 
scheme, the Australian Financial Complaints 
Authority (AFCA). This is a free service established to 
provide you with an independent mechanism to 
resolve specific complaints. 
The AFCA can be contacted at: 
Telephone: 1800 931 678 (free call) 
Website:   https://www.afca.org.au 
Postal: GPO Box 3 Melbourne VIC 3001 
16.   How we communicate with each other 
16.1   If you need to contact us 
You can Call Us for any enquiries about NAB Rewards 
including Points Balance, Points information on your 
Rewards Statement or Rewards.

18 
16.2   If we need to contact you 
We will send you any notices or information about 
NAB Rewards required by these terms and 
conditions (including changes to these terms and 
conditions   as described in clause 20) by electronic 
methods (as permitted by law). 
These methods may include: email, SMS, a message 
in your Rewards Statement, or through NAB Internet 
Banking or the NAB app. 
If we communicate with you by email or SMS, we will 
use the email address or mobile phone number 
recorded on our file. We consider the notice received 
on the date on the notice or when it reaches the 
addressee’s electronic address, whichever is later. 
You’ll need to regularly check your electronic 
communication for any notices we’ve sent you – 
and let us know if you change your contact details, 
such as your email address or mobile phone number. 
17.   Tax Matters 
We recommend   that you or anyone authorised to 
earn and redeem Points seek independent tax 
advice about the tax consequences (including any 
fringe benefits tax and goods and services tax or 
reporting requirement) arising from the use of this 
Rewards Card Account or Card, or from using NAB 
Rewards, or any Reward or other available NAB 
Rewards facilities. 
18.   Personal Information 
18.1   How we collect and use your personal 
information 
We will collect, hold, use and d isclose information 
about you and other people you authorise to use 
your Points Balance in connection with NAB 
Rewards. Information will include certain personal 
information, and transaction information relating to 
the use of a Card or Rewards Card Account, Points 
earned and requests for Rewards. 
We will use this information for the purposes of NAB 
Rewards to provide and market Rewards and 
services to you, including the products and services 
of our service providers and other third parties.

19 
18.2   We can disclose your personal information 
to others 
We may disclose this information to others in 
connection with NAB Rewards, including to: 
(a)   our service providers and agents engaged for 
the purpose of the administration, provision of 
services relating to NAB Rewards and promotion 
of NAB Rewards; and 
(b)   Reward Providers, Bonus Points Providers and 
other third parties engaged for the purposes of 
performing other services in connection with 
NAB Rewards, including the provision of 
a Reward. 
We treat all personal information with care and in 
accordance with our privacy policy, which is available 
if you Call Us or at   www.nab.com.au/privacy . 
18.3 We   can   tell   you   about   offers   and   news 
We may also use or disclose your personal 
information to let you know about offers and news 
about NAB Rewards and our Rewards partners 
electronically (e.g. email, SMS, and social networking 
forums) that we believe may be of interest to you. 
You can let us know at any time if you no longer wish 
to receive direct marketing electronic offers from 
NAB Rewards by calling us on 13 22 65. We will 
process your request as soon as practicable. 
You can also unsubscribe from marketing applicable 
to NAB Rewards at any time if you Call Us or follow 
the unsubscribe link in an electronic communication 
(including received from NAB Rewards. When you do 
this, you will be unsubscribing from all NAB Rewards 
marketing from us. 
19.   Termination of NAB Rewards 
We may terminate NAB Rewards at any time acting 
reasonably. Where possible, we will give you at least 
90 days’ prior notice of the termination and 
cancellation of your Rewards Card Account (if 
applicable). Circumstances where prior notice may 
not be possible include where we are affected by 
events outside our control (for example, one of our 
key Rewards partners terminates their arrangement 
with us or can no longer perform their obligations).

20 
If we give you notice after termination, Points will 
continue to be credited to your Points Balance in 
relation to transactions that occurred prior to the 
date of termination but only if we received notice 
of the transaction within 90 days after the date of 
termination. 
Any notice we give will include the general reasons 
for termination (if possible), and the time period 
available to you to use Points in your Points Balance 
to claim Rewards. Points will be available for use at 
least three months from the date we notify you that 
NAB Rewards is discontinued. 
Examples of when we may terminate include, but 
are not limited to: 
(a)   where you are in default under these terms and 
conditions, the NAB Credit Card Terms and 
Conditions, or the terms and conditions of 
another facility that the Customer has with us; 
(b)   where we believe on reasonable grounds that 
the continued operation of the account may 
cause loss to the Customer or us. 
These examples are for guidance only and do not 
limit our ability to cancel the account. 
Clause 12(b) describes the time you have to use 
Points if you cancel or close your Rewards Card 
Account. 
20.   Changes to these terms and conditions 
(a)   We may change these terms and conditions and 
other terms and conditions that apply to 
Rewards (described in clause 11). We can: 
Change   Notification   period 
Change in the way you earn 
Points, including a change to 
existing ways or the 
introduction of new ways 
according to the type of Card 
At any time without prior 
notice (but if the change is 
unfavourable, we will try to 
publish details before the 
change takes effect, if we are 
able to do so). We will make 
current information about 
the way to earn Points 
available in the FAQs

21 
Change   Notification   period 
Change to allocation of 
Points for dollar spent 
At any time by giving you at 
least 30 days prior written 
notice 
Change the period for expiry 
of Points 
At any time by giving you at 
least 30 days prior written 
notice 
Remove Rewards   At any time and without prior 
notice. Current information 
is available on NAB Rewards 
Store 
Add and remove Bonus 
Points Providers and Reward 
providers from NAB Rewards 
At any time and without prior 
notice. Current information 
is available on NAB Rewards 
Store 
Introduce any fee or charge 
to use the services available 
in NAB Rewards 
At any time by giving you at 
least 30 days written notice 
Change to the number of 
Points required to redeem a 
Reward 
At any time and without prior 
notice. Current information 
is available on NAB Rewards 
Store 
Change the format and 
frequency of Reward 
Statements 
At any time without notice 
Any other changes   At any time by giving you at 
least 30 days written notice 
(b)   Where we advise you in advance of a change 
under this clause or clause 9(b), you should 
consider whether you want to redeem the 
Points before the change takes effect. 
(c)   Where the Reward Provider or Bonus Points 
Provider is not us, the Rewards Provider and 
Bonus Points Provider may make changes at 
any time and without notice to the terms and 
conditions applying to the Reward they provide 
or the terms and conditions applying to the 
special promotion they offer in connection with 
Bonus Points, as applicable. Changes to these 
terms will be notified on the NAB Rewards Store.

22 
21.   What some words mean 
Term   Definition 
Accountholder, 
you or your 
means the person in whose name the 
Rewards Card Account is kept and who is 
responsible for all transactions on the 
Rewards Card Account. For Business Rewards 
Card Accounts this includes the facility owner 
Bonus Points   mean Points described in clause 4 
Bonus Points 
Provider 
means a provider who offers Bonus Points or 
additional Bonus Points in connection with 
NAB Rewards and includes us 
Business Days   means a day other than a Saturday or Sunday 
or a day gazetted as a public holiday 
throughout Australia 
Business Rewards 
Card Account 
means NAB Rewards Business Signature or 
any other NAB business card facility notified 
to Accountholders from time to time as being 
a Business Rewards Card Account for the 
purposes of these terms and conditions and 
NAB Rewards 
Call Us   means using the contact telephone numbers 
below 
•   for Personal Rewards Card Accounts 
– 13 22 65 
•   for Business Rewards Card Accounts 
– 13 10 12 
Card   means a card issued by us in connection with 
your Rewards Card Account 
Cardholder   means a person you have nominated to be a 
cardholder on your Rewards Card Account in 
accordance with the Rewards Card Account 
Terms and Conditions 
FAQs   means the Frequently Asked Questions 
available in the NAB Rewards Store for 
information about NAB Rewards 
Monthly Card 
Statement 
means the statement of account issued to 
you in accordance with the Rewards Card 
Account Terms and Conditions 
NAB Rewards   means the NAB Rewards program provided 
by us in accordance with these terms and 
conditions 
NAB Rewards 
Store 
means the website we make available to you 
in connection with NAB Rewards via NAB 
Internet Banking or NAB Connect, or any 
other channel NAB makes available to you 
Open and Active   refers to the status of the Rewards Card 
Account, where the account and Card can be 
used to make transactions

23 
Term   Definition 
Personal Rewards 
Card Account 
means a NAB Rewards or NAB Rewards Travel 
or any other NAB Personal Rewards Card 
Account notified to Accountholders from time 
to time as being a Personal Rewards Card 
Account for the purposes of these terms and 
conditions and NAB Rewards 
Points   means the points earned on eligible 
transactions in accordance with these terms 
and conditions 
Points Balance   means the total of points earned in 
connection with your Rewards Card Account 
and recorded on the NAB Rewards Store and 
which is used for the purposes of determining 
entitlement for a Reward 
Points Plus Pay   means the method of obtaining Rewards 
described in clause 10.5 
Related Body 
Corporate 
as defined in the Corporations Act 2001 
Reward   means a service or entitlement to a good or 
service (eg. e-voucher) which can be obtained 
by the redemption of Points in a Points 
Balance under these terms and conditions 
Rewards Card 
Account 
means the Personal Rewards Card Account or 
Business Rewards Card Account which is a 
Rewards Card Account for the purposes of 
these terms and conditions and NAB Rewards 
Rewards Card 
Account Terms and 
Conditions 
means the terms and conditions applicable to 
your Rewards Card Account 
Rewards Provider   means us or any other person who agrees to 
provide Rewards in connection with NAB 
Rewards 
Rewards 
Statement 
means your NAB Rewards statement which 
shows Points earned in connection with your 
Rewards Card Account during the period of 
the statement and includes the Points 
Balance at the closing date of the statement 
We, us, our or NAB   means National Australia Bank Limited ABN 
12 004 044 937

For more information call 
NAB Loyalty Team 
for personal 
13 22 65 
for business 
13 10 12 
or visit us at   nab.com.au 
Help for people with hearing or 
speech communication difficulties. 
Contact us on   13 22 65   through 
the National Relay Service. 
© 2026 National Australia Bank Limited ABN 12 004 044 937 AFSL and 
Australian Credit Licence 230686 A131374-0826

---

# Source: https://www.nab.com.au/content/dam/nab/documents/terms-and-conditions/banking/complimentary-airport-lounge-access-terms-and-conditions.pdf

Complimentary 
Airport Lounge 
Access 
Terms and Conditions 
Effective 1 October 2026

1 
Please read these terms and conditions carefully 
before using the Complimentary Airport Lounge 
Access Program (the “Program”). 
About the Program 
The Program provides eligible NAB Rewards Travel 
(formerly NAB Rewards Signature) Credit Card primary 
cardholders with complimentary access to participating 
airport lounges. 
The Program is administered by Plaza Premium Lounge 
Australia Pty Ltd (ABN 64 165 120 972) (“Plaza Premium”) 
(Sites 3-1307, Sydney International Airport, T1, Mascot, 
NSW, 2020, Australia) and its affiliates ("we/us/our"). 
When you use the Program, for example by accessing 
a participating lounge, you agree to these Terms and 
Conditions. You also agree with our privacy policy 
found   here . 
Your card issuer, National Australian Bank Limited ABN 12 
004 044 937 (AFSL and Australian Credit Licence 230686) 
(“NAB”) is not a party to these terms and conditions. 
Eligibility 
This Program is available to eligible NAB Primary 
Cardholders (“Eligible Cardholders”). Eligible Cardholder 
means the primary cardholder of a NAB Rewards Travel 
(formerly NAB Rewards Signature) Credit Card that NAB 
has designated as participating in the Program. 
You are eligible for the Program if: 
•   you are the primary cardholder of an eligible NAB 
Rewards Travel Credit Card; 
•   your card account is open and in good standing; and 
•   your card has not been suspended, cancelled or 
restricted. 
NAB may change the list of eligible cards or cardholders at 
any time.

2 
Benefit Entitlements 
Eligible Cardholders receive two (2) complimentary lounge 
visits per calendar year. A calendar year means 1 January 
to 31 December. Visit entitlements reset annually at 00:00 
hours on 1 January, based on the local time of the lounge 
location. 
Facilities and services for each lounge visit entitlement 
include: 
•   complimentary lounge access for up to 3 hours 
(depending on the location, some lounges have a 
maximum of up to 2 hours, check the lounge directory 
accessible via NAB’s website for details); 
•   complimentary shower facilities (available at select 
locations); 
•   food and beverage at participating lounges; 
•   newspapers, magazines and flight information displays. 
Facilities and services vary by location. 
Each lounge visit by a single person will use one 
(1) complimentary visit entitlement. You may be 
accompanied by one (1) guest under your annual 
complimentary entitlement. Any additional accompanying 
guests are subject to guest charges. 
Eligible Cardholders may be accompanied by guests into 
participating Plaza Premium Lounges subject to lounge 
capacity, venue entry conditions and payment of any 
applicable guest charges. 
Your annual complimentary visit entitlements can only 
be utilised within the given calendar year. Any unused 
complimentary visits: 
•   cannot be transferred; 
•   cannot be sold; 
•   cannot be exchanged for cash, credit or any other 
benefit; and 
•   do not roll over into the following calendar year.

3 
How to Access the Benefit 
To access a participating lounge, you must: 
•   be an Eligible Cardholder; 
•   present your physical Eligible Card; and 
•   present a valid boarding pass for same-day travel. 
Access is subject to successful verification of your 
eligibility at the participating lounge and capacity 
availability at the participating lounge location. 
Participating lounges may refuse entry where: 
•   lounge capacity has been reached; 
•   eligibility cannot be verified; 
•   the card presented is not an Eligible Card; or 
•   the maximum complimentary visit entitlement for the 
given year has been fully utilised. 
The Program may be accessed at participating Plaza 
Premium Lounges and affiliate lounges as designated 
under the Program. 
Participating locations, operating hours, facilities, services 
and eligibility requirements may change without notice. 
The current list of participating locations can be accessed 
via NAB's website. 
You must comply with all conditions, rules and policies 
imposed by the lounge. 
The operator of a participating venue may refuse entry 
or remove any person whose behaviour is inappropriate, 
disruptive, unsafe or otherwise breaches venue rules. 
Price and Payment 
Under the Program, the two (2) annual complimentary 
lounge visits and benefit entitlements associated, are at 
no extra cost to you, compliments of NAB. 
Once all complimentary visit entitlements for the calendar 
year have been used, Eligible Cardholders may receive 
a discount on the prevailing walk-in lounge entry rate at 
participating Plaza Premium Lounges.

4 
The discount on the prevailing walk-in lounge entry rate: 
•   is available only to Eligible Cardholders; 
•   may also be extended to accompanying guests, where 
permitted by the participating lounge; 
•   is subject to lounge availability; 
•   must be paid using an Eligible Card; 
•   does not apply at affiliate lounges; and 
•   cannot be combined with other offers unless otherwise 
specified. 
The discounted entry fee must be paid directly to the 
participating lounge. 
Liability 
We are not responsible for the operation of participating 
lounges, we do not guarantee lounge availability, capacity, 
facilities, services or operating hours, and we are not 
responsible for goods or services supplied by participating 
lounges. 
We will not be liable for losses that result from our failure 
to comply with these terms and conditions that fall into 
the following categories: 
•   loss of income or revenue; 
•   loss of business; 
•   loss of profits; or 
•   loss of anticipated savings. 
We will not be liable or responsible for any failure to 
perform, or delay in performance, any of our obligations 
under these terms and conditions that is caused by an 
event outside our control. An event outside our control 
means any act or event beyond our reasonable control, 
including without limitation, strikes, lock-outs or other 
industrial action by third parties, civil commotion, riot, 
invasion, terrorist attack or threat of terrorist attack, war 
(whether declared or not) or threat or preparation for 
war, fire, explosion, storm, flood, earthquake, subsidence, 
epidemic or other natural disaster, or failure of public or 
private telecommunications networks.

5 
Nothing in these terms and conditions excludes, restricts 
or modifies any rights you may have under the Australian 
Consumer Law. 
Where you use the services of any participating lounges, 
any losses or liability arising out of, or in connection with 
using such lounge shall be the liability of the participating 
lounge. We will not participate in any dispute between 
you and any participating lounge. We do not give any 
warranty for any goods or services accessed through the 
participating lounges 
Privacy 
Your personal and card information may be collected by 
us, used and disclosed for the purpose of administering 
the Program, validating eligibility and providing lounge 
access services. 
Our Privacy Policy is available at 
www.plazapremiumlounge.com/en-uk/data-privacy- 
and-security-policy 
NAB's Privacy Policy is available at 
www.nab.com.au/privacy 
Terms and Cancellation 
Your access to the Program is valid from 1 October 2026 
until otherwise notified by NAB. 
Your access to the Program will be revoked if your 
eligible card is not open and in good standing, or if it is 
suspended, cancelled or restricted. 
Right to Amend and Revoke these Terms 
and Conditions 
We have the right to amend or revoke these terms 
and conditions with immediate effect at any time. 
This includes any changes to the Program, change to 
eligibility requirements, change to participating locations, 
amendments to these terms and conditions or suspend or 
withdraw the Program. 
Contact Us 
For enquiries relating to the Program, contact Plaza 
Premium Group at   customer.relations@plaza-network.com.

6 
Other Important Terms 
We may transfer our rights and obligations under these 
terms and conditions to another organisation, and we 
will notify you in writing if this happens, but this will not 
affect your rights or our obligations under these terms and 
conditions. 
This contract is between you and us. No other person 
shall have any rights to enforce any of its terms. 
Each of the paragraphs of these terms and conditions 
operates separately. If any court or relevant authority 
decides that any of them are unlawful, the remaining 
paragraphs will remain in full force and effect. 
If we fail to insist that you perform any of your obligations 
under these terms and conditions, or if we do not enforce 
our rights against you, or if we delay in doing so, that will 
not mean that we have waived our rights against you 
and will not mean that you do not have to comply with 
those obligations. If we do waive a default by you, we will 
only do so in writing, and that will not mean that we will 
automatically waive any later default by you. 
If there is any conflict in meaning between the English 
language version of these terms and conditions and any 
version or translation of these terms and conditions, the 
English language version shall prevail. 
These terms are governed by Australian law. You and we 
both agree to submit to the exclusive jurisdiction of the 
Australian courts.

©2026 National Australia Bank Limited ABN 12 004 044 937 
Australian Credit Licence 230686 A185703-0926 
For more information visit 
nab.com.au 
or call NAB on   13 22 65 
Monday to Friday, 8am to 7pm (AEST/AEDT) 
Saturday to Sunday, 9am to 6pm (AEST/AEDT) 
or ask at your   local branch 
Help for people with hearing or 
speech communication difficulties. 
Contact NAB on   13 29 28   through the 
National Relay Service.

---

# Source: https://www.nab.com.au/content/dam/nab/documents/terms-and-conditions/banking/delayed-flight-lounge-pass-terms-and-conditions.pdf

Delayed Flight
Lounge Pass 
Terms and Conditions 
Effective 12 June 2024

1 
Please read these terms and conditions carefully
before registering for the Delayed Flight Lounge
Pass service (the “Service”).
Parties to Service 
The Service is carried out by Collinson Insurance Services
Limited (5th Floor, 3 More London Riverside, London
SE1 2AQ, United Kingdom), a subsidiary of The Collinson
Group Limited, and its affiliates (“we/us/our”). By entering
into these terms and conditions (when you register for the
Service), you agree that you are legally capable of entering
into a binding contract and you are at least 18 years old.
You also agree with our privacy policy found here.
Your card issuer, National Australian Bank Limited
ABN 12 004 044 937 (AFSL and Australian Credit Licence
230686) (“NAB”) is not a party to these terms and
conditions. 
Eligibility 
This Service is available to all customers with eligible
NAB Cards. ‘Eligible NAB Card’ means a participating NAB
personal card (being the NAB Rewards Signature Credit
card as at 12 June 2024) that is valid and in good standing
(not cancelled, suspended or delinquent) at the time of
the registration for the Service. 
How to use the Service 
To access this service, register your flight/s on the service
website provided by NAB. You can register at any time
once a flight has been scheduled (typically up to 364 days
in advance) and 24 hours before your flight’s scheduled
departure. We reserve the right not to provide the Service
if you fail to accurately register your details. The departure
of your flight will be monitored by our flight tracking
system. Subject to a successful prior registration, we will
provide you with a lounge access voucher via email if our
flight tracking system identifies that your flight is delayed
by more than 60 minutes (the “Delay Threshold”). You will
also receive an SMS to notify you of such emails. Access
to the email account you provide at registration and the
ability to display your lounge access voucher is a condition
of use of the Service.

2
A delay which meets or exceeds the Delay Threshold can
be announced as one single period of delay, or as a result
of a consequence of multiple incremental shorter delays
totalling the Delay Threshold.
We will rely solely on our flight tracking system to
determine if you have become eligible for lounge access.
You accept that we do not warrant the accuracy of the
flight tracking system and you will not rely on it to track
your flight departure time.
In the event of a qualifying travel delay, a lounge access
voucher will be provided to your email address for
you and up to 4 travel companions on the same day of
your flight travel. It cannot be used on any other day of
your   travel.
Only the named individuals in the email confirmation will
be eligible to receive the Service.
The Service is provided to you on a non-transferable,
non-refundable and non-changeable basis. No cash or
credit alternatives will be offered.
You expressly accept all conditions of use that are
applicable to the Service (“Conditions of Use”) provided
by us. Our terms and conditions for lounge access can be
found here: https://loungefinder.loungekey.com/pass/
conditions-of-use.
Where applicable, by accessing the airport lounge, you
agree to abide by the rules and policies of the lounge. 
Price and Payment 
This Service is at no extra cost to you, compliments of
NAB. 
Liability 
If we fail to comply with these terms and conditions, we
shall only be liable for the issuance of a participating
lounge access replacement voucher. Replacement
vouchers are non-refundable and cannot be exchanged
for cash. We shall not be liable to reimburse you for any
out of pocket costs or expenses or lounge access costs
incurred by you at the airport should you choose to access
the lounge at your own cost.

3
We will not be liable for losses that result from our failure
to comply with these terms and conditions that fall into
the following categories:
•   loss of income or revenue;
•   loss of business;
•   loss of profits; or
•   loss of anticipated savings.
We will not be liable or responsible for any failure to
perform, or delay in performance of, any of our obligations
under these terms and conditions that is caused by an
event outside our Control. An event outside our control
means any act or event beyond our reasonable control,
including without limitation, strikes, lock-outs or other
industrial action by third parties, civil commotion, riot,
invasion, terrorist attack or threat of terrorist attack, war
(whether declared or not) or threat or preparation for
war, fire, explosion, storm, flood, earthquake, subsidence,
epidemic or other natural disaster, or failure of public or
private telecommunications networks.
Nothing in these terms and conditions exclude or limit our
liability for any matter for which it would be illegal for us
to exclude or attempt to exclude our liability.
Where you use the Services of any participating airport
lounge, any losses or liability arising out of, or in
connection with using such lounge shall be the liability
of the participating lounge. We will not participate in any
dispute between you and any participating lounge. We do
not give any warranty for any goods or services accessed
through the participating lounges.
You agree that you will defend and indemnify us, and our
companies, directors, officers, employees and agents
(collectively 'the indemnified parties') against and hold
each indemnified party harmless from all liabilities,
damages, losses, claims, suits, judgments, costs and
expenses (including reasonable legal fees) for injury
to or death of any person or damage to or destruction
of any property arising out of the use of the Service by
you, except that such indemnification shall not extend
to acts of gross negligence or willful misconduct by the
indemnified parties.

4 
Term and Cancellation 
Your access to the Service is valid from 12 June 2024 until
otherwise notified by NAB.
Your access to the Service will be revoked if your eligible
card/s is/are cancelled. 
Notices 
You accept that communication with us will mainly
be electronic. You agree to this electronic means of
communication and you acknowledge that all contracts,
notices, information and other communications that
we provide to you electronically comply with any legal
requirement that such communications be in writing.
This condition does not affect your statutory rights. 
Right to Amend and Revoke These Terms
and Conditions 
We have the right to amend or terminate these terms and
conditions with immediate effect at any time. 
Customer Service 
If you have a complaint about any aspect of the Service,
please contact: smartdelaysupport@collinsongroup.com 
Other Important Terms 
We may transfer our rights and obligations under these
terms and conditions to another organisation, and we
will notify you in writing if this happens, but this will not
affect your rights or our obligations under these terms and
conditions.
This contract is between you and us. No other person
shall have any rights to enforce any of its terms.
Each of the paragraphs of these terms and conditions
operates separately. If any court or relevant authority
decides that any of them are unlawful, the remaining
paragraphs will remain in full force and effect.
If we fail to insist that you perform any of your obligations
under these terms and conditions, or if we do not enforce
our rights against you, or if we delay in doing so, that will
not mean that we have waived our rights against you
and will not mean that you do not have to comply with

those obligations. If we do waive a default by you, we will
only do so in writing, and that will not mean that we will
automatically waive any later default by you.
If there is any conflict in meaning between the English
language version of these terms and conditions and any
version or translation of these terms and conditions, the
English language version shall prevail.
These terms are governed by English law. You and we
both agree to submit to the exclusive jurisdiction of the
English   courts.
©2024 National Australia Bank Limited ABN 12 004 044 937
Australian Credit Licence 230686 A177000-0524
For more information visit 
nab.com.au 
or call us on   13 22 65 
Monday to Friday, 8am to 7pm (AEST/AEDT)
Saturday to Sunday, 9am to 6pm (AEST/AEDT)
or ask at your   local branch 
Help for people with hearing or
speech   communication difficulties.
Contact us on   13 29 28   through the 
National Relay Service.

---

# Source: https://www.nab.com.au/content/dam/nab/documents/terms-and-conditions/banking/mobile-phone-protection-insurance-terms-and-conditions.pdf

NAB Cards
Complimentary
Mobile Phone
Insurance Terms
and Conditions 
Effective Date: 12th June 2024
Mobile Phone Protection Insurance

2
AIG Australia Limited of Level 19, 2 Park Street Sydney
NSW 2000 (the “Insurer”) has issued a group policy (the
“Group Policy”) to the Policyholder which is subject to
the terms and conditions contained herein. 
I.   Preamble and disclosures 
This document contains important information about the
Group Policy, which are available to Eligible Cardholders
(“You/Your”). Cover applies to claims made on or after
12   June 2024. Eligible Cardholders are not covered for
claims made for losses occurring after termination of or
the expiry of the period of the Group Policy. The
Policyholder will provide Eligible Cardholders with
details of any replacement cover. There is no obligation
to accept any of these benefits. However, if You wish to
claim any of these benefits, You will be bound by the
Group Policy and the terms, conditions and exclusions
relevant to the cover provided.
The benefits of the Group Policy is provided to Eligible
Cardholders who hold an Eligible Card.
National Australia Bank Limited (ABN 12 004 044 937),
AFSL and Australian credit licence 230686) is the
Policyholder under the Group Policy. The Policyholder is
not the issuer of the Insurance Coverage and neither the
Policyholder nor any of its related corporations
guarantee any of the benefits under the Group Policy.
The covers described in this document are provided for
Your benefit under the Group Policy entered into
between the Insurer and the Policyholder. The
Policyholder is the policy owner. When eligible, You have
the benefit of cover as a third party beneficiary solely by
reason of the statutory operation of Section 48 of the
Insurance Contracts Act 1984 (Cth). This means that
subject to the terms of the Group Policy and these terms
and conditions, Your right to claim under the Group
Policy will be covered and paid by the Insurer.
The cover is provided at no additional cost to You and the
Policyholder does not receive any commission or
remuneration from the Insurer in relation to this cover.
The Policyholder does not hold anything on trust for, or
for the benefit of, or on behalf of, You in relation to this
Insurance Coverage.

3
The terms and conditions of cover found in this
document only provides factual information in relation to
the Insurance Coverage. The information the Insurer
provides is not intended to and does not provide or imply
any recommendation or opinion about such insurance.
So as to make sure that the cover meets Your needs and
is suitable for You and Your personal circumstances,
these terms and conditions must be reviewed by You
and, if necessary, You should also seek independent
financial advice in relation to same.
Neither the Policyholder nor any of its related
corporations are Authorised Representatives (under the
Corporations Act 2001) of the Insurer. The Policyholder
does not act on behalf of the Insurer or on Your behalf in
relation to the Group Policy.
If the Group Policy is terminated, any claim made for
losses arising prior to such date of termination will be
covered by and subject to the terms of the Group Policy.
The Policyholder will give You prior written notice if the
Group Policy ends.
You are able to verify the current status of Your coverage
and whether the Group Policy is still current by
contacting the Insurer at:
AIG Australia Limited
Level 19, 2 Park Street
Sydney, NSW 2000
Australia
Apac.partners@AIG.com 
Code of Practice 
The Insurer is a signatory to the General Insurance Code
of Practice (“Code”). The Code sets out the minimum
standards of service that can be expected from the
insurance industry and requires insurers to be open, fair
and honest in their dealings with customers.
The Insurer is committed to adhering to the objectives of
the Code and to uphold these minimum standards when
providing services covered by this Code. The Code
objectives will be followed having regards to the law and
acknowledging that a contract of insurance is a contract
based on the utmost good faith.

4
The Code Governance Committee is the independent
body that monitors and enforces insurers’ compliance
with the Code. Their purpose is to drive better Code
compliance and helping the insurance industry to
improve its service to consumers.
For more information on the Code please visit
www.codeofpractice.com.au.
For more information on the Code Governance
Committee please   visit www.insurancecode.org.au 
Complaints and Feedback 
Learning about Your experiences with Us and our service
partners helps to improve the way We do business with
You. If You have feedback, or an issue You would like
resolved We encourage You to make contact. Below is
information on how to contact Us and how We will work
together to resolve any concerns You have. 
How to provide feedback
1.   Speak to Our Complaints team 
Our complaints team can be contacted on 1800 339 669.
To get the best out of Your call with Us, please have Your
policy and/or claim number available and any specific
information about the issue. 
2.   Provide Your feedback in writing 
If You would prefer to provide Your feedback or complaint
in writing You can do so by lodging Your complaint on Our
website, or by writing to: 
The Complaints Team 
AIG Australia Limited
Level 13, 717 Bourke Street
Docklands VIC 3008
Email: aucomplaints@aig.com 
What happens if You make a complaint? 
If You make a complaint, We will record Your complaint
and make sure that Your concerns are addressed as
quickly as possible and seek to achieve a fair outcome for
both parties.

5
We will assess Your complaint upon receipt. During the
complaints process as set out in this notice, We will meet
the following requirements in respect of Your complaint.
•   Acknowledge Your complaint within one (1)
business   day.
•   We will tell You who will handle Your complaint and
their contact details.
•   We will, where applicable, keep You informed via Your
preferred method of communication of the progress
of   Your complaint every ten (10) business days, more
frequently or necessary or as agreed by both of us.
•   We will treat Your complaint respectfully and handle
all personal information in accordance with Our
Privacy Policy.
•   Within 30 calendar days from the date We receive
Your   complaint, We will provide a response to Your
complaint.
If We cannot meet any of the stated time frames, We will
communicate to You the reasons why this has not been
possible. We will also advise You when You should expect
to receive a response or decision. If You are dissatisfied
with the reasons provided, and Your complaint is eligible
to be heard by AFCA under their rules We will advise You
of Your right to make a complaint to AFCA and provide to
You the AFCA contact details. 
What You can do if You are not happy with
Our response or handling of Your complaint 
If You are not satisfied with Our response or the handling
of Your complaint, You may wish to have the matter
reviewed by Our Internal Dispute Resolution Committee
(“Committee”).
If You wish to have Your complaint reviewed by the
Committee, please telephone or write to the complaints
team as per the details above. As part of Your request,
please include detailed reasons for requesting the review
and the outcome You are seeking. This information will
assist the Committee in carrying out its assessment and
review of Your complaint.
A written response setting out the final decision of the
Committee and the reasons for this decision will be
provided to You.

6
If We are unable to provide a response within 30 calendar
days of receipt of the initial complaint, We will inform You
of (i) the time frame for when Your complaint will be
heard by the Committee, (ii) when You should expect to
receive a response from the Committee; (iii) the reasons
for such delay; (iv) Your right to complain to AFCA if You
are dissatisfied with such reasons; and (v) the contact
details for AFCA. 
Your right to complain to the Australian
Financial Complaints Authority (AFCA) 
You can take Your complaint to AFCA at any time,
including:
•   if We have been unable to resolve Your complaint
within 30 calendar days;
•   You are dissatisfied with the outcome of Your
complaint; or
•   You are dissatisfied with the findings of the Committee.
AFCA provides a fair and independent financial services
complaint resolution service that is free to consumers.
AFCA can make decisions with which AIG is obliged to
comply.
Under AFCA Rules, Your complaint may be referred back
to Us if it has not gone through Our complaints process.
AFCA’s contact details are:
Australian Financial Complaints Authority (AFCA)
GPO Box 3
Melbourne VIC 3001
Website: www.afca.org.au
Email: info@afca.org.au
Phone: 1800 931 678 (free call)
The use of AFCA does not preclude You from
subsequently exercising any legal rights which You may
have if You are still unhappy with the outcome. Before
doing so however, We strongly recommend that You
obtain independent legal advice.
If Your complaint does not fall within AFCA’s Rules, We
will advise You to seek independent legal advice or give
You information about any other external dispute
resolution options where available to You.

7 
Privacy notice 
This notice sets out how the Insurer (“AIG”) collects, uses
and discloses personal information about:
•   You, if an individual; and
•   other individuals You provide information about.
Further information about Our Privacy Policy is available
at www.aig.com.au or by contacting Us on 1300 030 886
or at australia.privacy.manager@aig.com. 
How We Collect Your Personal Information 
AIG usually collects personal information from You or
Your agents. Under the Group Policy, AIG will only collect
Your personal information during a claim submission.
AIG may also collect personal information from:
•   its agents and service providers;
•   other insurers;
•   people who are involved in a claim or assist AIG in
investigating or processing claims, including third
parties claiming under the Group Policy, witnesses
and medical practitioners;
•   third parties who may be arranging insurance cover
for a group that You are a part of;
•   providers of marketing lists and industry databases;
and
•   publicly available sources. 
Why We Collect Your Personal Information 
AIG collects information necessary to:
•   underwrite and administer Your insurance cover;
•   improve customer service and products and carry out
research and analysis, including data analytics; and
•   advise You of its and other products and services that
may interest You.
Failure to disclose information required may result in AIG
declining cover, cancelling Your insurance cover or
reducing the level of cover, or declining claims.

8 
To Whom We Disclose Your Personal
Information 
In the course of underwriting and administering the
Group Policy, AIG may disclose Your information to:
•   Your or its agents, entities to which AIG is related,
reinsurers, contractors or third-party providers
providing services related to the administration of the
Group Policy;
•   banks and financial institutions for policy payments;
•   the Policyholder;
•   Your or its agents, assessors, third-party
administrators, emergency providers, retailers,
medical providers, travel carriers, in the event of a
claim;
•   entities to which AIG is related and third-party
providers for data analytics functions;
•   other entities to enable them to offer their products or
services to You; and
•   government, law enforcement, dispute resolution,
statutory or regulatory bodies, or as required by law.
AIG is likely to disclose information to some of these
entities located overseas, including in the following
countries: United States of America, Canada, Bermuda,
United Kingdom, Ireland, Belgium, The Netherlands,
Germany, France, Singapore, Malaysia, the Philippines,
India, Hong Kong, New Zealand as well as any country in
which You have a claim and such other countries as may
be notified in Our Privacy Policy from time to time.
You may request not to receive direct marketing
communications from AIG. 
Access to Your Personal Information 
Our Privacy Policy contains information about how You
may access and seek correction of personal information
AIG hold about You. In summary, You may gain access to
Your personal information by submitting a written
request to AIG.
In some circumstances permitted under the Privacy Act
1988, AIG may not permit access to Your personal
information. Circumstances where access may be denied
include where it would have an unreasonable impact on

9
the privacy of other individuals, or where it would be
unlawful. 
Complaints 
Our Privacy Policy also contains information about how
You may complain about a breach of the applicable
privacy principles and how AIG will deal with such a
complaint. 
Consent 
If applicable, Your application includes a consent that You
and any other individuals You provide information about
consent to the collection, use and disclosure of personal
information as set out in this notice. 
II. Summary of cover 
Subject to the terms contained in this document and the
Group Policy, the Insurer agrees to provide the following
coverage to Eligible Cardholders (“Insurance Coverage”): 
Insurance Coverage   Benefit Amount
(in Australian Dollars) 
Mobile Phone
Protection
Per Occurrence Limit: $ 1,000
Annual Aggregate Limit: $ 1,650
Excess: $ 50 
Claim Amount and Excess 
We will pay up to the maximum Per Occurrence Limit per
Eligible Card for each claim as stated in the Summary of
Cover table above. The maximum amount We will pay per
Eligible Card for all claims within a period of twelve (12)
consecutive months for which the Insurer is liable during
the Group Policy Period is the Annual Aggregate Limit set
out in the table above.
Under Mobile Phone Protection, for each and every
claim, You will be obliged to pay an Excess of AUD 50.
Under the Group Policy, the Insurer agrees to provide
Insurance Coverage to Eligible Cardholders as set out in
the Group Policy and based on the BINs provided by the
Policyholder.

10 
III. Definitions 
Terms with a specific meaning are defined below and
shall have the same meaning wherever they appear: 
Accidental Damage   means items that can no longer
perform the function they were intended for due to
broken parts or material or structural failures due to an
accident. 
AFSL   means Australian Financial Services Licence. 
Annual Aggregate Limit   means the maximum amount
per Eligible Card (as specified in the Limits of Liability and
Summary of Cover as well as the applicable coverage
sections) within a period of twelve (12) consecutive
months for which the Insurer is liable during the Group
Policy Period. 
BIN   means banking identification number. 
Business Day   means a day other than a Saturday,
Sunday or public holiday in New South Wales. 
Cardholders   means all individuals who have been issued
an Eligible Card, including secondary or additional
cardholders on the same account, in the Territory. 
Damage   means items that can no longer perform the
function they were intended for due to broken parts or
material or structural failures due to an accident. 
Eligible Card   means a participating Issuer’s Mastercard
and/or Visa cards. 
Eligible Cardholders   means those Cardholders with
Eligible Cards that are valid and in good standing (not
cancelled, suspended or delinquent) at the time of claim
who shall be entitled to receive payment or such other
benefit as is provided for under these coverage
conditions. 
Eligible Mobile Telephone   means the mobile telephone
associated with the Eligible Cardholder’s Monthly Mobile
Plan. For the avoidance of doubt, only mobile phones
and smartphones, excluding tablets, are covered under
the Group Policy. 
Excess   means a monetary contribution You are required
to pay towards a claim You make on the Group Policy. 
Group Policy   means the contract of insurance between
the Insurer and Policyholder.

11 
Group Policy Period   means the period beginning from
12 June 2024 and until the Group Policy is terminated. 
Insurance Coverage   has the meaning given in section II
(‘Summary of Cover’). 
Insurer/We/Us/Our/AIG   means AIG Australia Limited. 
Issuer   means National Australia Bank Limited (ABN 12
004 044 937, AFSL and Australian Credit Licence 230686),
an entity that is authorized by Mastercard and/or Visa to
operate a card program in the Territory and has arranged
this insurance offering to Eligible Cardholders under the
Group Policy. 
Monthly Mobile Plan   means an Eligible Mobile
Telephone subscription where the Eligible Cardholder
enters into a contract with a mobile provider for a mobile
telephone and SIM or SIM only plan with a monthly
automatic billing arrangement. 
Mysteriously Disappear or Mysterious Disappearance 
means the vanishing of an item in an unexplained
manner where there is absence of evidence of a wrongful
act by a person or persons. 
Per Occurrence Limit   means the maximum amount
payable as specified under the Limits of Liability and
Summary of Cover as well as the applicable coverage
sections. 
Policyholder   means National Australia Bank Limited
(ABN 12 004 044 937, AFSL and Australian Credit Licence
230686). 
Territory   means the country where the Eligible Card was
issued, being Australia. 
Theft   means the illegal act of taking an Eligible Mobile
Telephone under Mobile Phone Protection belonging to
the Eligible Cardholder without their consent, with intent
to deprive him/her of its value. 
War   means any declared or undeclared war or any
warlike activities, including use of military force by any
sovereign nation to achieve economic, geographic,
nationalistic, political, racial, religious or other ends. 
You   means, unless otherwise indicated, the Eligible
Cardholders. 
Your   means belonging or pertaining to You.

12 
IV. Insurance coverage 
The Insurance Coverage which will be provided to the
Eligible Cardholder is detailed in the sections below and
in accordance with the Summary of Cover set out above
and Limits of Liability sections set out below. 
Mobile phone protection 
The Insurer will pay for loss due to Accidental Damage or
Theft up to the Per Occurrence Limit and subject to the
Annual Aggregate Limit per Eligible Card if the Eligible
Cardholder’s Monthly Mobile Plan bill for the billing cycle
preceding the month in which the Accidental Damage or
Theft occurred is paid in full through the Eligible Card.
Insurance Coverage shall be provided under this Section
for the Eligible Mobile Telephone stolen or damaged after
the Initial Effective Date of Insurance Coverage (specified
below) and before the Individual Termination Date
(specified below). The full payment of the Eligible
Cardholder’s Monthly Mobile Plan bill for the billing cycle
preceding the month in which the Accidental Damage or
Theft occurred using the Eligible Card must be made after
the inception of the Group Policy. Insurance Coverage
shall not be provided for any Eligible Mobile Telephone
stolen or damaged after the Individual Termination Date.
Insurance Coverage is limited to Accidental Damage or
Theft up to the Per Occurrence limit stated in the Summary
of Cover and subject to the terms, conditions, exclusions,
and limits of liability of this cover as well as the Excess
stated in the Summary of Cover above. The Annual
Aggregate Limit is also stated in the Summary of Cover. 
Valuation Specific to Mobile Phone Protection 
We shall be liable only for the lesser of the following
amounts:
1.   the actual cost to repair or replace the Eligible Mobile
Telephone after the excess has first been applied to
the cost to repair or replace the Eligible Mobile
Telephone; or
2.   the Per Occurrence Limit

13 
Scope of Insurance Coverage Specific to
Mobile Phone Protection 
Our maximum liability under the Group Policy may not
exceed Annual Aggregate Limit per Eligible Card per
twelve-month period. 
Insurance Coverage Conditions Specific to
Mobile Phone Protection
1.   You will only be reimbursed for Accidental Damage
or Theft of an Eligible Mobile Telephone.
2.   Initial Effective Date of Insurance Coverage 
Insurance Coverage begins on the first day of the
calendar month following the payment of Your Monthly
Mobile Plan bill (the “Initial Effective Date of Insurance
Coverage”). Insurance Coverage will be valid until last
day   of the calendar month following the payment of
Your   Monthly Mobile Plan bill. 
3.   Suspension of Insurance Coverage 
Insurance Coverage under the Group Policy will be
suspended on the first day of the following calendar
month if an Eligible Cardholder fails to make a Monthly
Mobile Plan bill payment using the Eligible Card while
Insurance Coverage is in effect in the previous month. 
4.   Resumption of Insurance Coverage 
If Insurance Coverage under the Group Policy is
suspended, Insurance Coverage will resume on the first
day of the following calendar month following the date of
any future Monthly Mobile Plan bill payment using an
Eligible Card in accordance with paragraph 2 (“Initial
Effective Date of Insurance Coverage”).
For example, an Eligible Cardholder paid their Monthly
Mobile Plan bill on 15 February using their Eligible Card.
The Insurance Coverage starts automatically from 1   March
until 31 March. If then the Eligible Cardholder does not pay
their Monthly Mobile Plan bill in the month of March, there
will be no Insurance Coverage in April. Should the Eligible
Cardholder then pay their Monthly Mobile Plan bill in full
on 5 May using their Eligible Card, the Insurance Coverage
will then resume on 1 June until   30 June. 
5.   Insurance Coverage is excess of any other
applicable insurance or indemnity the Eligible
Cardholder may have.

14 
Exclusions Specific to Mobile Phone Protection 
Under this Section, We will not pay for any of the following:
1.   Mobile telephone accessories other than the
standard battery and/or standard antenna provided
by the manufacturer.
2.   Eligible Mobile Telephones that are lost or
Mysteriously Disappear, as defined in this document.
3.   Eligible Mobile Telephones under the care and control
of a common carrier, including, but not limited to, the
postal service, airlines or delivery service, and Eligible
Mobile Telephone is not under the Eligible
Cardholder`s possession at time of the incident.
4.   Eligible Mobile Telephones stolen from baggage whilst
travelling unless hand-carried and under the Eligible
Cardholder`s supervision or under the supervision of
the Eligible Cardholder`s traveling companion who is
previously known to the Eligible Cardholder.
5.   Cosmetic damage such as a dent or scratch to the
Eligible Mobile Telephone or Accidental Damage that
does not impact the Eligible Mobile Telephone`s
operation and functions (including minor screen
cracks and fractures less than 5 cm in length that
does not prevent the ability to make or receive phone
calls or to use other operations and functions of the
Eligible Mobile Telephone).
6.   Accidental Damage or Theft resulting from any
intentional acts or omission by You or anyone acting
on Your behalf, willful damage, destruction or
misplacement of the Eligible Mobile Telephone,
fraud, hostilities of any kind (including, but not
limited to, War, invasion, rebellion or insurrection),
confiscation by the authorities, risks of contraband,
illegal activities, normal wear and tear, flood,
earthquake, radioactive contamination, or damage
from inherent product defects or vermin.
7.   Accidental Damage or Theft resulting from mis-
delivery or non-return of the Eligible Mobile
Telephone lent or voluntarily given to a third party.
8.   A mobile telephone purchased for resale or
commercial use. Subject to the terms of this
document, Insurance Coverage is for personal mobile
phone devices and for use by Eligible Cardholder for
personal purposes only.
9.   Electrical, electronic or mechanical defects where
there is no evidence of Accidental Damage.

15 
V. Eligible cardholders making a
claim after a loss 
You are required to reasonably cooperate with Us in
investigating, evaluating and settling a claim. In the event
of any loss which may be covered under the Group Policy,
You must contact Us as soon as reasonably practicable
after the discovery of such loss.
To file a claim, You may log on to
https://ba.mycardbenefits.com/ or send a notification to
Us to obtain a claim form and instructions on what to do
after a loss.
You are not required to contact the Policyholder in the
event of a claim.
Our contact details are set out below:
AIG Australia Limited
Level 19, 2 Park Street
Sydney, NSW 2000
Australia
Tel: +61395224111
Customer Service Timing: 8:30AM to 5:30PM,
Monday to Friday
Email: Apac.partners@AIG.com 
How to file a claim: 
The Eligible Cardholder must file a claim as soon as
reasonably practicable, and provide:
a.   completed and signed claim form as soon as
reasonably practicable;
b.   Eligible Cardholder’s card statement reflecting the
monthly Eligible Mobile Telephone payment as soon
as reasonably practicable for the month preceding
the date the Eligible Mobile Telephone was subject to
Theft or suffered Accidental Damage;
c.   A copy of the Eligible Cardholder’s most recent
mobile provider’s billing statement as soon as
reasonably practicable showing the payment for the
Monthly Mobile Plan;
d.   If available, a copy of the original Eligible Mobile
Telephone purchase receipt or other sufficient proof
of the Eligible Mobile Telephone model currently

16
linked to the Eligible Cardholder’s Eligible Mobile
Telephone account as soon as reasonably practicable;
e.   If the Eligible Cardholder has an existing insurance
from the mobile operator, a copy of the insurance
claim to the Eligible Cardholder’s mobile telephone
insurance, or in the event that the claim amount is
less than the Eligible Cardholder’s deductible, a copy
of the policy’s declarations page as soon as
reasonably practicable;
f.   If a claim is due to Accidental Damage, a copy of the
repair estimate and photos as soon as reasonably
practicable of the Accidental Damage. We may also
reasonably require You to send in the damaged
Eligible Mobile Telephone(s), at Your expense, for
further evaluation of Your claim; and
g.   If the claim is due to Theft, a copy of the police report
filed as soon as reasonably practicable.
In the event of an occurrence that may lead to a claim or
loss under the Insurance Coverage set out above, You must:
•   take all reasonable practicable measures to prevent
and avoid further loss or damage;
•   complete, sign and return the claims form within a
reasonable time period together with copies of all
reasonable proof of Your loss and other relevant
documents such as relevant receipts, documents,
letters, credit and debit card statements together with
accompanying documents and such details and
written proof as may reasonably be required by Us;
•   disclose to Us details of any other insurance cover
under which You are entitled to claim;
•   upon notifying Us of the claim You cannot make any
admissions, offers, promises or payment, or conduct
any negotiations, without Our prior written consent;
•   where reasonably necessary, grant authorization for
Us to obtain Your records and other information, such
as credit reports (if applicable);
•   provide Your financial reports, including, but not
limited to bank statements, as reasonably necessary
to assess Your claim;
•   reasonably co-operate with Us in investigating,
evaluating and settling a claim; and
•   if the loss involved theft report of the theft to the
police as soon as reasonably practicable.

17 
VI. Limits of liability
Per Occurrence:   Our liability for any one incident shall
not exceed the limit stated in in the Section headed
“Claim Amount and Excess”. 
Annual Aggregate:   The total of all benefits paid or
payable while the Group Policy is in force in connection
with any particular Insurance Coverage shall not exceed
the limit stated in in in the Section headed “Claim
Amount and Excess”. 
Excess:   Subject to the Group Policy limits that apply, We
will pay only that part of the total of all covered loss that
exceeds the Excess (if any) specified in the Section
headed “Claim Amount and Excess”. 
Individual Termination Date 
An Eligible Cardholder’s coverage under the Group Policy
shall terminate on the earliest of:
1.   the date the Eligible Cardholder no longer qualifies
as an Eligible Cardholder;
2.   the date the Eligible Card is determined to be
ineligible by the Issuer;
3.   the date the Issuer ceases to participate in this
program; or
4.   the date the Group Policy is terminated,
(such date being the “Individual Termination Date”).
Upon termination for the reasons set out above, the
Issuer will as soon as reasonably practicable notify You of
the same.
Subject to the terms of the Insurance Coverage (as
described above in Section IV), an Eligible Cardholder
may make a claim after the Individual Termination Date
for losses occurring after the Initial Effective Date of
Insurance Coverage and before the Individual
Termination Date.
The Individual Termination Date does not affect the
progress of claims made before such termination date.

18 
VII. General policy conditions
A.   Disputes 
Subject to the dispute resolution process outlined above,
in the event of a dispute between Us and You, the courts
of New South Wales shall have non-exclusive jurisdiction
to adjudicate the dispute. 
B.   Governing Law 
The Group Policy shall be governed by the laws of the
state of New South Wales. 
C.   Loss Prevention 
You must use all reasonable means to avoid future loss at
and after the time of loss. 
D.   Fraudulent Claims 
If a claim is in any respect fraudulent, all benefits in
respect of such claim shall be forfeited. 
E.   Payment of Claims 
All payments to be made by the Insurer shall be paid to
Eligible Cardholder in the Territory and such payments
shall be subject to the laws and regulations then in effect
in the Territory. 
F.   Sanctions 
We shall not be deemed to provide cover and We shall
not be liable to pay any claim or provide any benefit
hereunder to the extent that the provision of such cover,
payment of such claim or provision of such benefit would
expose Us, its parent company or its ultimate controlling
entity to any sanction, prohibition or restriction under
United Nations resolutions or the trade or economic
sanctions, laws or regulations of the European Union
or   the United States of America or the Commonwealth
of   Australia. 
G.   Transfer 
The Policyholder or You may not transfer its interest in
this insurance to anyone. 
H.   Changes 
The Policyholder must notify Us within 15 days of any
change in circumstance which will affect the Group Policy.

19
If the Policyholder advises Us of any change in
circumstance that will affect the Group Policy, We reserve
the right to amend any of the terms and conditions of the
Group Policy following notice to You by the Policyholder.
No change or modification of the Group Policy shall be
effective except when made by written endorsement
signed by Our authorized representative. 
I.   Subrogation 
If We settle any claim or payment or otherwise cover any
loss applying under the Group Policy, We shall be
subrogated to all Your rights of recovery against any
other person or persons and You shall complete, sign and
deliver any documents necessary to secure such rights.
You shall not take any action following a loss to prejudice
such rights of subrogation. 
J.   Compliance 
The benefits of the Group Policy are subject always to
Your full compliance with these terms and conditions. 
K.   Group Policy Term and Termination 
Subject to Your rights to claim in the event of termination
of the Group Policy, as detailed under Section I above
(‘PREAMBLE AND DISCLOSURES’) and in section L below
(‘Consequences of termination of Group Policy’), the
Insurance Coverage which is provided under the Sections
detailed above, will only be provided during the Group
Policy Period. The Group Policy Period begins at 12:00
a.m. on 12 June 2024 and ends when the Group Policy is
terminated.
The Policyholder will give Eligible Cardholders written
notice if the Group Policy ends. 
L.   Consequences of Termination of Group Policy 
Termination of the Group Policy does not extinguish or
otherwise affect an Eligible Cardholder’s right to make a
claim for losses occurring before the date of termination
during the period of Insurance Coverage, or the progress
of claims that were made before the termination date.

©2024 National Australia Bank Limited ABN 12 004 044 937
Australian Credit Licence 230686 A177010-0524
For more information visit 
nab.com.au 
or call us on   13 22 65 
Monday to Friday, 8am to 7pm (AEST/AEDT)
Saturday to Sunday, 9am to 6pm (AEST/AEDT)
or ask at your   local branch 
Help for people with hearing or speech
communication difficulties. Contact us on 
13   29   28   through the   National Relay Service.

---

# Source: https://www.nab.com.au/content/dam/nabrwd/documents/pds/insurance/nab-credit-card-cover-pds.pdf

Product Disclosure Statement
and Policy Document 
Issuer   MLC Limited ABN   90 000 000 402   AFSL   230694 
Issue No. 9 
Preparation date: 7 June 2018 
Effective date: 7 June 2018 
NAB CREDIT
CARD   Cover

Important information 
MLC Limited ABN 90 000 000 402 AFSL 230694 ( MLC ) is the
insurer and issuer of NAB Credit Card Cover, which has been
branded by National Australia Bank Limited ABN 12 004 044
937, AFSL 230686 and Australian Credit Licence 230686 ( NAB ). 
NAB   is the distributor of NAB Credit Card Cover.
MLC Limited uses the   MLC   brand under licence. MLC Limited
is part of the Nippon Life Insurance Group and not a part
of the   NAB   Group of Companies.   MLC   is the issuer of this
PDS and takes full responsibility for the whole of the PDS.
Your contract is with   MLC .
The insurance policy is not a deposit with or liability of   NAB ,
or any of its related bodies corporate.
Neither   NAB , nor its related bodies corporate, guarantees or
accepts any liability for the product.
Any financial advice in this PDS is general only and has not
been prepared having regard to your particular objectives,
financial situation or needs. You should read this PDS and
consider your personal circumstances before acting on any
information or advice in this PDS.
This insurance is designed purely for protection and is not a
savings plan.
NAB Credit Card Cover is offered only in Australia.
NAB Credit Card Cover is consumer credit insurance and you
are not obliged to apply for or buy this type of insurance.
While this type of insurance is normally only available
through your credit card provider, you may consider
arranging credit card insurance through a different insurer.
The benefits available under NAB Credit Card Cover are
payable from MLC Limited’s Statutory Fund No. 1. 
Throughout this Product Disclosure Statement
and Policy Document:
References to:   Are to be read as: 
‘we’, ‘us’, ‘our’,
‘ MLC ’
MLC Limited as the insurer
and issuer of this insurance.
‘you’, ‘your’   The   primary cardholder   of the 
NAB credit card account . 
NAB   National Australia Bank Limited
PDS   Product Disclosure Statement
and Policy Document
Within this booklet, words that are bold (such as   pre-existing
condition ) have a special meaning and are explained in
section 8 Definitions. 
3 
CONTENTS 
1.   WHAT IS NAB CREDIT CARD COVER   4
2.   HOW IT WORKS   6 
2.1   Why this PDS is important   6 
2.2   Who is eligible to apply   6 
2.3   How to apply   7 
2.4   Who’s covered   7 
2.5   When does your policy commence   7 
2.6   Who is the insurer   7 
2.7   Which policy terms apply to your claim   7 
3.   WHAT’S COVERED   8 
3.1   Double benefit   12 
3.2   Examples of benefit payments   12 
3.3   What’s a qualifying period   14 
4.   IMPORTANT CONDITIONS ABOUT BENEFIT PAYMENTS   15 
4.1   General conditions   15 
4.2   Death claim conditions   15 
4.3   Critical illness claim conditions   15 
4.4   Disablement claim conditions   15 
4.5   Involuntary unemployment claim conditions   16 
4.6   When benefits are already being received   16 
4.7   Claim limits   17 
5.   WHAT’S NOT COVERED   18
6.   YOUR PREMIUM   20 
6.1   How monthly premiums are calculated and charged   20 
6.2   Providing cover even when you pay your credit card
account in full   20 
6.3   Will premiums change   20 
6.4   When we don’t charge a premium   21 
6.5   Change of NAB credit card type and/or
account number   21 
6.6   Commission and other benefits   21 
7. MORE INFORMATION YOU NEED TO KNOW   22 
7.1   Welcome pack   22 
7.2   Cooling off period   22 
7.3   Cancelling your policy   22 
7.4   When your insurance will end   22 
7.5   Making a claim   22 
7.6   Resolving complaints   23 
7.7   PDS and policy changes   24 
7.8   Tax   24 
8.   DEFINITIONS   25 
Privacy   33

4   5 
1.   WHAT IS
NAB CREDIT CARD COVER 
What happens if you can’t meet your credit card repayments
because the unexpected occurs, such as losing your job, becoming
disabled, critically ill or you die? Life doesn’t always go to plan. 
NAB Credit Card Cover is insurance designed to help you cover
your   NAB credit card account   repayments in situations when you
need assistance and security for you and your family. 
The table below is a summary of the benefits:
What’s
included?
What’s covered?   Amount paid per
insured event:
For more
information
about what’s
covered go to
page:
For
information
about what’s
not covered
go to page:
Claim for insured events that
occur to:
You   Any additional
cardholder 
life   Death   A lump sum payment to
cover the   outstanding
balance   to a maximum
of $50,000.
A double benefit may also
apply. This means when a
death benefit is paid, the
same amount will be paid to
your estate to a combined
maximum of $50,000.**
8   18   ✓   ✓ 
critical illness *   Conditions such as 
stroke – in the brain
and of specified
severity ,   paralysis ,
and   multiple sclerosis .
A lump sum payment of
150% of the   outstanding
balance   to a maximum of
$50,000.
8   18   ✓   ✓ 
disablement *   Your inability to work
for at least 30 days due
to injury or illness,
such as injury from a
car accident.
A   monthly benefit   for up
to 24 months to a maximum
of $50,000.
10   18   ✓   ✓ 
involuntary
unemployment * 
Involuntary
unemployment,
such as redundancy,
for at least 30 days.
A   monthly benefit   for up
to six months to a maximum
of $50,000.
10   18   ✓   ✓ 
*A 30 day qualifying period applies.
** This is subject to conditions set out in section 3.1 of this PDS. 
The insurance is available to you or any   additional   cardholder   on
the account.
NAB Credit Card Cover also offers hassle-free application with no
medical examinations.
NAB Credit Card Cover, including life, critical illness, involuntary
unemployment and disability is sold as a package. 
Getting to know your insurance 
To make this insurance cover more affordable, there are specific
exclusions,   qualifying periods   and defined terms that apply to this
cover. It’s important that you read the entire PDS carefully for full
details of what is covered and what is not covered. If you’d like a
free copy of the PDS and policy document, please call us on   13 22 95 .
If you have any questions about the contents of this PDS or this
product please contact   NAB   on   13 22 65 . You may also wish to
consult with your financial adviser or your medical adviser.

6   7 
2.3   How to apply 
The   primary cardholder   can apply:
•   online at - nab.com.au/insurance 
•   mailing   your completed and signed application form
provided with this PDS to - 
NAB Credit Card Cover
Reply Paid 9992
Melbourne VIC 8060, or
•   by accepting   the insurance when it’s offered to you.
Only one NAB Credit Card Cover   policy   can be taken out for
each   NAB credit card account . 
2.4   Who’s covered 
Whilst your   policy   is in force, you or any   additional cardholder 
are covered for an   insured event   provided that at the date the 
insured event   occurs the   cardholder   is:
•   a   cardholder   of the   NAB credit card account 
•   between the ages of 18 and 64 years (inclusive), and
•   an   Australian resident . 
2.5   When does your policy start 
The   policy start date   will be identified in your   policy schedule .
When we accept your application, you’ll be covered straight away
from that date although benefits may be subject to any applicable
qualifying period. 
2.6   Who is the insurer 
NAB Credit Card Cover is issued by the insurer,   MLC .
The   policy   is registered in the Australian State or Territory of your
residence. Any dispute or action connected with the   policy   will
be conducted and decided according to Australian Law. 
2.7   Which policy terms apply to your claim 
When you make a claim, the   policy   terms and conditions that
apply to your claim are those applicable on the date of that 
insured event . 
2.   HOW IT WORKS 
2.1   Why this PDS is important 
This PDS is also a policy document and explains NAB Credit
Card Cover.
It contains information to help you decide whether NAB Credit
Card Cover suits your needs and whether you wish to purchase it.
The insurance you select may not always be adequate for your
needs. It’s important that you assess whether the amount of
cover provided and the terms of a particular insurance product
are suitable for you.
It’s important that you read the whole PDS carefully as it
contains information about the features, benefits and
limitations of the insurance.
The following communications form the terms and conditions
of your insurance contract with us:
•   the PDS
•   your application
•   your   policy schedule 
•   any notice in writing from us after the   start date , and
•   any future documents that change this PDS.
Please treat your PDS and   policy schedule   like any other important
document and store them in a secure, accessible place. 
2.2   Who is eligible to apply 
You can apply for NAB Credit Card Cover if you:
•   are the   primary cardholder   of the   NAB credit card account 
(and your right to use the account has not been cancelled)
•   are between the ages of 18 and 64 years (inclusive)
•   are an   Australian resident , and
•   have received this PDS in Australia. 
MLC   guarantees acceptance of your application – there are no
health checks or questions asked.
You’re required to be truthful to us in making your application
for insurance.

3.   WHAT’S COVERED 
If an   insured   event   happens after the   cardholder’s start date   and
your   policy   is in force, a benefit is payable to your   NAB credit
card account   as follows subject to the terms and conditions of
this   policy . 
What’s
included?
What’s covered?   Main benefit payment conditions *   Qualifying period
(see section 3.3) 
life   Where a   cardholder   dies, we’ll pay the 
outstanding balance   to a maximum of $50,000.
The double benefit may also apply.
See section 3.1.
The benefit will be calculated as at the date of
the   cardholder’s   death.
Nil 
critical illness   Where a   cardholder   suffers one of the below
defined   critical illnesses , we’ll pay a lump sum
of 150% of the   outstanding balance   to a
maximum of $50,000: 
• benign brain tumour
•   cancer - excluding specified early stage
cancers
• chronic kidney failure (chronic renal failure)
• coronary artery bypass surgery
•   heart attack – with evidence of severe heart
muscle damage
• major organ transplant
• motor neurone disease
• multiple sclerosis
• paralysis, and
• stroke – in the brain and of specified severity 
The benefit will be calculated as at the
date of diagnosis or, where applicable,
the date of surgery, and paid after receipt
of confirmed diagnosis or confirmation that
surgery occurred.
The   cardholder   must meet the   policy   definition
of the   critical illness .
If after a period of six months, from the date
of the   critical illness , the   critical illness 
renders the   cardholder   disabled   a claim
can be made for   disability . A claim for the 
disablement benefit   can continue for up
to a further 18 months.
30 days 
*Please refer to sections 4 and 5 for conditions and section 8 for the definitions that apply. 
8   9

What’s
included?
What’s covered?   Main benefit payment conditions *   Qualifying period
(see section 3.3) 
disablement   Where a   cardholder   is continuously   disabled 
resulting from sickness or injury, we’ll pay up to
24   monthly benefits   for the   disablement   period
to a maximum of $50,000.
The   monthly benefit   is calculated as 25%
of your   outstanding balance   at the date
of   disability .
Provided the   cardholder   meets the   policy 
definition of   disabled , and is   disabled   for more
than 30 days:
•   the   monthly benefit   will be payable and
calculated from the start of the   cardholder’s 
disablement , and
•   the   monthly benefit   will be paid on a pro-
rata basis for any period of less than a month.
The   monthly benefit   will be paid monthly in
arrears until the first of the following occurs:
•   the   cardholder   is no longer   disabled 
•   24   monthly benefits   have been paid, or
•   $50,000 has been paid.
30 days 
involuntary
unemployment 
Where a   cardholder   is   involuntarily unemployed 
after being   gainfully employed , we’ll pay up
to six   monthly benefits   whilst the   cardholder 
is seeking new employment to a maximum
of $50,000.
The   monthly benefit   is calculated as 25% of
your   outstanding balance   at the date the 
cardholder   became   involuntarily unemployed .
The   cardholder   must meet the   policy   definition
of   involuntary unemployment .
If the   cardholder   is   involuntarily unemployed 
for more than 30 days:
•   the   monthly benefit   will be payable and
calculated from the start of the   cardholder’s
involuntary unemployment , and
•   the   monthly benefit   will be paid on a
pro-rata basis for any period of less than
a month.
The   monthly benefit   will be paid monthly in
arrears until the first of the following occurs:
•   the   cardholder   is no longer   involuntarily
unemployed 
• 6   monthly benefits   have been paid, or
• $50,000 has been paid.
30 days 
*Please refer to sections 4 and 5 for conditions and section 8 for the definitions that apply. 
10   11

Cover type   Example 
critical illness   Example 3 
Kim is diagnosed with breast cancer. At the
date of diagnosis the   outstanding balance 
owing on her   NAB credit card account   was
$6,200. The lump sum benefit we’ll pay to her 
NAB credit card account   would be:
$6,200 x 150% = $9,300.
If Kim is   disabled   because of her breast cancer
after six months from the date of her diagnosis,
the   monthly benefit   for   disability   would be:
$6,200 x 25% = $1,550 per month (payable for
up to 18 months while the   disability   continues).
In this example we’ll pay a total of $37,200
(which is the initial lump sum payment made
of $9,300 plus a further maximum benefit
of $27,900). 
disablement   Example 4 
Brian becomes   disabled   from a serious illness
on 7 March and the   outstanding balance   at
the date of his   disablement   was $7,000.
As long as Brian remains   disabled   beyond
30 days the   monthly benefit   will be calculated
from 7 March (the date he became   disabled )
and the   monthly   benefit   we’ll pay to his 
NAB credit card account   would be:
$7,000 x 25% = $1,750 per month.
In this example, we’ll pay Brian $1,750 per
month, while the   disability   continues for
up to 24 months (a maximum of $42,000). 
involuntary
unemployment
Example 5 
Jennifer was made redundant on 1 July and
the   outstanding balance   owing on her 
NAB credit card account   at the date of 
involuntary   unemployment   was $12,000.
As long as Jennifer remains   involuntarily 
unemployed   beyond 30 days the   monthly 
benefit   will be calculated from 1 July
(the date she was made redundant) and
the   monthly   benefit   we’ll pay to her 
NAB credit card account   would be:
$12,000 x 25% = $3,000 per month.
In this example, we’ll pay Jennifer $3,000 per
month while the   involuntary   unemployment 
continues, for up to 6 months (a maximum
of $18,000). 
12   13 
3.1   Double benefit 
When a death benefit is paid, the same amount will be paid to
your estate. The double benefit is subject to the following terms:
•   the maximum benefit of $50,000 as described in section 4.7.
The double benefit payment may be reduced to ensure that
the maximum benefit amount is not exceeded
•   a double benefit is not payable for death arising from suicide,
regardless of when that occurs, and
•   a double benefit will only be payable if the death was not
caused or contributed to by any illness or injury for which
the   critical illness   benefit has been paid. 
3.2 Examples of benefit payments 
The following examples show how benefits are calculated and
paid. These examples are illustrative only. Claims are assessed on
the   outstanding balance   of your   NAB credit card account   at the
date of the   insured event . Please refer to sections 4 and 5 for
conditions and section 8 for the definitions that apply. 
Cover type   Example 
life   Example 1 
Peter suddenly passes away from a heart
attack. The   outstanding balance   owing on his 
NAB credit card account   was $8,000 at the date
of his death. We’ll pay a lump sum of $8,000 to
his   NAB credit card account , plus a double
benefit payment of $8,000 to his estate. 
Example 2 
Sarah passes away from a serious accident.
The   outstanding balance   owing on her 
NAB credit card account   was $30,000 at the
date of her death. We’ll pay a lump sum of
$30,000 to her   NAB credit card account ,
plus a reduced double benefit payment of
$20,000 to her estate so that the maximum
total benefit of $50,000 is not exceeded.

4.   IMPORTANT CONDITIONS
ABOUT BENEFIT PAYMENTS 
You will need to understand the   policy   conditions applying
to a benefit payment to your   NAB credit card account . 
4.1   General conditions 
•   Benefit payments are based on the   outstanding balance   on
your   NAB credit card account   at the date of the   insured event 
occurring, and they are credited to that account.
•   Amounts charged to your   NAB credit card account   after the
date of the   insured event   giving rise to a claim, won‘t be
covered by that claim. 
4.2   Death claim conditions 
•   If the   primary   cardholder   dies no further benefits, other than
the death benefit and double benefit, are payable as your 
policy   has ended.
•   If a   critical   illness   benefit has been paid, a death benefit will
only be payable if the death was not caused or contributed to
by the same   critical   illness . 
4.3   Critical illness claim conditions 
•   An appropriate specialist and our medical adviser must agree
the condition suffered by the   cardholder   meets our definition
of   critical   illness . In some cases a condition must progress to
a certain point before it meets the definition.
•   One   critical   illness   benefit can be paid for each   cardholder ,
for the life of the   policy . 
4.4   Disablement claim conditions 
•   The definition of   disablement   that is applied at the time of
claim varies according to the   cardholder’s   employment status,
that is, whether the   cardholder   is   gainfully   employed ,
unemployed, or not   gainfully   employed . See definition of 
disablement   and   activities of daily living   for further details.
•   The   disablement   must be a result of injury or sickness,
certified by a   registered medical practitioner .
•   The   cardholder   will only be considered   disabled   if they’re
not working for earnings, payment or profit.
•   The first   disablement   benefit will be paid after the initial
30 continuous days of the   disablement . This will be calculated
from the first day of the   cardholder’s disablement .
•   If, within six months of a previous period of   disablement 
ending, a   cardholder   suffers a recurrence of the same or a
related sickness or injury, the original   disability   will be treated
as continuing and the same   monthly   benefits   will
recommence from the date the   disablement   recurs. 
3.3 What’s a qualifying period 
No benefit is payable for any   involuntary unemployment , 
disability   or   critical   illness   that occurs in the qualifying period.
This period starts on the   cardholder’s start date .
For example, the qualifying period for   critical   illness   is 30 days.
This means a   cardholder   is not covered if the   critical   illness 
(or, for surgical procedures, the underlying condition) first
appeared or was diagnosed within the first 30 days of the 
cardholder’s start date. 
14   15

•   If after six months, from the date of the   critical   illness , the 
cardholder   is   disabled   from the same   critical   illness , then
a   monthly   benefit   for   disablement   may be paid for up to
18 months. However, if   disability   benefits were being paid
for illness or injury for which a   critical   illness   benefit is
subsequently paid, the total number of months for which 
disability   benefits have already been paid will count
towards the 18 months of further   disability   benefits that
may be payable. 
The   monthly   benefit   is calculated as 25% of your   outstanding 
balance   at the date of diagnosis of the   critical   illness . Should
the   cardholder   die while in receipt of the   disablement 
benefit, we’ll pay out the remainder of the   disablement 
benefit as a lump sum. The claim for   critical   illness , then 
disability   and death will be treated as a claim for one   insured 
event , so that the maximum payable is $50,000. 
4.5   Involuntary unemployment claim conditions 
•   To be eligible for the   involuntary   unemployment   benefit,
the   cardholder   must be registered with Centrelink or another
Government approved job placement agency as a job seeker
or otherwise actively seeking work. The   cardholder   will be
required to provide evidence of their job seeking activities.
•   There’s no limit to the number of claims the   primary 
cardholder   can make but you must have returned to work and
be   gainfully   employed , after an earlier period of   involuntary 
unemployment , to make a further claim.
•   The first   involuntary   unemployment   benefit will be paid after
the initial 30 continuous days of   involuntary   unemployment .
This will be calculated from the first day of the   cardholder’s 
involuntary   unemployment . 
4.6   When benefits are already being received 
•   Only one benefit is payable to the credit card account at any
one time.
•   When a   disablement   or   involuntary   unemployment   benefit is
being paid for a   cardholder   and that   cardholder   subsequently
dies or suffers a   critical   illness , we’ll cease paying these
benefits at the date of the   cardholder’s   death or   critical 
illness . We’ll then pay a benefit for death or   critical   illness .
•   If an   additional   cardholder   dies when a   monthly   benefit 
is being paid for the   disablement   or   involuntary 
unemployment   of the   primary   cardholder , the   primary 
cardholder   can choose whether to continue the   monthly 
benefit   payments, or receive a lump sum payment for the 
additional   cardholder’s   death.
•   If the   primary   cardholder   dies when a   monthly   benefit   is
being paid for the   disablement   or   involuntary   unemployment 
of an   additional   cardholder , the   monthly   benefit   payments
will cease and a lump sum payment for the death of the 
primary   cardholder   will be paid. 
4.7   Claim limits 
•   This table details the maximum number of claimable   insured
events   per   cardholder   under the   policy . 
Cover type
For events that
occur to the
primary cardholder
For events that
occur to the
additional cardholder 
life   One*   One* 
critical illness   One*   One* 
disablement   Unlimited   One 
involuntary
unemployment 
Unlimited   Three 
* a maximum of two lump sums can be claimed per   cardholder   (that is one sum for 
critical   illness   and one for death), where the cause of death and   critical   illness   are
unrelated. 
•   Where the   outstanding   balance   is greater than $50,000 the
most we’ll pay per claim is $50,000 (inclusive of any double
benefit payments). 
16   17

18   19 
5.   WHAT’S NOT COVERED 
There are some instances where a claim will not be paid, as
detailed in the table below. The exclusion to each type of cover
has a ( x ) next to it in the applicable column. We have exclusions
to help keep this insurance more affordable for you.
We won’t pay any claim arising from, or contributed to by, any of
the following: 
Insurance cover
Exclusions   Life   Critical illness   Disablement   Involuntary
unemployment 
A   pre-existing condition , refer page 30   x   x   x 
A   critical   illness   that first appears, happens, or is diagnosed within
the first 30 days of the   cardholder’s   start   date   x 
A sickness contracted within the first 30 days of the   cardholder’s 
start   date   x 
Uncomplicated pregnancy or termination of pregnancy, or
uncomplicated childbirth 
x
involuntary unemployment – 
1.   where written or verbal notification of impending
unemployment occurs before, or within 30 days of the 
cardholder’s   start   date 
x 
2.   that occurs as a result of a   disability   where we’ve paid a claim   x 
3.   if the   cardholder   was working less than 15 hours per week
or was not employed for a continuous basis for six months
in one occupation 
x 
4.   if the   cardholder   is working on a fixed term contract, and
the period that the   cardholder   isn’t working arises from or is
due to the   cardholder’s   fixed term contract coming to an end 
x 
5.   where the   cardholder   has been engaged in seasonal work   x 
6.   if the   cardholder   is   employed by the cardholder’s   family ,
company or business immediately before they became 
involuntarily   unemployed
x 
7.   resulting from industrial action, voluntary cessation of
employment, including voluntary redundancy, voluntary
retirement or retirement including exercising an early
retirement option 
x 
8.   if the   cardholder   is   self-employed   or in a business partnership
and the   cardholder’s   business temporarily ceases trading, or   x 
9.   if the   cardholder   is in a business partnership and the 
cardholder’s   position as a partner automatically ceased under
the relevant partnership agreement or law. 
x 
Suicide within 12 months of the   cardholder’s start date   x 
Involvement in criminal activity   x   x   x   x 
Being under the influence of drugs or alcohol   x   x   x   x

rates of claims, increased business costs, improved   benefits   or
discounts offered. However, we’ll:
•   notify you before we change your   premium 
•   give you at least 30 days’ notice of any change, and
•   not single you out for a change to your   premium .
We reserve the right to recover from you the cost of duty, tax,
excise or any other charge of the Australian Government or any
state or territory government, as they may apply to the   policy ,
from time to time. You’ll be notified in advance if we charge such
costs back to you. 
6.4   When we don’t charge a premium 
You won’t be charged a   premium   when, on the   closing date   of
the   statement period , your   NAB credit card account   relevant 
balance :
•   is less than $10, or
•   is in credit. 
6.5   Change of NAB credit card type and/or account number 
If the type of   NAB credit card account   you have changes (eg you
upgrade to another   NAB   credit card   or move from a MasterCard
to a Visa) and/or your   NAB credit card account   number changes
(eg due to you reporting your credit card lost or stolen), your NAB
Credit Card Cover   policy   will move to the new   NAB credit card   or 
NAB credit card account , unless you advise us not to by:
•   calling   13 22 95 , or
•   writing to   us at   GPO Box 4397 
Melbourne VIC 3001 
6.6   Commission and other benefits 
A commission of twenty percent (20%) of your first year’s 
premium   (excluding government charges) is paid to   NAB .
The commission payable is included in the   premium   you pay
for the insurance. 
MLC   will pay a distribution allowance to a related body
corporate of   NAB , National Wealth Management Services
Limited in respect of the distribution of   MLC’s   insurance
products. This payment will depend in part on the value of 
MLC’s   insurance portfolio relating to insurance distributed
through   NAB   and its related bodies corporate and the
performance of   NAB   and its related bodies corporate against
agreed annual performance criteria. 
6.   YOUR PREMIUM 
6.1   How monthly premiums are calculated and charged 
The monthly   premium   costs 74 cents per $100 (or part thereof) of
the   relevant   balance   (up to a maximum   relevant   balance   of
$50,000) owing on your   NAB credit card accoun t on the   closing 
date   of each   statement   period . 
Premium examples: 
Relevant balance
owing on the closing
date of each
statement period
Monthly
premium
Calculated by 
Less than $10
(or in credit)
Nil   The   premium   charge is
calculated as nil
$1000   $7.40   $1,000 ÷ $100 x 74 cents
$3000   $22.20   $3,000 ÷ $100 x 74 cents
$5000   $37.00   $5,000 ÷ $100 x 74 cents
$50,000   $370.00   $50,000 ÷ $100 x 74 cents
Greater than $50,000   $370.00   Premiums   are calculated at
a maximum   relevant 
balance   of $50,000
There is no additional   policy   fee or GST payable on a NAB Credit
Card Cover   policy .
Your   premium   is automatically charged to your   NAB credit
card account   each month on the   closing   date   of your   statement 
period   (that is, about the time your credit card statement
is issued).
Details of the   premium   charged will be printed on your 
NAB credit card account   monthly statement and will usually
appear as the last transaction. 
6.2   Providing cover even when you pay your credit card
account in full 
If you pay your   NAB credit card account   in full by the due date
shown on your monthly credit card statement, a   premium   would
have still been charged on the   closing   date   for that   statement 
period . Paying this   premium   ensures you have cover in place
for any new credit charges incurred during that period. 
6.3   Will premiums change 
We may change (increase or decrease)   premium   rates at any time.
Whilst we work hard to keep your insurance affordable, there are
factors that may change your   premium   rates such as increased 
20   21

for us to assess your claim and this could potentially impact
your benefit.
You’ll need to pay for any supporting evidence, such as medical
reports unless we tell you not to.
Subject to the terms of your   NAB credit card account , you can
continue to use your   NAB   card whilst claiming on the NAB Credit
Card Cover   policy . Any amounts charged to your   NAB credit card
account   after the date of the   insured   event   giving rise to your
claim, won’t be covered by that claim and you’ll need to pay these
amounts. 
Premiums   need to be paid whilst you’re receiving a benefit that
doesn’t end your   policy . 
7.6   Resolving complaints 
In many cases, we can resolve your complaint. Please contact us
on   13 22 95   to discuss your concerns and we’ll work with you to
resolve the complaint quickly.
If you’re unhappy with the resolution of your complaint,
you can ask for your complaint to be reviewed by MLC Life
Insurance Resolve. This team will ensure a review of your
complaint and provide you with the outcome in writing.
This will include the reasons for our decision. You can request
a review of your complaint by:
•   calling   13 22 95 , or
•   writing to   The Complaint Manager
MLC Life Insurance Resolve
PO Box 1086
North Sydney NSW 2059
We’re allowed up to 45 days to respond to your complaint. If the
complaint will take longer to resolve, we’ll let you know and tell
you the reasons for any delay. We’ll also keep you updated on the
progress of your complaint.
If you’re unhappy with the final outcome of your complaint, you
have the right to lodge a dispute with an external dispute
resolution body. Contact them by:
•   writing to   Financial Ombudsman Service Australia
GPO Box 3
Melbourne VIC 3001
•   calling   1800 367 287   (free call) or international callers
+61 3 9613 7366 (charges apply)
•   faxing   03 9613 6399, or
•   emailing   info@fos.org.au
For more information go to   fos.org.au 
7.   MORE INFORMATION
YOU NEED TO KNOW 
7.1   Welcome pack 
You’ll receive a welcome pack containing everything you need
to know about your   policy   including your   policy   schedule .
Your PDS & policy document and current   policy   schedule   will
be your insurance contract with   MLC . Please keep these
documents safe for any future claims. 
7.2   Cooling off period 
If you cancel your   policy   within 30 days of the   start   date , we’ll
refund any   premiums   already paid to your   NAB credit card
account   unless you’ve made a claim. 
7.3   Cancelling your policy 
You can cancel your   policy   at any time by:
•   calling   13 22 95 , or
•   writing to   us at   GPO Box 4397
Melbourne VIC 3001
If you contact us to cancel your   policy , your   policy   will be
cancelled on the date you notify us and cover will cease
immediately before the start of the next   statement   period .
If a claim is made in this period, any uncharged   premium   will
be deducted from the benefit amount payable. 
7.4   When will your insurance end 
Your   policy   ends when:
•   the   primary cardholder   reaches the age of 65 years
•   the   NAB credit card account   is cancelled, closed or both, or
•   the   primary cardholder   dies.
Your   policy   will be cancelled by us and will end when:
•   your   premiums   are not paid for three consecutive months,
due to the charging of the   premium   to your   NAB credit card
account   being declined, and we give you at least 30 days’
written notice before this cancellation
•   we exercise our right to cancel the   policy   in line with
legislation (eg if you make a fraudulent claim), or
•   in line with clause 7.3, you ask us to cancel your   policy . 
7.5   Making a claim 
Call us on   1300 125 246 (1300 1 CLAIM) , Monday to Friday
between 8.30am and 5.30pm (AEST/AEDT) or email 
claims.administration@mlc.com.au   to find out what you need to do.
If you need to make a claim let us know as soon as possible so we
can start working on your claim. Any delay could make it difficult 
22   23

8.   DEFINITIONS 
Key terms explained 
To help you read this we have listed some key definitions for
terms that have been used throughout this PDS. 
‘activities of daily living’ 
means that the   cardholder   is considered to be   disabled   if, as a
result of injury or sickness, the   cardholder :
(a)   is continuously and totally unable to do any two or more of
the following groups of activities of daily living without the
physical help of someone else: 
•   bathing or showering 
•   dressing 
•   moving from place to place, into and out of bed, and into
and out of a chair 
•   eating and drinking, or 
•   using the toilet. 
or
(b)   has a severe cognitive impairment (with a score of 15 or less
out of 30 in a Mini Mental State Examination) which leads to a
need for continuous supervision to protect the   cardholder   or
other people. 
‘additional card’ 
means a   NAB   credit card issued to an   additional cardholder . 
‘additional cardholder’ 
means any person nominated by the   primary   cardholder   to be an
additional cardholder on the   primary cardholder’s NAB credit card
account , and who has been issued an additional card by   NAB . 
‘Australian resident’ 
means a person who resides in Australia, and is either an
Australian or New Zealand citizen or the holder of a permanent
resident’s visa. 
‘benign brain tumour’ 
means the presence of a non-cancerous tumour of the brain or
spinal cord which is histologically confirmed and results in:
•   at least 25% permanent impairment of the Whole Person
Function, or
•   the undergoing of neurological intervention for its removal.
The following are excluded:
•   intracranial cysts, granulomas and hematomas
•   intracranial malformation in or of the arteries and veins, and
•   tumours of the pituitary gland. 
7.7   PDS and policy changes 
The information in this PDS may change from time to time. We’ll
write to let you know about any changes we make that are
materially adverse. Information about any other changes will
available online at   nab.com.au/insurance . You can also call us on 
13 22 95   and we’ll send you a free paper copy of the information.
We’ll also let you know if we change the terms and conditions to
improve the benefits under your   policy . 
7.8   Tax 
If you’re the   policy   owner of this type of insurance, generally the 
premium   is not tax deductible and benefits paid under the   policy 
are not assessable.
The information is of a general nature only, and we recommend
that you seek professional advice regarding your own taxation
position. In addition, you may obtain information from the
Australian Taxation Office at   ato.gov.au . 
24   25

‘closing date’ 
means the date shown on a statement of account as the last day
of the   statement period   for that statement of account. 
‘coronary artery bypass surgery’ 
means the surgical grafting of a bypass to a coronary artery
to overcome narrowing or obstruction. It does not include
coronary artery angioplasty, intra-arterial procedures or other
non-surgical procedures. 
‘critical illness’ 
means the confirmed diagnosis, by a   registered   medical 
practitioner   and by our medical adviser, (or for surgical
conditions after confirmation the surgery has happened),
of one or more of the defined critical illnesses, being   benign
brain tumour ,   cancer - excluding specified early stage cancers , 
chronic kidney failure (chronic renal failure) ,   coronary artery
bypass surgery ,   heart attack – with evidence of severe heart
muscle damage ,   major organ transplant surgery ,   motor
neurone disease ,   multiple sclerosis ,   paralysis ,   and   stroke
– in the brain and of specified severity .
(‘ critically   ill ’ has a corresponding meaning) 
‘disablement’ 
the definition of disablement varies according to the   cardholder’s 
employment status:
(a)   if the   cardholder   is   gainfully   employed   immediately before
the date of the   cardholder’s   disablement, then the   cardholder 
will be considered to be disabled if, as a result of injury or
sickness, the   cardholder   is continuously and totally unable to
carry out all the normal duties of the   cardholder’s   usual
occupation, or
(b)   if the   cardholder   is unemployed or not   gainfully   employed 
immediately before the date of the   cardholder’s   disablement,
then the   cardholder   will be assessed under the   activities of
daily living   definition.
( disability   and   disabled   have corresponding meanings) 
‘cancer - excluding specified early stage cancers’ 
The presence of one or more malignant tumours, leukaemia
or lymphomas. The following are excluded:
•   Chronic lymphocytic leukaemia in its early stages
(less than RAI stage 1).
•   Prostate cancer which is histologically described as TNM
classification T1(a) or (b) or another equivalent or lesser
classification with a Gleason score of 5 or less unless: 
–   the person insured is required to undertake major
interventionist therapy including radiotherapy,
brachytherapy, chemotherapy, biological response
modifiers or any other major treatment, or 
–   the tumour is completely untreatable.
•   Carcinoma in situ, cervical dysplasia CIN1, CIN2, and CIN3,
or premalignant tumours.
•   Carcinoma in situ of the breast, except where it leads to
the removal of the breast by a mastectomy or removal of
the carcinoma in situ by breast conserving surgery
(lumpectomy, complete local excision, wide local excision,
partial mastectomy), together with radiotherapy or
chemotherapy. The procedure must be performed as a
direct result of the carcinoma in situ and specifically to
arrest the spread of malignancy, and be considered the
necessary and appropriate treatment.
•   Skin cancer other than melanoma that: 
–   shows signs of ulceration as determined by histological
examination, or 
–   is greater than 1.0 mm thick, or 
–   is at least Clark Level 3 of invasion.
•   Hyperkeratosis or basal cell skin carcinoma.
•   Squamous cell skin carcinoma unless it has spread to
other organs.
•   All non-melanoma skin cancers unless having spread to
the bone, lymph node, or an other distant organ. 
‘cardholder’ 
means the   primary cardholder   or an   additional cardholder . 
‘chronic kidney failure (chronic renal failure)’ 
means the final stage of kidney disease that requires permanent
dialysis or a transplant. 
26   27

‘insured event’ 
means the events covered under this   policy , as listed on
pages 8 to 19 of this PDS. 
‘involuntary unemployment’ 
means a period during which the   cardholder   is not working,
and is actively seeking employment, and is registered with
Centrelink or other Government approved job placement agency
as a job seeker or otherwise actively seeking work, commencing
on the date of registration and continuing during such period
as the   cardholder   is not working for earnings, payment or profit.
The unemployment must be a result of one of the
following events:
•   the termination of the   cardholder’s gainful employment   by
the   cardholder’s   employer
•   being made redundant from the   cardholder’s gainful
employment   by the   cardholder’s   employer
•   if the   cardholder   is   self-employed   or a partner in a business
partnership, the business ceasing trading permanently due to
actual or imminent insolvency or business factors beyond the 
cardholder’s   reasonable control and the business being
wound up or placed in the control of an insolvency
administrator, or
•   if the   cardholder   is a partner in a business partnership, the 
cardholder’s   status as a partner being discontinued without
the   cardholder’s   actual or implied consent, agreement or
approval (for example, against the   cardholder’s   consent the 
cardholder   is forced out of the partnership) and the 
cardholder   ceasing to work with that business.
( involuntarily   unemployed   has a corresponding meaning) 
‘major organ transplant’ 
means the transplant of any of the following whole organs from
a human donor to the   cardholder :
•   kidney
•   lung
•   liver
•   pancreas
•   heart, or
•   the transplantation of bone marrow. 
‘MLC’ 
means MLC Limited ABN   90 000 000 402   AFSL   230694 . 
‘employed by the cardholder’s family’ 
means employed by an employer which is not a listed public
company or a related body corporate of a listed public company,
and in which an   immediate family member   of the   cardholder   is
or was either:
•   a director, majority shareholder or partner of the employer, or
•   in control of the employer, immediately or within 30 days
before the   cardholder   became   involuntarily unemployed . 
‘gainfully employed’ 
means the   cardholder   is working and employed in the one
occupation for at least 15 hours per week and has been so
employed on a continuous basis for six months or more.
( ‘gainful employment’   has a corresponding meaning) 
‘heart attack - with evidence of severe heart muscle damage’ 
Heart Attack (Myocardial Infarction) means the death of part of
the heart muscle because of inadequate blood supply, confirmed
by a Cardiologist and evidenced by:
•   typical rise and/or fall of cardiac biomarkers with at least one
value above the 99th percentile of the upper reference range
together with any one of the following: 
–   new serial ECG changes showing the development of any
one of the following: 
o   ST elevation 
o   left bundle branch block (LBBB), or 
o   pathological Q waves, or 
–   imaging evidence of new and irreversible: 
o   loss of viable myocardium, or 
o   regional wall motion abnormality, or 
–   left ventricular ejection fraction less than 50%, at least
three months after the event.
Elevated biomarkers that arise from causes other than heart
attack are excluded, including those as a result of elective
percutaneous procedures and other acute coronary syndromes.
If the above tests are inconclusive or superseded by technological
advances, we’ll consider other appropriate and medically
recognised tests. 
‘immediate family member’ 
means a   cardholder’s   spouse, de facto spouse, parent, child,
sibling or grandparent. 
28   29

‘monthly benefit’ 
means 25% of the   outstanding   balance   at the date of 
disablement   or   involuntary   unemployment . 
‘motor neurone disease’ 
means the progressive weakening and wasting of the muscles of
the body. The unequivocal diagnosis of motor neurone disease
must be certain and supported by neurological investigations. 
‘multiple sclerosis’ 
means the progressive destruction of the insulating layer of
myelin in the brain and spinal cord. The unequivocal diagnosis
of multiple sclerosis must be by a consultant neurologist.
There must be more than one episode of defined neurological
deficit with persistent abnormalities. Neurological investigation
such as lumbar puncture, MRI (Magnetic Response Imaging),
evidence of lesions in the central nervous systems and evoked
visual responses are required to confirm diagnosis.
‘ NAB ’
means the National Australia Bank Limited ABN   12 004 044 937 
AFSL and Australian Credit Licence   230686 . 
‘NAB credit card account’ 
means the   NAB   personal credit card account or any replacement/
substituted NAB credit card account to which your   policy   applies. 
‘outstanding balance’ 
means the unpaid balance owing to   NAB   under the terms of the
agreement for your   NAB credit card account . 
‘paralysis’ 
means the total and permanent loss of the function of two or
more limbs caused by damage to the nervous system. 
‘policy’ 
means the contract of insurance between you and us. 
‘policy schedule’ 
means the policy schedule issued for your   policy . 
‘pre-existing condition’ 
means injury, illness, condition or symptom that the   cardholder :
(a)   was aware of, or a reasonable person in the   cardholder’s 
position should have been aware of, and
(b)   would have, or should have, sought advice or treatment from
a   registered medical practitioner   or other health professional
for (in circumstances where a reasonable person in the 
cardholder’s   position would have sought advice or treatment)
in the 12 months prior to the   cardholder’s start date. 
For example, if the   cardholder   had a shoulder injury within the
12 months prior to the   cardholder’s   start date , the   cardholder 
will not be covered under the   policy   for that shoulder injury or
any death, illness or injury related to that shoulder injury.
If the   cardholder   was diagnosed with a melanoma three years
prior to their   start   date , then the   cardholder   will not be covered
under the   policy   for the melanoma or any death, illness or injury
related to that condition if the   cardholder   sought advice or
treatment for the melanoma within the 12 months prior to the 
cardholder’s start date.   If during the 12 months prior to the   start 
date , the   cardholder   was undertaking routine skin examinations
to ensure the melanoma had not re-appeared and as long as
those skin examinations showed no presence of the melanoma
then this will not be deemed as seeking advice or treatment and
the pre-existing condition exclusion will not apply. 
‘premium’ 
means the necessary payment by you to maintain cover under
your   policy . 
‘primary cardholder’ 
means the   cardholder   of the   NAB credit card account   who has
entered into the credit contract for that account with   NAB . 
‘registered medical practitioner’ 
means a registered and qualified medical practitioner and
includes a specialist medical practitioner who is recognised and
qualified to provide a diagnosis as a specialist, and who is not the 
cardholder   or spouse of, or related to, the   cardholder . 
‘relevant balance’ 
means the amount shown on your   NAB credit card account 
statement as the ‘Closing Balance’ for the   statement   period ,
adjusted so it does not take into account of any debit or credit
transactions appearing after the   premium   charge, and less the
amount of any   premium   charged in that   statement   period . 
‘self-employed’ 
means where the   cardholder   is employed by an employer which
is not a listed public company or a related body corporate of a
listed public company, and the   cardholder   is or was either:
•   a director, majority shareholder or partner of the employer, or
•   in control of the employer, immediately or within 30 days
before the   cardholder   became   involuntarily   unemployed . 
30   31

PRIVACY 
We collect your personal information from you directly wherever
we can, but in some cases we may collect it from third parties
such as your adviser, your employer, medical professionals or
medical facilities. We do this to determine your eligibility for,
and to administer your insurance. If personal information is
not provided, we may not be able to provide you with the
insurance cover available through this product or administer it
appropriately. Government regulations require some information
to be collected including company and tax laws.
We may disclose your personal information to third parties
including our parent company Nippon Life Insurance Company,
those involved in managing or administering any aspect of
your product, and to National Australia Bank Limited and its
related bodies corporate who either distribute or are involved
in the administration and maintenance of our life insurance
products. For more information refer to 
mlcinsurance.com.au/privacy-notification 
We may also need to disclose your information with organisations
outside Australia. We may use your personal information to
contact you about products and for marketing activities. You can
let us know, at any time, if you no longer wish to receive these
direct marketing offers by contacting us.
More information about how we collect, use, disclose and handle
your personal information, how you can access, correct your
personal information and how you can make a complaint about
a privacy issue is in our Privacy Policy which is available at 
mlcinsurance.com.au/privacy-policy   or by contacting us on 
13 22 95   (Hearing impaired customers can call TTY 13 36 77). 
‘start date’ 
means for:
•   the   primary   cardholder , the date your   policy   will commence,
as noted on your   policy schedule   or as notified to you by   MLC 
in writing.
•   an   additional   cardholder , the following: 
(i)   if the   primary   cardholder’s   start date was before 10 June
2011 and the   additional cardholder   was an   additional 
cardholder   on 10 June 2011 – the date is 10 June 2011 
(ii)   if the   primary   cardholder’s   start date is on or after 10 June
2011 and the   additional   cardholder   was an   additional 
cardholder   on the   primary   cardholder’s   start date – the
date is the same as the   primary   cardholder’s   start date, or 
(iii)   if the   additional   cardholder   became an   additional 
cardholder   on or after 10 June 2011 – the date is the later
of the   primary   cardholder’s   start date or the date the 
additional   cardholder   became an   additional   cardholder . 
‘statement period’ 
means the period specified as such on your   NAB credit card
account   statement. 
‘stroke – in the brain and of specified severity’ 
An incident in the blood vessels of the brain or bleeding
in the brain leading to neurological effects that last for at
least 24 hours.
There must be clear evidence on a CT, MRI or similar scan that a
stroke has occurred. Transient ischaemic attacks, symptoms due to
migraine, vascular disease of the optic nerve, physical head injury,
reversible neurological deficit or any blood vessel incident outside
the cranium, except embolism resulting in stroke, are excluded. 
32   33

34   35 
This page is left intentionally blank   This page is left intentionally blank

For more information about
NAB Credit Card Cover call 
13 22 95 
8am – 6pm (AEST/AEDT)
Monday to Friday 
or
visit   nab.com.au
MLC Limited postal address: 
PO Box 200
North Sydney NSW 2059 
Hearing impaired people with
telephone typewriters can
contact us on   1300 363 647 
©   2018   National Australia Bank Limited ABN   12 004 044 937 
AFSL and Australian Credit Licence   230686
MLCL200361-0418

---

# Source: https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/nab-rewards-terms-and-conditions.pdf

NAB Rewards 
Terms and Conditions 
Effective 01 October 2026

2 
Contents 
1.   What’s the purpose of this document?   3 
2.   Our promise to you   3 
3.   Points and how you can earn them   4 
4.   How do you earn Bonus Points?   5 
5.   What Points are included in your Points Balance?   5 
6.   What transactions don’t earn Points?   5 
7.   What reduces your Points Balance?   6 
8.   How do you keep track of your Points?   8 
9.   What are Rewards?   8 
10.   How do you claim your Rewards?   10 
11.   What types of Rewards are there?   11 
12.   How long do you have to use your Points 
before they expire?   14 
13.   How to transfer your Points to someone else   15 
14.   Who is responsible for the Reward?   16 
15.   How do you get a dispute resolved?   17 
16.   How we communicate with each other   17 
17.   Tax Matters   18 
18.   Personal Information   18 
19.   Termination of NAB Rewards   19 
20.   Changes to these terms and conditions   20 
21.   What some words mean   22

3 
1.   What’s the purpose of this document? 
(a)   These terms and conditions explain how you 
can earn Points using your Rewards Card 
Account and how you can claim Rewards. 
(b)   Please make sure you read these terms and 
conditions before the Rewards Card Account is 
used. If you have any questions just Call Us. 
(c)   Some words described in clause   21   have a 
particular meaning in these terms and 
conditions. Those words are capitalised 
throughout these terms and conditions. 
(d)   You are taken to have agreed to these terms and 
conditions when you or a Cardholder first use a 
Card or a Rewards Card Account. 
(e)   The NAB Credit Card Terms and Conditions may 
also contain provisions about what happens if 
a rewards program like NAB Rewards is 
terminated. 
2.   Our promise to you 
We will act reasonably and fairly towards you, taking 
into account your and our respective interests. 
That includes whenever we are: 
(a)   considering any request you make; 
(b)   deciding whether to give our consent or to 
exercise a right, discretion or remedy; 
(c)   setting any conditions for doing any of those 
things; or 
(d)   making changes under clauses 9(b) or 20, or 
anywhere else in these NAB Rewards Terms and 
Conditions. 
Examples of how we will take reasonable steps to 
ensure you are treated fairly include giving you 
reasonable notice of changes and making 
adjustments to your Points Balance. 
It’s worth noting that even if we don’t make a 
decision or do something straight away, we may still 
do so later on. This includes where we delay or defer 
doing so, or we temporarily waive a requirement.

4 
3.   Points and how you can earn them 
3.1   What are Points? 
(a)   Points and Bonus Points aren’t property and 
don’t have any monetary value except to the 
extent specifically provided for by a Reward. 
They can’t be redeemed for cash, except to the 
extent set out in these NAB Rewards Terms and 
Conditions. They can only be redeemed for 
Rewards under these terms and conditions 
– see clauses 10 and 11. 
(b)   Points are awarded for each eligible transaction 
debited to your Rewards Card Account (clause 6 
describes transactions that don’t earn Points). 
You may also be awarded Bonus Points under 
clause 4. 
3.2   How you earn Points 
(a)   You earn Points once these terms and 
conditions apply and as long as your Rewards 
Card Account is Open and Active – see clause 1. 
(b)   Points are earned for each whole $1.00 of the 
value of each eligible transaction (including 
GST), rounded down to the nearest dollar, 
shown on your Monthly Card Statement. The 
number of Points allocated per $1.00 depends 
on the type of Card you have. We will provide 
you this information in writing when we provide 
these terms and conditions and this information 
is also available on nab.com.au. This includes 
the FAQs available on the NAB Rewards Store. 
You can check the FAQs for current information 
at any time. See clause 20 for how we will let you 
know about any changes to the number of 
Points allocated. 
3.3   Can Cardholders earn Points? 
Cardholders other than you do not earn Points in 
their own right but may accumulate Points to your 
Points Balance. 
3.4   Can I sell or transfer Points? 
You cannot sell Points, but if you have a Business 
Rewards Card Account you can transfer Points under 
clause 13.

5 
4.   How do you earn Bonus Points? 
Special promotions offered from time to time by us 
or a Bonus Points Provider may allow you to earn 
Bonus Points. The conditions applying to Bonus 
Points will be provided at the time of the promotion. 
5.   What Points are included in your Points 
Balance? 
Your Points Balance includes: 
(a)   Points awarded for eligible transactions 
debited to your Rewards Card Account 
(for example, when you or a Cardholder 
purchase goods that are eligible 
transactions using a Card and charged to 
your Rewards Card Account); and 
(b)   Bonus Points awarded in accordance with 
special promotions. 
6.   What transactions don’t earn Points? 
There are some transactions which can be made 
using your Card which won’t earn Points because 
they aren’t eligible. They are: 
(a)   cash advances (which include bills paid over the 
counter at a bank, financial institution or post 
office, and the purchase of travellers cheques); 
(b)   bank fees, charges and interest (including any 
GST payable on any of these) applicable to your 
Rewards Card Account or use of the Card or to 
NAB Rewards; 
(c)   for a Personal Rewards Card Account, 
government related payments (includes 
transactions with Australian and overseas 
government entities, semi-government entities, 
or related agencies – for example, but not 
limited to, Australia Post, council rates, motor 
registries, fines, and court costs). Classification 
as a government-related transaction is based on 
merchant or financial institution data, so some 
businesses may be treated as government- 
related even if they are not; 
(d)   for a Personal Rewards Card Account, 
transactions where the Card is used to make 
payments to the Australian Taxation Office (ATO);

6 
(e)   balance transfers, except where Bonus Points 
may be earned under a special promotion 
specifically for balance transfers; 
(f)   where a Card is used to access linked 
transaction accounts; 
(g)   purchase of foreign exchange or travellers 
cheques and money orders; 
(h)   for a Personal Rewards Card Account, 
transactions we decide (acting reasonably) are 
wholly or partly for business purposes; 
(i)   any transactions where your NAB Card Account 
is, or is reasonably believed by us to be, 
operated fraudulently, except where you 
reasonably demonstrate that your NAB Card 
Account was not operated fraudulently; 
(j)   unauthorised purchases for which you are not 
liable; 
(k)   transactions where the Card is used to make 
purchases through B PAY®; 
(l)   transactions for gambling and gaming purposes 
(examples include purchase of lottery tickets, 
purchase of gaming chips or tokens and online 
gambling); or 
(m)   transactions described in clause 7.3. 
7.   What reduces your Points Balance? 
7.1   Things you do 
Your Points Balance is reduced when: 
(a)   you (or someone authorised by you under 
clause 10.1) use your Points to claim a Reward. 
The oldest Points in your Points Balance will be 
deducted first when a Reward is claimed. 
See clause 11 for Rewards; or 
(b)   your Points expire – see clause 12. 
7.2   Things we will do 
We will reduce your Points Balance where: 
(a)   there is a refund or reimbursement for a 
transaction previously charged to your Rewards 
Card Account and a credit is processed to the 
same Rewards Card Account. This may happen 
for a number of reasons but usually for returned 
goods or services;

7 
(b)   there is a charge back to your Rewards Card 
Account under your Reward Card Account Terms 
and Conditions (for example, when you dispute 
a transaction charged to your Rewards Card 
Account that results in a credit to your Rewards 
Card Account); 
(c)   there have been unauthorised transactions on 
your Rewards Card Account for which you are 
not liable; 
(d)   Points were incorrectly allocated to your Points 
Balance; or 
(e)   we reasonably believe you or a Cardholder have 
behaved fraudulently in connection with NAB 
Rewards and you are not entitled to Points 
earned. 
When this happens the Points Balance will be 
reduced by the Points value of the credit amount or 
adjustment. The Points value will be calculated 
using the rate at which Points are allocated for 
transactions to your Rewards Card Account at the 
time the credit amount or adjustment was 
processed by us. However, if there is a change in the 
rate at which Points are earned, we will take 
reasonable steps to ensure you are no worse off 
when we calculate the Points value for the credit 
amount or adjustment. 
7.3   Things we may do 
We may reduce your Points Balance or not award 
Points to the extent an otherwise eligible 
transaction: 
(a)   results in the credit limit on the Rewards Card 
Account being exceeded; or 
(b)   is debited against credit funds in the Rewards 
Card Account. 
The Points value for the adjustment will be 
calculated using the rate at which Points are 
allocated for transactions to your Rewards Card 
Account at the time the credit amount or adjustment 
was processed by us. However, if there is a change in 
the rate at which Points are earned, we will take 
reasonable steps to ensure you are no worse off 
when we calculate the Points value for the credit 
amount or adjustment.

8 
8.   How do you keep track of your Points? 
You can track your Points through a range of 
options by: 
(a)   accessing the NAB Rewards Store to see: 
(i)   your Points Balance; and 
(ii)   any Points which are due to expire in the 
next 3 months; or 
(b)   looking at your monthly Rewards Statement. 
This shows any activity on your Points Balance in 
the period covered by the Rewards Statement 
and if you have any Points due to expire in the 
following month. This statement will be sent 
monthly to your email address last provided to 
us. You can Call Us to change your email address. 
Your Points Balance will reflect the Points earned on 
eligible transactions. It may take up to 10 Business 
Days for Points earned on eligible transactions to 
appear on the NAB Rewards Store. The processing of 
Bonus Points will appear according to the terms and 
conditions of the applicable promotion. 
9.   What are Rewards? 
(a)   The Rewards available for redemption and the 
number of Points required to redeem a Reward 
at any time are set out on the NAB Rewards Store. 
You can view these at any time. Different Rewards 
may be available for different Card types. 
(b)   You can only claim Rewards which are currently 
available on the NAB Rewards Store. Rewards 
are subject to availability, substitution or 
cancellation. At any time and without prior 
notice we may change the Rewards available by 
withdrawing, limiting, modifying or cancelling 
the continued availability of a Reward or the 
number of Points required to obtain a particular 
Reward. However, where possible, we will 
provide you with reasonable notice and a 
genuine opportunity to redeem Points before 
any changes take effect which may materially 
lower the value of Rewards you can redeem 
with your Points. Alternatively, we may make 
adjustments to your Points balance.

9 
(c)   In addition to these terms and conditions, 
Rewards may be subject to some special terms. 
They are set o ut in clause 11 below and may also 
appear on the NAB Rewards Store or in other 
promotional material. These special terms may 
be imposed by us or the Rewards Provider. 
(d)   Clause 14 explains how our responsibility in 
connection with these Rewards Providers 
is limited. 
(e)   You may request to return or exchange a 
Reward, which will be subject to the supplier’s 
approval for a return or exchange. The supplier 
does not have to accept a return or exchange 
for change of mind. 
We will provide reasonable assistance by liaising 
with You and the supplier to arrange any returns 
or exchange of Rewards. 
After you place your request for a Reward, 
you can’t: 
(i)   return the Reward and receive a Points credit 
to your Points Balance, unless the return is 
accepted for the reasons set out as above; 
(ii)   exchange the Reward or receive any 
consideration, including for cash; or 
(iii)   replace the Reward for the same or another 
Reward if the Reward is lost or stolen or 
otherwise destroyed after it is delivered to 
you. This applies to all Rewards, including 
e-vouchers and gift cards. 
(f)   Physical Rewards: 
(i)   will only be delivered to an address in 
Australia; and 
(ii)   will not be delivered to a PO Box address. 
(g)   Except to the extent of our fraud, negligence or 
misconduct if someone other than you claims 
a Reward under clause 10.1, these terms and 
conditions apply as if you had claimed 
the Reward.

10 
10.   How do you claim your Rewards? 
10.1   Who can claim a Reward? 
Your Points Balance can be used to claim a 
Reward by: 
(a)   you when you Call Us to claim the Reward; 
(b)   you and any person able to access the NAB 
Rewards Store and who is authorised to operate 
your Rewards Card Account via NAB Internet 
Banking or NAB Connect using an additional NAB 
ID issued to you under the terms of that service. 
10.2   When can you claim a Reward? 
To claim a Reward: 
(a)   you need to have sufficient Points in your Points 
Balance for the Reward. It’s important to know 
that you can’t pool any Points in your Points 
Balance with Points in another person’s Points 
Balance; 
(b)   you can use the option of Points Plus Pay for 
selected Rewards – see clause 10.5; 
(c)   your Rewards Card Account must not be 
blocked to activity. Examples of when this can 
occur include when your Rewards Card Account 
is in arrears, suspended, closed or in default 
under your Rewards Card Account Terms and 
Conditions. 
10.3   How can you claim your Rewards? 
You can Call Us or access the NAB Rewards Store 
to claim Rewards. 
10.4   Automatic Points redemption 
We may periodically invite you to establish an 
arrangement to automatically redeem NAB Rewards 
Points for specific Rewards. The terms and 
conditions applying to each arrangement we invite 
you to participate in will be made available before 
you enter into any arrangement of this type. 
10.5   What if I don’t have enough Points? 
Rewards available using Points Plus Pay are 
described on the NAB Rewards Store and other 
promotional material.

11 
When a Reward is available using Points Plus Pay: 
(a)   you may use your Points to redeem for a portion 
of the Reward and obtain the remainder of the 
Reward by using any form of payment 
acceptable to the Points Plus Pay provider; 
(b)   you may not use gift cards or e-vouchers to pay 
for the monetary component of the Reward; and 
(c)   if you use your Card for the monetary 
component of the Reward, you will earn Points 
under clause 3. 
11.   What types of Rewards are there? 
Clause 9 “What are Rewards?” and this clause apply 
to the category of Rewards below. Other special 
terms may apply and will be provided on the NAB 
Rewards Store. 
11.1   Loyalty program rewards 
You may redeem your Points and transfer them for 
points with other loyalty programs that are listed on 
the NAB Rewards Store at the time you wish to make 
the transfer. To do so you must: 
(a)   be a member of the applicable loyalty program. 
Membership of NAB Rewards does not entitle 
you to membership of any other loyalty 
program. Your membership of the loyalty 
program is subject to the terms and conditions 
of that program; 
(b)   have earned any required minimum number 
of Points; 
(c)   redeem Points in accordance with any required 
multiple of Points (e.g. multiples of 1,000); and 
(d)   only redeem whole Points for the Points of the 
applicable loyalty program. 
The number of Points required to redeem for the 
points with other loyalty programs may vary 
between Card types and loyalty programs. This 
redemption rate, which is set by us, is described on 
the NAB Rewards Store and may be changed by us 
from time to time in accordance with these terms 
and conditions or the terms and conditions of the 
relevant Card.

12 
For information about the loyalty programs, 
minimum Points requirements and current 
redemption rates, visit the NAB Rewards Store. 
When you ask to redeem Points for points with 
another loyalty program, the Reward will normally 
be available to you in your loyalty program account 
within 14 Business Days of your request. However, 
we are not responsible if there is any delay, except 
to the extent the delay is caused by our fraud, 
negligence or misconduct. 
Once Points have been redeemed for points with 
the other loyalty program they: 
(i)   cannot be converted back to Points or 
otherwise used for Rewards under NAB 
Rewards; and 
(ii)   are subject to the terms and conditions of 
the applicable loyalty program (which may 
be varied in accordance with those terms 
and conditions). We are not responsible if 
you are unable to use the Points with the 
other loyalty program as you had expected. 
11.2 Physical   gift   cards   and   e-vouchers 
You may redeem Points for gift cards and e-vouchers. 
You’ll be notified of any terms and conditions that 
apply to use of your gift card or e-voucher, including 
any expiry date. 
These Rewards: 
(a)   cannot be redeemed or exchanged for cash or 
travellers cheques; or 
(b)   used to earn Points under NAB Rewards. 
Please allow 1 hour for delivery of e-vouchers and 10 
Business Days for delivery of your physical gift cards. 
11.3   Cashback to your Rewards Card Account 
You may redeem Points and receive a credit to your 
Rewards Card Account used to earn the Points. 
Additional conditions about how you can redeem 
Points for this purpose is available on the NAB 
Rewards Store, including: 
(a)   the minimum number of Points or multiples of 
Points required; and

13 
(b)   the redemption rate. 
The credit to your Rewards Card Account will be 
made within 10 Business Days of your Points 
redemption request. As soon as this happens the 
credit is available for your use provided your 
Rewards Card Account is in sufficient credit. 
You must still pay the minimum payment on your 
Monthly Card Statement as required by your Reward 
Card Account Terms and Conditions. 
Any credit to your Rewards Card Account is non- 
refundable. 
11.4   Cashback to your transaction account 
You may redeem Points and receive a credit to a 
nominated NAB account. 
Additional conditions about how you can redeem 
Points for this purpose is available on the NAB 
Rewards Store, including: 
(a)   the list of NAB accounts you can nominate; 
(b)   the minimum number of Points or multiples of 
Points required; and 
(c)   the redemption rate. 
We will credit your nominated NAB account within 
10 Business Days of your Points redemption request. 
As soon as the credit occurs it is available for your 
use. Any credit to your nominated NAB account is 
non-refundable. We accept no responsibility if you 
have incorrectly entered BSB or account numbers. 
11.5   Travel Rewards 
You may redeem Points for travel Rewards. You will 
be provided more information about this Reward 
category on the NAB Rewards Store, including: 
(a)   the list of travel Rewards Providers and available 
travel Rewards; and 
(b)   the minimum number of Points required. 
The travel Rewards Provider’s standard terms and 
conditions apply to any travel Reward. We are not 
responsible for any failure of the travel Rewards 
Provider to provide travel except to the extent the 
failure is caused by our fraud, negligence or 
misconduct.

14 
12.   How long do you have to use your Points 
before they expire? 
(a)   Points in your Points Balance must be used to 
claim a Reward within 36 months from the date 
the transaction earning those Points was 
processed to your Rewards Card Account. Points 
that remain unused in your Points Balance after 
that period will expire and be forfeited. 
(b)   If you ask us to cancel or close your Rewards 
Card Account, you have up to 60 days from the 
date you make the request to use any Points in 
your Points Balance. To redeem these Points 
you need to Call Us. Points that remain unused 
in your Points Balance after that period will 
expire and be forfeited. 
(c)   If you return a Reward and we consent to the 
return (see clause 9), the points you used to 
redeem the Reward will be credited to your 
account. You have up to 30 days from the date 
the Points are credited to your account to use 
these Points. Points that remain unused after 
that period will expire and be forfeited. 
(d)   In the event of your death, your executor or 
administrator, on provision of reasonable 
supporting documentation of their 
appointment, may redeem Points in your Points 
Balance within 60 days of notifying us of your 
death. After that date any unused Points will 
expire and be forfeited. No other person, 
including a Cardholder, can redeem Points once 
we are notified of your death by your executor or 
administrator. 
(e)   If NAB Rewards is terminated by us, we will let 
you know how long you have to use your Points 
– see clause 19.

15 
13.   How to transfer your Points to 
someone   else 
This clause describes the circumstances in which 
you can transfer Points from the Points Balance 
applicable to your Business Rewards Card Account. 
13.1   Who? 
If you earn Points using a Business Rewards Card 
Account, you may Call Us to transfer Points from 
your Points Balance to either: 
(a)   the Points Balance of another Related Body 
Corporate; or 
(b)   the Points Balance of a Cardholder. 
13.2   What you need to provide 
At the time you make the request you will be 
required to provide the full name and address 
details of the recipient of the Points. 
When we process the transfer: 
(a)   both you and the recipient of the Points must 
have an Open and Active Rewards Card Account 
when the transfer is made. The transfer cannot 
be reversed or cancelled by either you or the 
recipient of the Points; 
(b)   Points which have been transferred to the 
recipient’s Points Balance retain their expiry 
period. This recipient of the Points will be 
advised on their Monthly Card Statement when 
the transferred Points will expire; and 
(c)   you must not require or receive any payment or 
anything else of value for any transfer of Points 
to anyone else. 
The transfer of Points may have tax implications. 
We recommend you and the recipient of the Points 
check with an accountant or tax adviser for further 
information.

16 
14.   Who is responsible for the Reward? 
We give no verbal, written or implied warranty about 
any Rewards provided under NAB Rewards. In 
particular, we don’t represent that any particular 
Reward is suitable for a particular purpose for which 
you intend to use it. A Reward will normally come 
with a warranty from the supplier or manufacturer 
of the Reward and any claim in respect of that 
Reward should be made directly to the supplier 
or manufacturer. 
This doesn’t prevent you from claiming against us 
where we supply services in connection with NAB 
Rewards. If you are a consumer, consumer 
protection laws include non-excludable warranties 
which may entitle you to compensation and we can 
only limit our liability in the way and to the extent 
it’s permitted by those laws. 
If we are liable for the breach of any term implied by 
law, our liability for loss or damage from the breach 
is limited to: 
(a)   supplying the service again or paying the costs 
of having the service resupplied; or 
(b)   replacement or repair of the Reward or payment 
of the cost of replacing or repairing the Reward. 
Except to the extent provided by law we do not 
accept any liability for: 
(i)   the loss, theft or destruction of a Reward; 
(ii)   loss arising from the death or injury arising 
from the supply of a Reward; or 
(iii)   any disruption to NAB Rewards, delay or 
inability to provide a Reward caused by 
circumstances beyond our control like 
industrial disputes or acts of God.

17 
We make every reasonable effort to ensure the 
description of offers in connection with Bonus 
Points, Rewards and Rewards Provider terms are 
correct. However, we are necessarily reliant on the 
information provided by Bonus Points Providers and 
Rewards Providers being accurate and for this 
reason we are not responsible for any inaccuracy in 
the description of a Bonus Points promotion or of a 
Reward or any terms applicable to the Reward, 
except to the extent the inaccuracy is caused by our 
fraud, negligence or misconduct. 
15.   How do you get a dispute resolved? 
If you have a complaint in relation to NAB Rewards, 
your allocation of Points or your Points Balance, 
please Call Us. 
We’ll aim to resolve any problem on the spot. 
Sometimes we may require you to confirm details 
of your complaint in writing and to provide 
supporting details. 
If we can’t resolve the complaint promptly we will let 
you know how long we expect it to take. We’ll also 
let you know when we have completed our 
investigations and the reasons for our decision. 
If you are not satisfied with the way your complaint 
has been resolved or the steps we have taken, you 
may wish to contact our external dispute resolution 
scheme, the Australian Financial Complaints 
Authority (AFCA). This is a free service established to 
provide you with an independent mechanism to 
resolve specific complaints. 
The AFCA can be contacted at: 
Telephone: 1800 931 678 (free call) 
Website:   https://www.afca.org.au 
Postal: GPO Box 3 Melbourne VIC 3001 
16.   How we communicate with each other 
16.1   If you need to contact us 
You can Call Us for any enquiries about NAB Rewards 
including Points Balance, Points information on your 
Rewards Statement or Rewards.

18 
16.2   If we need to contact you 
We will send you any notices or information about 
NAB Rewards required by these terms and 
conditions (including changes to these terms and 
conditions   as described in clause 20) by electronic 
methods (as permitted by law). 
These methods may include: email, SMS, a message 
in your Rewards Statement, or through NAB Internet 
Banking or the NAB app. 
If we communicate with you by email or SMS, we will 
use the email address or mobile phone number 
recorded on our file. We consider the notice received 
on the date on the notice or when it reaches the 
addressee’s electronic address, whichever is later. 
You’ll need to regularly check your electronic 
communication for any notices we’ve sent you – 
and let us know if you change your contact details, 
such as your email address or mobile phone number. 
17.   Tax Matters 
We recommend   that you or anyone authorised to 
earn and redeem Points seek independent tax 
advice about the tax consequences (including any 
fringe benefits tax and goods and services tax or 
reporting requirement) arising from the use of this 
Rewards Card Account or Card, or from using NAB 
Rewards, or any Reward or other available NAB 
Rewards facilities. 
18.   Personal Information 
18.1   How we collect and use your personal 
information 
We will collect, hold, use and d isclose information 
about you and other people you authorise to use 
your Points Balance in connection with NAB 
Rewards. Information will include certain personal 
information, and transaction information relating to 
the use of a Card or Rewards Card Account, Points 
earned and requests for Rewards. 
We will use this information for the purposes of NAB 
Rewards to provide and market Rewards and 
services to you, including the products and services 
of our service providers and other third parties.

19 
18.2   We can disclose your personal information 
to others 
We may disclose this information to others in 
connection with NAB Rewards, including to: 
(a)   our service providers and agents engaged for 
the purpose of the administration, provision of 
services relating to NAB Rewards and promotion 
of NAB Rewards; and 
(b)   Reward Providers, Bonus Points Providers and 
other third parties engaged for the purposes of 
performing other services in connection with 
NAB Rewards, including the provision of 
a Reward. 
We treat all personal information with care and in 
accordance with our privacy policy, which is available 
if you Call Us or at   www.nab.com.au/privacy . 
18.3 We   can   tell   you   about   offers   and   news 
We may also use or disclose your personal 
information to let you know about offers and news 
about NAB Rewards and our Rewards partners 
electronically (e.g. email, SMS, and social networking 
forums) that we believe may be of interest to you. 
You can let us know at any time if you no longer wish 
to receive direct marketing electronic offers from 
NAB Rewards by calling us on 13 22 65. We will 
process your request as soon as practicable. 
You can also unsubscribe from marketing applicable 
to NAB Rewards at any time if you Call Us or follow 
the unsubscribe link in an electronic communication 
(including received from NAB Rewards. When you do 
this, you will be unsubscribing from all NAB Rewards 
marketing from us. 
19.   Termination of NAB Rewards 
We may terminate NAB Rewards at any time acting 
reasonably. Where possible, we will give you at least 
90 days’ prior notice of the termination and 
cancellation of your Rewards Card Account (if 
applicable). Circumstances where prior notice may 
not be possible include where we are affected by 
events outside our control (for example, one of our 
key Rewards partners terminates their arrangement 
with us or can no longer perform their obligations).

20 
If we give you notice after termination, Points will 
continue to be credited to your Points Balance in 
relation to transactions that occurred prior to the 
date of termination but only if we received notice 
of the transaction within 90 days after the date of 
termination. 
Any notice we give will include the general reasons 
for termination (if possible), and the time period 
available to you to use Points in your Points Balance 
to claim Rewards. Points will be available for use at 
least three months from the date we notify you that 
NAB Rewards is discontinued. 
Examples of when we may terminate include, but 
are not limited to: 
(a)   where you are in default under these terms and 
conditions, the NAB Credit Card Terms and 
Conditions, or the terms and conditions of 
another facility that the Customer has with us; 
(b)   where we believe on reasonable grounds that 
the continued operation of the account may 
cause loss to the Customer or us. 
These examples are for guidance only and do not 
limit our ability to cancel the account. 
Clause 12(b) describes the time you have to use 
Points if you cancel or close your Rewards Card 
Account. 
20.   Changes to these terms and conditions 
(a)   We may change these terms and conditions and 
other terms and conditions that apply to 
Rewards (described in clause 11). We can: 
Change   Notification   period 
Change in the way you earn 
Points, including a change to 
existing ways or the 
introduction of new ways 
according to the type of Card 
At any time without prior 
notice (but if the change is 
unfavourable, we will try to 
publish details before the 
change takes effect, if we are 
able to do so). We will make 
current information about 
the way to earn Points 
available in the FAQs

21 
Change   Notification   period 
Change to allocation of 
Points for dollar spent 
At any time by giving you at 
least 30 days prior written 
notice 
Change the period for expiry 
of Points 
At any time by giving you at 
least 30 days prior written 
notice 
Remove Rewards   At any time and without prior 
notice. Current information 
is available on NAB Rewards 
Store 
Add and remove Bonus 
Points Providers and Reward 
providers from NAB Rewards 
At any time and without prior 
notice. Current information 
is available on NAB Rewards 
Store 
Introduce any fee or charge 
to use the services available 
in NAB Rewards 
At any time by giving you at 
least 30 days written notice 
Change to the number of 
Points required to redeem a 
Reward 
At any time and without prior 
notice. Current information 
is available on NAB Rewards 
Store 
Change the format and 
frequency of Reward 
Statements 
At any time without notice 
Any other changes   At any time by giving you at 
least 30 days written notice 
(b)   Where we advise you in advance of a change 
under this clause or clause 9(b), you should 
consider whether you want to redeem the 
Points before the change takes effect. 
(c)   Where the Reward Provider or Bonus Points 
Provider is not us, the Rewards Provider and 
Bonus Points Provider may make changes at 
any time and without notice to the terms and 
conditions applying to the Reward they provide 
or the terms and conditions applying to the 
special promotion they offer in connection with 
Bonus Points, as applicable. Changes to these 
terms will be notified on the NAB Rewards Store.

22 
21.   What some words mean 
Term   Definition 
Accountholder, 
you or your 
means the person in whose name the 
Rewards Card Account is kept and who is 
responsible for all transactions on the 
Rewards Card Account. For Business Rewards 
Card Accounts this includes the facility owner 
Bonus Points   mean Points described in clause 4 
Bonus Points 
Provider 
means a provider who offers Bonus Points or 
additional Bonus Points in connection with 
NAB Rewards and includes us 
Business Days   means a day other than a Saturday or Sunday 
or a day gazetted as a public holiday 
throughout Australia 
Business Rewards 
Card Account 
means NAB Rewards Business Signature or 
any other NAB business card facility notified 
to Accountholders from time to time as being 
a Business Rewards Card Account for the 
purposes of these terms and conditions and 
NAB Rewards 
Call Us   means using the contact telephone numbers 
below 
•   for Personal Rewards Card Accounts 
– 13 22 65 
•   for Business Rewards Card Accounts 
– 13 10 12 
Card   means a card issued by us in connection with 
your Rewards Card Account 
Cardholder   means a person you have nominated to be a 
cardholder on your Rewards Card Account in 
accordance with the Rewards Card Account 
Terms and Conditions 
FAQs   means the Frequently Asked Questions 
available in the NAB Rewards Store for 
information about NAB Rewards 
Monthly Card 
Statement 
means the statement of account issued to 
you in accordance with the Rewards Card 
Account Terms and Conditions 
NAB Rewards   means the NAB Rewards program provided 
by us in accordance with these terms and 
conditions 
NAB Rewards 
Store 
means the website we make available to you 
in connection with NAB Rewards via NAB 
Internet Banking or NAB Connect, or any 
other channel NAB makes available to you 
Open and Active   refers to the status of the Rewards Card 
Account, where the account and Card can be 
used to make transactions

23 
Term   Definition 
Personal Rewards 
Card Account 
means a NAB Rewards or NAB Rewards Travel 
or any other NAB Personal Rewards Card 
Account notified to Accountholders from time 
to time as being a Personal Rewards Card 
Account for the purposes of these terms and 
conditions and NAB Rewards 
Points   means the points earned on eligible 
transactions in accordance with these terms 
and conditions 
Points Balance   means the total of points earned in 
connection with your Rewards Card Account 
and recorded on the NAB Rewards Store and 
which is used for the purposes of determining 
entitlement for a Reward 
Points Plus Pay   means the method of obtaining Rewards 
described in clause 10.5 
Related Body 
Corporate 
as defined in the Corporations Act 2001 
Reward   means a service or entitlement to a good or 
service (eg. e-voucher) which can be obtained 
by the redemption of Points in a Points 
Balance under these terms and conditions 
Rewards Card 
Account 
means the Personal Rewards Card Account or 
Business Rewards Card Account which is a 
Rewards Card Account for the purposes of 
these terms and conditions and NAB Rewards 
Rewards Card 
Account Terms and 
Conditions 
means the terms and conditions applicable to 
your Rewards Card Account 
Rewards Provider   means us or any other person who agrees to 
provide Rewards in connection with NAB 
Rewards 
Rewards 
Statement 
means your NAB Rewards statement which 
shows Points earned in connection with your 
Rewards Card Account during the period of 
the statement and includes the Points 
Balance at the closing date of the statement 
We, us, our or NAB   means National Australia Bank Limited ABN 
12 004 044 937

For more information call 
NAB Loyalty Team 
for personal 
13 22 65 
for business 
13 10 12 
or visit us at   nab.com.au 
Help for people with hearing or 
speech communication difficulties. 
Contact us on   13 22 65   through 
the National Relay Service. 
© 2026 National Australia Bank Limited ABN 12 004 044 937 AFSL and 
Australian Credit Licence 230686 A131374-0826

---

# Source: https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/services/nab-concierge-services.pdf

NAB CONCIERGE
SERVICES 
Terms and Conditions
effective 13.11.17

NAB has arranged for the following NAB Concierge
Services to be made available to NAB Platinum Card
and NAB Signature Card Customers by International
SOS Ltd or VISA Worldwide Pte. Ltd.

CONCIERGE SERVICES 
These terms and conditions apply to use of the NAB
Concierge Services. Please read through these terms as
they contain details about the services available and other
important information.
Should you have any questions relating to the NAB
Concierge Services please call   1300 730 213   for NAB
Platinum Cards or   1300 489 410   for NAB Signature Cards. 
1   Definitions
1.1   NAB   Concierge   Services 
NAB Concierge Services is a lifestyle service benefit
offered 24 hours a day, seven days a week by calling 
1300 730 213   for NAB Platinum Cards or   1300 489 410 
for NAB Signature Cards. 
1.2 Cardholders 
Cardholders   are defined as a permanent resident of
Australia to whom NAB has issued a Platinum Card or
Signature Card and includes the primary cardholder
and any additional cardholder to whom a NAB
Platinum Card or NAB Signature Card has been
issued for use of a NAB credit card account or NAB
Visa Debit account. 
1.3 NAB   Platinum   or   Signature   Cards 
NAB Platinum Cards and NAB Signature Cards are
defined as a current valid personal Platinum or
Signature credit or debit card issued by NAB in
connection with a personal credit card account or
NAB Visa Debit account (and includes a card issued
to an additional cardholder on such an account). 
2   Eligibility 
Lifestyle Services are valid locally and worldwide.


3   Lifestyle   Services 
Lifestyle Services cover all types of personal assistance
and lifestyle services including: 
(a)   Flight information; 
(b)   Sourcing, purchasing, and delivery of tickets for
theatre shows, concerts, and sporting events; 
(c)   Providing details of events and shows in cities
worldwide; 
(d)   Fine dining, restaurant referrals and reservations; 
(e)   Hotel information, referrals and reservations; 
(f)   Car rental, limousine and car service information,
referrals and reservations; 
(g)   Country and major cities information: 
•   Festivals, museums and music entertainment
information 
• Time, house and holiday information; 
(h)   Health club information, referrals, reservations; 
(i)   Golf tee time information and reservations; 
(j)   Gift sourcing: 
• Gift arrangements 
• Gift basket 
• Floral arrangement; 
(k)   Sourcing, purchasing and delivery of goods; 
(l)   Pre-trip information and assistance; 
(m)   Emergency message service; 
(n)   Passport and Visa assistance; 
(o)   Emergency interpretation assistance; 
(p)   Business service assistance; 
(q)   Send it home service; 
(r)   Courier service. 
2

3.1   Lifestyle   Services   conditions 
The   cardholder   will be informed of the cost and
options, if available, before any booking or purchase
is made on behalf of the   cardholder . NAB Concierge
Services will not incur costs   on behalf of the 
cardholder   unless his/her   prior consent has been
received. Any ticket purchases once authorised
and confirmed by the   cardholder   will be deemed
non-refundable on non-exchangeable items. NAB
Concierge Services will always strive to secure the best
seats available according to the   cardholder’s   specific
request and price range. 
3.2   Charges 
NAB Concierge Services will provide the   cardholder 
with a clear and detailed breakdown of any costs
associated with the provision of a service described
in Section 3 prior to arranging the service. The 
cardholder   will not be charged for research and/or
co-ordination services performed by NAB Concierge
Services (including for any telecommunication charges
associated with fulfilling a request and costs incurred
in utilising the NAB Concierge Services international
network of agents/correspondent companies).
NAB Concierge Services will use its best efforts to
source reasonably priced shipping and delivery
charges for goods or services purchased on behalf
of the   cardholder . 
The following are the responsibility of the   cardholder : 
• Costs of goods/services purchased 
• Any deposit paid 
• Costs of cancellation 
• Delivery/shipping costs including insurance costs 
• Custom duties and import taxes 
•   Costs incurred in transferring funds to fulfil a request 
• Funds advanced to fulfil a request. 
3

To the extent possible, goods and services acquired
on behalf of the   cardholder   will be charged directly
by the service establishment to the   cardholder .
If   NAB Concierge Services advances funds for goods
or services, NAB Concierge Services shall bill that
amount to the   cardholder’s   Platinum Card or
Signature Card account.
If the transaction is in a currency other than Australian
Dollars the amount shall be converted to Australian
Dollars at the prevailing foreign exchange rate
detailed in the Wall Street Journal on the day the
payment is effected to the establishment and a
surcharge of    % of the transaction amount will
be levied. 
3.3   Exclusions   in   locating   goods 
NAB Concierge Services will not locate goods and
services described in Section 3 requested for large-
scale commercial use, or locate goods and services
described in Section 3 abroad when customs
regulations prohibit the shipping of the items to the 
cardholder . NAB Concierge Services will not locate
items, which are prohibited under applicable law or
which contravene popular moral or ethical standards. 
4

3.4   Purchase   and   shipping   restrictions 
NAB Concierge Services will purchase and ship gifts
on behalf of the   cardholder , provided that such
goods are for personal use and a shipping agency
can be located to ship the requested quantity of items
and provide insurance to the total value of the items.
NAB Concierge Services will not arrange the purchase
or delivery of any commercial consignment. NAB
Concierge Services will purchase and ship items in
accordance with international shipping regulations
and will observe the customs and excise restrictions
in force. The   cardholder   will be informed if customs,
excise and value added taxes are applicable. The 
cardholder   is responsible for any such levies. NAB
Concierge Services requires that all items shipped
must be insured for the full purchase value and such
insurance costs shall be borne by the   cardholder .
If the   cardholder   refuses to do so, he/she will be
referred to the shipping agent to make
arrangements direct. 
3.5   Restaurant   reservations 
NAB Concierge Services will recommend restaurants
to   cardholders   and secure reservations, subject to
availability. 
3.6   Lifestyle   Services   exclusions 
The following will not be provided by NAB Concierge
Services: 
(a)   Any request involving the use of illegal channels,
any requests which are deemed as immoral and/
or unethical (e.g. invasion of privacy) or requests
which contravene any applicable laws in force. 
(b)   Services in countries which are the subject of
US Government sanctions.


© 2017   National Australia Bank Limited ABN   12 004 044 937   AFSL and Australian Credit
Licence   230686 68819A1017 
For NAB Platinum Cards call 
1300 730 213 
For NAB Signature Cards call 
1300 489 410 
24 hours, 7 days a week
or visit us at   nab.com.au 
Hearing impaired customers
with telephone typewriters
can contact us on   13 36 77

---

# Source: https://www.nab.com.au/content/nabrwd/en/personal/insurance/complimentary-card-insurances/policy-changes.html

Changes to complimentary card insurances - NAB

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#  Changes to NAB complimentary card insurances 

If you have a NAB card with complimentary insurance, some benefits changed on 15 May 2026\. The changes depend on the type of card you have. Use the table to check what has changed for your card. Details of the changes were also previously notified to you.

##  Insurance booklet update 

To reflect name changes to some of our products, a Notice of Change will be added to the front of our Policy Information Booklet. These name changes will be effective 1 October 2026 and include the following products:

* NAB Rewards Signature Card will change to NAB Rewards Travel Card​
* NAB Qantas Plus Card will be changed to NAB Qantas Rewards Premium Card​
* NAB Rewards Platinum Card will be changed to NAB Rewards Card​

## What’s changed for my card?

From 15 May 2026:

* some cards no longer include complimentary travel insurance or rental vehicle excess insurance in Australia
* some cards have International Travel Insurance cover reduced to 30 consecutive days
* some cards have changes to Travel Delay Expenses
* some eligible cards have mobile phone insurance added.

## Summary of changes

Check for your card in the table below to see what has and hasn’t changed. Then read the FAQs for common questions about [Complimentary Travel Insurances](https://www.nab.com.au/personal/insurance/complimentary-card-insurances) cover, [mobile phone insurance](https://www.nab.com.au/personal/insurance/mobile-phone-insurance) and your options.  

| | Travel insurance                                                                                                                        | Travel delay expenses – International Travel Insurance                                                                                                                                                                          | Mobile phone insurance                                                                                                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                      |
| ----------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [NAB Rewards Credit Card](https://www.nab.com.au/personal/credit-cards/nab-rewards-cards/rewards-card)                                    | Travel insuranceInternational Travel Insurance, Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia no longer apply for claimable events on or after 15 May 2026.                                        | Travel delay expenses – International Travel InsuranceNo longer applies                                                                                                                                                                                                                                                                                                                                         | Mobile phone insuranceHas been added. Cover applies when you pay your monthly mobile phone bill with your eligible NAB card. Terms, conditions and exclusions apply. |
| NAB Flybuys Rewards Credit Card                                                                                                           | Travel insuranceInternational Travel Insurance, Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia no longer apply for claimable events on or after 15 May 2026.                                        | Travel delay expenses – International Travel InsuranceNo longer applies                                                                                                                                                                                                                                                                                                                                         | Mobile phone insuranceHas been added. Cover applies when you pay your monthly mobile phone bill with your eligible NAB card. Terms, conditions and exclusions apply. |
| [NAB Low Rate Platinum Credit Card](https://www.nab.com.au/personal/credit-cards/off-sale/nab-low-rate-platinum-card)                     | Travel insuranceInternational Travel Insurance, Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia no longer apply for claimable events on or after 15 May 2026.                                        | Travel delay expenses – International Travel InsuranceNo longer applies                                                                                                                                                                                                                                                                                                                                         | Mobile phone insuranceHas been added. Cover applies when you pay your monthly mobile phone bill with your eligible NAB card. Terms, conditions and exclusions apply. |
| NAB Velocity Rewards Premium Credit Card                                                                                                  | Travel insuranceInternational Travel Insurance, Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia no longer apply for claimable events on or after 15 May 2026.                                        | Travel delay expenses – International Travel InsuranceNo longer applies                                                                                                                                                                                                                                                                                                                                         | Mobile phone insuranceHas been added. Cover applies when you pay your monthly mobile phone bill with your eligible NAB card. Terms, conditions and exclusions apply. |
| NAB Premium Credit Card                                                                                                                   | Travel insuranceInternational Travel Insurance, Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia no longer apply for claimable events on or after 15 May 2026.                                        | Travel delay expenses – International Travel InsuranceNo longer applies                                                                                                                                                                                                                                                                                                                                         | Mobile phone insuranceHas been added. Cover applies when you pay your monthly mobile phone bill with your eligible NAB card. Terms, conditions and exclusions apply. |
| [NAB Low Fee Platinum Credit Card](https://www.nab.com.au/personal/credit-cards/off-sale/nab-low-fee-platinum-card)                       | Travel insuranceInternational Travel Insurance, Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia no longer apply for claimable events on or after 15 May 2026.                                        | Travel delay expenses – International Travel InsuranceNo longer applies                                                                                                                                                                                                                                                                                                                                         | Mobile phone insuranceHas been added. Cover applies when you pay your monthly mobile phone bill with your eligible NAB card. Terms, conditions and exclusions apply. |
| [NAB Qantas Rewards Premium Credit Card](https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-premium-card)     | Travel insuranceInternational Travel Insurance cover period reduces from up to 3 consecutive months to up to 30 consecutive days for cardholders, their spouses and/or dependents for claimable events on or after 15 May 2026. | Travel delay expenses – International Travel InsuranceIf your travel is delayed for at least 6 consecutive hours, and for each additional 24 consecutive hours after that, you can claim up to $500 per person for meals and accommodation. The total claim is capped at $2,000 per cardholder or spouse, with dependants included in that limit. Applies where the claimable event is on or after 15 May 2026. | Mobile phone insuranceNot available                                                                                                                                  |
| [NAB Qantas Plus Credit Card](https://www.nab.com.au/personal/credit-cards/off-sale/nab-qantas-plus-card)                                 | Travel insuranceInternational Travel Insurance cover period reduces from up to 3 consecutive months to up to 30 consecutive days for cardholders, their spouses and/or dependents for claimable events on or after 15 May 2026. | Travel delay expenses – International Travel InsuranceIf your travel is delayed for at least 6 consecutive hours, and for each additional 24 consecutive hours after that, you can claim up to $500 per person for meals and accommodation. The total claim is capped at $2,000 per cardholder or spouse, with dependants included in that limit. Applies where the claimable event is on or after 15 May 2026. | Mobile phone insuranceNot available                                                                                                                                  |
| [NAB Platinum Visa Debit Card](https://www.nab.com.au/personal/bank-accounts/debit-cards/nab-platinum-visa-debit-card)                    | Travel insuranceInternational Travel Insurance cover period reduces from up to 3 consecutive months to up to 30 consecutive days for cardholders, their spouses and/or dependents for claimable events on or after 15 May 2026. | Travel delay expenses – International Travel InsuranceIf your travel is delayed for at least 6 consecutive hours, and for each additional 24 consecutive hours after that, you can claim up to $500 per person for meals and accommodation. The total claim is capped at $2,000 per cardholder or spouse, with dependants included in that limit. Applies where the claimable event is on or after 15 May 2026. | Mobile phone insuranceNot available                                                                                                                                  |
| [NAB Rewards Travel Credit Card](https://www.nab.com.au/personal/credit-cards/nab-rewards-cards/travel-card)                              | Travel insuranceNo change.                                                                                                                                                                                                      | Travel delay expenses – International Travel InsuranceIf your travel is delayed for at least 6 consecutive hours, and for each additional 24 consecutive hours after that, you can claim up to $500 per person for meals and accommodation. The total claim is capped at $2,000 per cardholder or spouse, with dependants included in that limit. Applies where the claimable event is on or after 15 May 2026. | Mobile phone insuranceNo change                                                                                                                                      |
| [NAB Qantas Rewards Signature Credit Card](https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-signature-card) | Travel insuranceNo change.                                                                                                                                                                                                      | Travel delay expenses – International Travel InsuranceIf your travel is delayed for at least 6 consecutive hours, and for each additional 24 consecutive hours after that, you can claim up to $500 per person for meals and accommodation. The total claim is capped at $2,000 per cardholder or spouse, with dependants included in that limit. Applies where the claimable event is on or after 15 May 2026. | Mobile phone insuranceNot available                                                                                                                                  |

## NAB Card Insurance Policy Information Booklet current and previous

### Current booklet effective 15 May 2026

* [NAB Card Insurance Policy Information Booklet effective 15 May 2026 (PDF, 592KB)](https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf)

### Previous booklets

* [NAB Card Insurance Policy Information Booklet effective 1 July 2025 (PDF, 474KB)](https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-1-july-2025.pdf)

## NAB Card Complimentary Mobile Phone Insurance

### Current booklet

* [NAB Cards Complimentary Mobile Phone Insurance Terms and Conditions effective 12 June 2024 (PDF, 145KB)](https://www.nab.com.au/content/dam/nab/documents/terms-and-conditions/banking/mobile-phone-protection-insurance-terms-and-conditions.pdf)

## Making claims relating to travel

**Claims are assessed using the NAB Card Insurance Policy Information Booklet in effect on the date of the claimable event.**

If your claimable event happened before 15 May 2026, a previous policy information booklet will apply. If your claimable event happens on or after 15 May 2026, the current policy information booklet (effective 15 May 2026) will apply.

### Complimentary travel insurances claim

Contact Allianz Global Assistance (AGA).

* Call [1800 187 025](tel:1800187025) Monday to Friday, 8:00am to 7:00pm (AEST/ADST)
* Lodge a [claim online](https://travel.agaassistance.com.au/nab/make-a-claim)

## Making claims relating to mobile insurance protection

**Claims are assessed using the NAB Cards Complimentary Mobile Phone Insurance Terms and Conditions effective 12 June 2024.**

### Mobile insurance claims

Contact AIG Australia Limited.

* Call [+61395224111](tel:+61395224111) Monday to Friday, 8:30am to 5:30pm (AEST/ADST)
* Lodge a [claim online](https://ba.mycardbenefits.com/)

## Frequently asked questions

* ### What if my travel started before 15 May 2026 and ended after 15 May 2026, and I have multiple claims to make?  
For cards that continue to have access to Complimentary International Travel Insurances on 15 May 2026, the Policy Information Booklet used to assess a claimable event will depend on when the event occurred. If a claimable event occurred before 15 May 2026, a previous Policy Information Booklet applicable at that time, would be used to assess that part of the claim. If a claimable event occurred on or after 15 May 2026, the current Policy Information Booklet would be used to assess that claimable event.
* ### What if my card no longer has access to Complimentary Travel Insurances on 15 May 2026?  
You can make a claim for claimable events that occurred prior to 15 May 2026 under the relevant Policy Information Booklet applicable at that time.  
If your card no longer has access to Complimentary International Travel Insurance, Domestic Travel Insurance or Rental Vehicle Excess Insurance in Australia for claimable events on or after 15 May 2026, and you are planning to travel, you may want to consider other insurance options before your departure. This could include purchasing a separate travel insurance policy that suits your trip and personal circumstances.
* ### Where can I find the full details of NAB complimentary card insurances?  
For full policy details, read the:  
   * [NAB Card Insurance Policy Information Booklet effective 15 May 2026 (PDF, 592KB)](https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf), cover provided by Allianz Australia Insurance Limited  
   * **Mobile phone protection insurance:** [NAB Cards Complimentary Mobile Phone Insurance Terms and Conditions effective 12 June 2024 (PDF, 145KB)](https://www.nab.com.au/content/dam/nab/documents/terms-and-conditions/banking/mobile-phone-protection-insurance-terms-and-conditions.pdf), cover provided by AIG Australia Limited  
They include the eligibility criteria, Benefit limits and sub-limits, exclusions and the full terms and conditions that apply.

## Important Information 

### Terms and Conditions

 Apologies but the Important Information section you are trying to view is not displaying properly at the moment. Please refresh the page or try again later.

**International travel insurance, Domestic travel insurance, Rental vehicle excess insurance in Australia, Extended warranty insurance, and Purchase protection 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 allows eligible persons to claim under it as third-party beneficiaries. 

Access to the benefit of cover under the NAB card insurances is available to eligible NAB cardholders and other eligible third party beneficiaries 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 insurance information booklet. The eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the [NAB Card Insurance Policy Information Booklet effective 15 May 2026 (PDF, 592KB)](https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf), which may be amended from time to time. For insurable events that occurred prior to 15 May 2026 please refer to the [NAB Card Insurance Policy Information Booklet effective 1 July 2025 (PDF, 474KB)](https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-1-july-2025.pdf).

For more information about the changes visit [Information about changes to complimentary insurances](https://www.nab.com.au/personal/insurance/complimentary-card-insurances/policy-changes).

**Mobile phone insurance**

Complimentary Mobile Phone insurance (covering Accidental Damage and Theft to Your Eligible Mobile Telephone) is provided under a group policy issued by AIG Australia Limited (ABN 93 004 727 753, AFSL 381 686) (AIG) to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (NAB). Cover is available to all NAB Rewards Travel, NAB Rewards, NAB Velocity Rewards Premium, NAB flybuys Rewards, NAB Low Rate Platinum, NAB Low Fee Platinum, NAB Low Rate and NAB Low Fee Credit Cardholders (Eligible Person). Eligible Persons can claim under the Group Policy as third-party beneficiaries in accordance with section 48 of the Insurance Contracts Act 1984 (Cth).

If an Eligible Person wishes to claim, such claim will be subject to the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits as further detailed in the [terms and conditions (PDF, 145KB)](https://www.nab.com.au/content/dam/nab/documents/terms-and-conditions/banking/mobile-phone-protection-insurance-terms-and-conditions.pdf) for such coverage which is available at [nab.com.au/personal/insurance/complimentary-card-insurances](https://www.nab.com.au/personal/insurance/complimentary-card-insurances). 

To be eligible for coverage Eligible Persons must have a contract with a mobile phone provider and a monthly billing arrangement using their eligible NAB card. Any advice provided by NAB about this insurance is general advice only and is not based on any consideration of an Eligible Person’s objectives, financial situation, or needs. Eligible Persons must determine whether or not it is appropriate, in light of their own circumstances, to act on this advice.

AIG as product issuer is not providing any financial advice about this insurance. NAB is not the product issuer, and neither NAB or its related bodies corporate guarantee any of the benefits under this insurance cover.

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## Connect with us  
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NAB acknowledges the Traditional Owners of the land as Australia’s First Peoples and recognises their continuing connection to lands, water and country. We pay our respects to Elders past and present.

Any advice on our website has been prepared without considering your objectives, financial situation or needs. Before acting on any advice, consider whether it is appropriate for your circumstances and view the Product Disclosure Statement or Terms and Conditions available online or by contacting us. Credit applications are subject to credit assessment criteria. Interest rates, fees and charges are subject to change. Target Market Determinations for our products are available at [nab.com.au/TMD](https://www.nab.com.au/important-information/target-market-determinations). Products issued by NAB unless stated otherwise.

© National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686

---

# Source: https://www.nab.com.au/content/nabrwd/en/personal/interest-rates-fees-and-charges/indicator-rates-for-other-personal-lending.html

Indicator rates for other personal lending products - NAB

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#  Indicator rates for other personal lending products 

See our current interest rates on our personal lending products.

Rates effective as of Thursday, 8 October 2026.

## Contents

If you know which product you'd like to check the rate for, you can click on the corresponding link below.

* [Credit cards](#cc)
* [Personal loans (unsecured)](#pl)
* [Investment lending (formerly margin lending)](#investlend)
* [Personal base rate](#perbaserate)
* [Personal overdrafts](#persoverdfts)
* [Products no longer for sale](#notforsale)

## Credit cards  

The table below shows our current [credit card](https://www.nab.com.au/personal/credit-cards) interest rates.

## Personal loans (unsecured)

This table shows our current [personal loan](https://www.nab.com.au/personal/personal-loans) interest rates.

$250 application fee waiver valid for applications started from 8 October 2026 to 3 December 2026 and completed within 30 days of commencing - subject to credit approval and eligibility criteria. Terms, conditions, fees and charges apply.

###  Personal loan indicator rates 

This table displays our current variable indicator rates - these are used to calculate our variable interest rates. The variable interest rate for a NAB Personal Loan will either be the indicator rate or the indicator rate plus or less a margin.

## Investment lending (formerly margin lending)

You can read more about [investment lending](https://www.nab.com.au/personal/trading-investments/investment-lending), including how it works, and the current interest rates.

## Personal base rate

| Base rate | 8.77% p.a. |
| --------- | ---------- |

## Personal overdrafts

| NAB Personal Overdraft   | 12.77% p.a. |
| ------------------------ | ----------- |
| NAB Overdraft Protection | 12.77% p.a. |

## Products no longer for sale

The tables below show the interest rates for products we no longer sell.

###  Credit cards 

##  Get in touch 

###  Customer Support Tool 

Solve problems quickly online with our easy-to-follow guides. Simply select a topic and we’ll direct you to the information you need.

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###  Contact us 

Explore our personal banking contact information and get support with a wide range of products, services and topics.

[ View all personal banking contacts ](https://www.nab.com.au/contact-us/personal) 

###  Visit a NAB branch 

Visit us in person at your nearest NAB branch or business banking centre.

[ Find a NAB branch ](https://www.nab.com.au/locations) 

## Important Information 

### Terms and Conditions

 Apologies but the Important Information section you are trying to view is not displaying properly at the moment. Please refresh the page or try again later.

Target Market Determinations for these products are available at [nab.com.au/TMD](https://www.nab.com.au/important-information/target-market-determinations).

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   * [ Shareholder Centre ](https://www.nab.com.au/about-us/shareholder-centre)  
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   * [ X , opens in new window ](https://x.com/NAB)  
   * [ TikTok , opens in new window ](https://www.tiktok.com/@nab)

NAB acknowledges the Traditional Owners of the land as Australia’s First Peoples and recognises their continuing connection to lands, water and country. We pay our respects to Elders past and present.

Any advice on our website has been prepared without considering your objectives, financial situation or needs. Before acting on any advice, consider whether it is appropriate for your circumstances and view the Product Disclosure Statement or Terms and Conditions available online or by contacting us. Credit applications are subject to credit assessment criteria. Interest rates, fees and charges are subject to change. Target Market Determinations for our products are available at [nab.com.au/TMD](https://www.nab.com.au/important-information/target-market-determinations). Products issued by NAB unless stated otherwise.

© National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686

---

# Source: https://www.nab.com.au/personal/credit-cards/fees-charges

Personal NAB credit card fees and charges - NAB

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## Latest offers

[ Personal ](https://www.nab.com.au/personal/credit-cards/offers) 

[ Business ](https://www.nab.com.au/business/offers) 

[ Main menu ](#) 

[  ](https://www.nab.com.au/content/nabrwd/en) 

 Search nab.com.au 

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#  NAB credit card fees and charges 

A guide to our personal NAB credit card fees and charges effective 1 October 2026​

##  Credit Card Annual Fees 

Accounts opened prior to 1 December 2000 will be charged an annual fee in January each year. Accounts opened from 1 December 2000 will be charged the first annual fee when you accept the credit card agreement and then annually in the same month thereafter.  

The annual fee is waived for the life of the Package for eligible cards included in a:

* Private Tailored Package.

* Portfolio Package.
* Private Portfolio Package

When a package is cancelled/terminated, the annual card fee will be debited after the package ends and then annually in the same month thereafter.

* NAB Rewards Classic Card.
* NAB Rewards Card.
* NAB Low Fee Card.
* NAB Low Fee Platinum Card.
* NAB Qantas Rewards Card.
* NAB Qantas Rewards Premium Card.
* NAB Velocity Rewards Card.
* NAB Velocity Rewards Premium Card.
* NAB flybuys Rewards Card.

## Credit Card Monthly Fees

A monthly credit fee applies to the NAB StraightUp Card.

For the NAB StraightUp Card, the amount of the monthly credit fee will depend on your credit limit.

| NAB StraightUp Card - balances up to $1,000              | $10 per month |
| -------------------------------------------------------- | ------------- |
| NAB StraightUp Card - balances between $1,001 and $2,000 | $20 per month |
| NAB StraightUp Card - balances between $2,001 and $3,000 | $30 per month |

## NAB International Transaction Fee

The following NAB International Transaction Fees apply to all credit card accounts, except NAB Visa One Fee-Free, NAB Rewards Travel Card and the NAB StraightUp Card.

International transactions refer to using your card overseas or, using your account in Australia but the goods or service provider (commonly referred to as a ‘merchant’), financial institution or entity processing the transaction is located outside Australia. International transactions are either:

* **Single-currency international transaction**: where the transaction is made in Australian dollars (AUD).
* **Multi-currency international transaction**: where the transaction is made in a currency other than Australian dollars (AUD).

## Visa Card Scheme

## Cash Advance Fees

Cash Advance fees apply to all credit card accounts, except NAB Visa One Fee-Free.

**Note:** Cash advances aren’t allowed on the NAB StraightUp Card.

For Cash Advances you’ll be charged a percentage of the Cash Advance (in Australian dollars) or the minimum fee, whichever is the greater.

For Cash Advance transactions if after NAB posts the Cash Advance transaction and any other purchases or payments for that processing day, the balance of the account is in credit, the Cash Advance fee won’t be charged.

**Note:** NAB posts purchases and Cash Advances in that order to your account before posting payments and refunds.

| | **Cash Advance amount** | **Minimum fee**             |                      |
| ------------------------- | --------------------------- | -------------------- |
| **All channels**          | **Cash Advance amount**3.5% | **Minimum fee**$3.50 |

**Note**: In the case of Cash Advances made in currencies other than Australian dollars, the Cash Advance amount used to calculate the Cash Advance fee is the Australian dollar amount posted to your NAB Credit Card account.

You may be charged by the ATM owner where you make a Cash Advance using an ATM in Australia that doesn’t belong to NAB.

## Late Payment Fee

$20 - Debited monthly (if applicable) on or after the day when an amount that is due for payment is not paid on or before its due date, if the balance of the account is $50 or more at the time the fee is debited. 

## Other product fees and charges

[Our Guide to Fees and Charges](https://www.nab.com.au/important-information/personal/fees-charges) (covers the fees and charges that may apply to your personal products and services other than those specifically for lending (i.e. personal loans, credit cards, home loans and lines of credit).

[Home loans and lines of credit fees and charges](https://www.nab.com.au/important-information/personal/fees-charges/home-loan)

[NAB Personal Loan fees and charges](https://www.nab.com.au/personal/personal-loans)

## Important information

 Apologies but the Important Information section you are trying to view is not displaying properly at the moment. Please refresh the page or try again later.

[  Top](#) 

* ##  Quick links  
## Quick links  
   * [ Security and fraud ](https://www.nab.com.au/about-us/security)  
   * [ Contact us ](https://www.nab.com.au/contact-us)  
   * [ Financial assistance ](https://www.nab.com.au/help-support/financial-hardship)  
   * [ Feedback and complaints ](https://www.nab.com.au/contact-us/feedback)  
   * [ Find a branch ](https://www.nab.com.au/locations)  
   * [ Interpreter services ](https://www.nab.com.au/about-us/accessibility-inclusion/interpreter-services)
* ##  About us  
## About us  
   * [ About NAB ](https://www.nab.com.au/about-us)  
   * [ Shareholder Centre ](https://www.nab.com.au/about-us/shareholder-centre)  
   * [ Careers at NAB , opens in new window ](https://careers.nab.com.au/)  
   * [ Accessibility ](https://www.nab.com.au/about-us/accessibility-inclusion)  
   * [ Sustainability ](https://www.nab.com.au/about-us/sustainability)  
   * [ News ](https://www.nab.com.au/news)  
   * [ Corporate governance ](https://www.nab.com.au/about-us/corporate-governance)
* ##  Policies and terms  
## Policies and terms  
   * [ Privacy policy ](https://www.nab.com.au/common/privacy-policy)  
   * [ Website disclaimer ](https://www.nab.com.au/common/website-disclaimer)  
   * [ Important information ](https://www.nab.com.au/important-information)  
   * [ Modern slavery statement ](https://www.nab.com.au/about-us/sustainability/reporting-policies-approach/performance-reporting#modern-slavery-statement)  
   * [ Financial Services Guide ](https://www.nab.com.au/financial-services-guide)  
   * [ Banking Code of Practice ](https://www.nab.com.au/about-us/corporate-governance/banking-code-of-practice)  
   * [ Sitemap ](https://www.nab.com.au/sitemap)
* ##  Connect with us  
## Connect with us  
   * [ LinkedIn , opens in new window ](https://www.linkedin.com/company/national-australia-bank)  
   * [ Facebook , opens in new window ](https://www.facebook.com/NAB)  
   * [ Instagram , opens in new window ](https://www.instagram.com/nab/)  
   * [ YouTube , opens in new window ](https://www.youtube.com/user/nab)  
   * [ X , opens in new window ](https://x.com/NAB)  
   * [ TikTok , opens in new window ](https://www.tiktok.com/@nab)

NAB acknowledges the Traditional Owners of the land as Australia’s First Peoples and recognises their continuing connection to lands, water and country. We pay our respects to Elders past and present.

Any advice on our website has been prepared without considering your objectives, financial situation or needs. Before acting on any advice, consider whether it is appropriate for your circumstances and view the Product Disclosure Statement or Terms and Conditions available online or by contacting us. Credit applications are subject to credit assessment criteria. Interest rates, fees and charges are subject to change. Target Market Determinations for our products are available at [nab.com.au/TMD](https://www.nab.com.au/important-information/target-market-determinations). Products issued by NAB unless stated otherwise.

© National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686

---

# Source: https://www.nab.com.au/personal/credit-cards/terms-conditions

NAB credit cards | Terms, conditions and other information - NAB

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## Latest offers

[ Personal ](https://www.nab.com.au/personal/credit-cards/offers) 

[ Business ](https://www.nab.com.au/business/offers) 

[ Main menu ](#) 

[  ](https://www.nab.com.au/content/nabrwd/en) 

 Search nab.com.au 

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#  NAB credit card terms, conditions and other information 

View or download a copy of your credit card's terms and conditions, and other important information.

## Card account terms and conditions  

[NAB credit card Terms and Conditions](https://www.nab.com.au/personal/credit-cards/terms-conditions/digital) \- applies to all NAB credit cards, except the NAB StraightUp Card.

[NAB StraightUp Card Terms and Conditions](https://www.nab.com.au/personal/credit-cards/terms-conditions/nab-straightup-card) \- applies to the NAB StraightUp Card.

[NAB Electronic Banking (card based) terms and conditions](https://www.nab.com.au/personal/credit-cards/terms-conditions/card-based-electronic-banking) \- applies to all NAB credit cards.

## Rewards program terms and conditions

[NAB Rewards Terms and Conditions (PDF, 211KB)](https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/nab-rewards-terms-and-conditions.pdf) \- applies to all NAB Rewards credit card accounts.

[Velocity NAB credit card account: Velocity Points Terms and Conditions (PDF, 91KB)](https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/velocity-rewards-tcs.pdf) \- applies to all Velocity NAB credit card accounts.

[NAB Qantas Credit Card Account Reward Terms and Conditions](https://www.nab.com.au/personal/credit-cards/terms-conditions/nab-qantas-credit-card-rewards) \- applies to all NAB Qantas credit card accounts.

[Flybuys Rewards Points Terms and Conditions (PDF, 66KB)](https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/flybuys-rewards-points.pdf) \- applies to all NAB flybuys Rewards card accounts.

## Cash back terms and condition

[NAB cash back Terms and Conditions (PDF, 97KB)](https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/nab-cash-back-tcs.pdf) \- applies to NAB Visa Mini accounts.

## Product disclosure statements

[NAB Credit Card Cover product disclosure statement and policy document (PDF, 471KB)](https://www.nab.com.au/content/dam/nabrwd/documents/pds/insurance/nab-credit-card-cover-pds.pdf) \- applies to eligible NAB cardholders who hold NAB Credit Card Cover.

## Complimentary card insurance

[NAB Card Insurance Policy Information Booklet effective 15 May 2026 (PDF, 592KB)](https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf) \- applies to all credit cards except the NAB Low Rate Card and NAB StraightUp Card.

## Mobile Phone Protection terms and conditions

[NAB Cards Complimentary Mobile Phone Insurance Terms and Conditions (PDF, 145KB)](https://www.nab.com.au/content/dam/nab/documents/terms-and-conditions/banking/mobile-phone-protection-insurance-terms-and-conditions.pdf) \- applies to all NAB Rewards Travel, NAB Rewards, NAB Velocity Rewards Premium, NAB flybuys Rewards, NAB Low Rate Platinum, NAB Low Fee Platinum, NAB Low Rate and NAB Low Fee Credit Cardholders.

---

##  Get in touch 

###  Customer Support Tool 

Solve problems quickly online with our easy-to-follow guides. Simply select a topic and we’ll direct you to the information you need.

[ Customer Support Tool ](https://www.nab.com.au/help-support/customer-support-tool) 

###  Contact us 

Explore our personal banking contact information and get support with a wide range of products, services and topics.

[ View all personal banking contacts ](https://www.nab.com.au/contact-us/personal) 

###  Visit a NAB branch 

Visit us in person at your nearest NAB branch or business banking centre.

[ Find a NAB branch ](https://www.nab.com.au/locations) 

## Important information

 Apologies but the Important Information section you are trying to view is not displaying properly at the moment. Please refresh the page or try again later.

[  Top](#) 

* ##  Quick links  
## Quick links  
   * [ Security and fraud ](https://www.nab.com.au/about-us/security)  
   * [ Contact us ](https://www.nab.com.au/contact-us)  
   * [ Financial assistance ](https://www.nab.com.au/help-support/financial-hardship)  
   * [ Feedback and complaints ](https://www.nab.com.au/contact-us/feedback)  
   * [ Find a branch ](https://www.nab.com.au/locations)  
   * [ Interpreter services ](https://www.nab.com.au/about-us/accessibility-inclusion/interpreter-services)
* ##  About us  
## About us  
   * [ About NAB ](https://www.nab.com.au/about-us)  
   * [ Shareholder Centre ](https://www.nab.com.au/about-us/shareholder-centre)  
   * [ Careers at NAB , opens in new window ](https://careers.nab.com.au/)  
   * [ Accessibility ](https://www.nab.com.au/about-us/accessibility-inclusion)  
   * [ Sustainability ](https://www.nab.com.au/about-us/sustainability)  
   * [ News ](https://www.nab.com.au/news)  
   * [ Corporate governance ](https://www.nab.com.au/about-us/corporate-governance)
* ##  Policies and terms  
## Policies and terms  
   * [ Privacy policy ](https://www.nab.com.au/common/privacy-policy)  
   * [ Website disclaimer ](https://www.nab.com.au/common/website-disclaimer)  
   * [ Important information ](https://www.nab.com.au/important-information)  
   * [ Modern slavery statement ](https://www.nab.com.au/about-us/sustainability/reporting-policies-approach/performance-reporting#modern-slavery-statement)  
   * [ Financial Services Guide ](https://www.nab.com.au/financial-services-guide)  
   * [ Banking Code of Practice ](https://www.nab.com.au/about-us/corporate-governance/banking-code-of-practice)  
   * [ Sitemap ](https://www.nab.com.au/sitemap)
* ##  Connect with us  
## Connect with us  
   * [ LinkedIn , opens in new window ](https://www.linkedin.com/company/national-australia-bank)  
   * [ Facebook , opens in new window ](https://www.facebook.com/NAB)  
   * [ Instagram , opens in new window ](https://www.instagram.com/nab/)  
   * [ YouTube , opens in new window ](https://www.youtube.com/user/nab)  
   * [ X , opens in new window ](https://x.com/NAB)  
   * [ TikTok , opens in new window ](https://www.tiktok.com/@nab)

NAB acknowledges the Traditional Owners of the land as Australia’s First Peoples and recognises their continuing connection to lands, water and country. We pay our respects to Elders past and present.

Any advice on our website has been prepared without considering your objectives, financial situation or needs. Before acting on any advice, consider whether it is appropriate for your circumstances and view the Product Disclosure Statement or Terms and Conditions available online or by contacting us. Credit applications are subject to credit assessment criteria. Interest rates, fees and charges are subject to change. Target Market Determinations for our products are available at [nab.com.au/TMD](https://www.nab.com.au/important-information/target-market-determinations). Products issued by NAB unless stated otherwise.

© National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686

---

# Source: https://www.nab.com.au/personal/interest-rates-fees-and-charges/indicator-rates-for-other-personal-lending

Indicator rates for other personal lending products - NAB

[Skip to login](#login) [Skip to main content](#main-content) 

## Latest offers

[ Personal ](https://www.nab.com.au/personal/credit-cards/offers) 

[ Business ](https://www.nab.com.au/business/offers) 

[ Main menu ](#) 

[  ](https://www.nab.com.au/content/nabrwd/en) 

 Search nab.com.au 

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Login 

Internet Banking 

[ Login ](https://ib.nab.com.au/login) 

#  Indicator rates for other personal lending products 

See our current interest rates on our personal lending products.

Rates effective as of Thursday, 8 October 2026.

## Contents

If you know which product you'd like to check the rate for, you can click on the corresponding link below.

* [Credit cards](#cc)
* [Personal loans (unsecured)](#pl)
* [Investment lending (formerly margin lending)](#investlend)
* [Personal base rate](#perbaserate)
* [Personal overdrafts](#persoverdfts)
* [Products no longer for sale](#notforsale)

## Credit cards  

The table below shows our current [credit card](https://www.nab.com.au/personal/credit-cards) interest rates.

## Personal loans (unsecured)

This table shows our current [personal loan](https://www.nab.com.au/personal/personal-loans) interest rates.

$250 application fee waiver valid for applications started from 8 October 2026 to 3 December 2026 and completed within 30 days of commencing - subject to credit approval and eligibility criteria. Terms, conditions, fees and charges apply.

###  Personal loan indicator rates 

This table displays our current variable indicator rates - these are used to calculate our variable interest rates. The variable interest rate for a NAB Personal Loan will either be the indicator rate or the indicator rate plus or less a margin.

## Investment lending (formerly margin lending)

You can read more about [investment lending](https://www.nab.com.au/personal/trading-investments/investment-lending), including how it works, and the current interest rates.

## Personal base rate

| Base rate | 8.77% p.a. |
| --------- | ---------- |

## Personal overdrafts

| NAB Personal Overdraft   | 12.77% p.a. |
| ------------------------ | ----------- |
| NAB Overdraft Protection | 12.77% p.a. |

## Products no longer for sale

The tables below show the interest rates for products we no longer sell.

###  Credit cards 

##  Get in touch 

###  Customer Support Tool 

Solve problems quickly online with our easy-to-follow guides. Simply select a topic and we’ll direct you to the information you need.

[ Customer Support Tool ](https://www.nab.com.au/help-support/customer-support-tool) 

###  Contact us 

Explore our personal banking contact information and get support with a wide range of products, services and topics.

[ View all personal banking contacts ](https://www.nab.com.au/contact-us/personal) 

###  Visit a NAB branch 

Visit us in person at your nearest NAB branch or business banking centre.

[ Find a NAB branch ](https://www.nab.com.au/locations) 

## Important Information 

### Terms and Conditions

 Apologies but the Important Information section you are trying to view is not displaying properly at the moment. Please refresh the page or try again later.

Target Market Determinations for these products are available at [nab.com.au/TMD](https://www.nab.com.au/important-information/target-market-determinations).

[  Top](#) 

* ##  Quick links  
## Quick links  
   * [ Security and fraud ](https://www.nab.com.au/about-us/security)  
   * [ Contact us ](https://www.nab.com.au/contact-us)  
   * [ Financial assistance ](https://www.nab.com.au/help-support/financial-hardship)  
   * [ Feedback and complaints ](https://www.nab.com.au/contact-us/feedback)  
   * [ Find a branch ](https://www.nab.com.au/locations)  
   * [ Interpreter services ](https://www.nab.com.au/about-us/accessibility-inclusion/interpreter-services)
* ##  About us  
## About us  
   * [ About NAB ](https://www.nab.com.au/about-us)  
   * [ Shareholder Centre ](https://www.nab.com.au/about-us/shareholder-centre)  
   * [ Careers at NAB , opens in new window ](https://careers.nab.com.au/)  
   * [ Accessibility ](https://www.nab.com.au/about-us/accessibility-inclusion)  
   * [ Sustainability ](https://www.nab.com.au/about-us/sustainability)  
   * [ News ](https://www.nab.com.au/news)  
   * [ Corporate governance ](https://www.nab.com.au/about-us/corporate-governance)
* ##  Policies and terms  
## Policies and terms  
   * [ Privacy policy ](https://www.nab.com.au/common/privacy-policy)  
   * [ Website disclaimer ](https://www.nab.com.au/common/website-disclaimer)  
   * [ Important information ](https://www.nab.com.au/important-information)  
   * [ Modern slavery statement ](https://www.nab.com.au/about-us/sustainability/reporting-policies-approach/performance-reporting#modern-slavery-statement)  
   * [ Financial Services Guide ](https://www.nab.com.au/financial-services-guide)  
   * [ Banking Code of Practice ](https://www.nab.com.au/about-us/corporate-governance/banking-code-of-practice)  
   * [ Sitemap ](https://www.nab.com.au/sitemap)
* ##  Connect with us  
## Connect with us  
   * [ LinkedIn , opens in new window ](https://www.linkedin.com/company/national-australia-bank)  
   * [ Facebook , opens in new window ](https://www.facebook.com/NAB)  
   * [ Instagram , opens in new window ](https://www.instagram.com/nab/)  
   * [ YouTube , opens in new window ](https://www.youtube.com/user/nab)  
   * [ X , opens in new window ](https://x.com/NAB)  
   * [ TikTok , opens in new window ](https://www.tiktok.com/@nab)

NAB acknowledges the Traditional Owners of the land as Australia’s First Peoples and recognises their continuing connection to lands, water and country. We pay our respects to Elders past and present.

Any advice on our website has been prepared without considering your objectives, financial situation or needs. Before acting on any advice, consider whether it is appropriate for your circumstances and view the Product Disclosure Statement or Terms and Conditions available online or by contacting us. Credit applications are subject to credit assessment criteria. Interest rates, fees and charges are subject to change. Target Market Determinations for our products are available at [nab.com.au/TMD](https://www.nab.com.au/important-information/target-market-determinations). Products issued by NAB unless stated otherwise.

© National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686

---

# Source: https://www.plazapremiumlounge.com/PlazaPremiumLounge/media/PPLMedia/Promotions/nab.pdf

This lounge directory is maintained by Plaza Premium Group. Please check the latest lounge information before travelling, as lounge locations, operating hours,
participating lounges and access arrangements are subject to change without notice. 
Last updated 28 September 2026 
1 
Plaza Premium Lounge Directory for eligible NAB Rewards Travel Credit Cardholders 
(A)   List of Plaza Premium Lounges in Australia with complimentary 3-hour lounge use entitlement. 
Country   City   Airport   Lounge Name   Location 
Australia   Adelaide   Adelaide Airport   Plaza Premium Lounge   Level 2 (Near Gate 16), Domestic Departures,
Terminal 1, Adelaide Airport 
Australia   Adelaide   Adelaide Airport   Plaza Premium Lounge   Level 1, International Departures Terminal 1 
Australia   Brisbane   Brisbane Airport   Plaza Premium Lounge 
Level 3, International Terminal, Brisbane Airport (near
Gate 77) 
Temporarily Closed from 18 Oct 2026 for renovation.
Alternative is   – 
Windmill Café between Gates 80-81 
Australia   Melbourne   Melbourne Airport   Plaza Premium Lounge   International Departures, Terminal 2, Melbourne
Airport (near Gate 9) 
Australia   Sydney   Sydney Airport   Plaza Premium Lounge   Ground Floor, Arrivals B, Terminal 1, Sydney Airport
(outside restricted area) 
Australia   Sydney   Sydney Airport   Plaza Premium Lounge   International Departures, Opposite Gate 25-26,
Sydney International Airport (T1) 
(B)   List of Plaza Premium Lounges with complimentary 3-hour lounge use entitlement. 
Country   City   Airport   Lounge Name   Location 
Brazil   Rio de Janeiro   Rio de Janeiro RIOgaleão   –   Tom
Jobim International Airport   Plaza Premium Lounge   Level 1, Domestic Departures, Terminal 2 
Brazil   Rio de Janeiro   Rio de Janeiro RIOgaleão   –   Tom
Jobim International Airport   Plaza Premium Lounge   Level 2, Carpark Building, Terminal 2 
Brazil   Rio de Janeiro   Rio de Janeiro RIOgaleão   –   Tom
Jobim International Airport   Plaza Premium Lounge   South Pier, International Departures, Terminal 2 
Brazil   São Paulo   São Paulo - Guarulhos
International Airport   Plaza Premium Lounge   Near Gate 209 - 224, Terminal 2, Domestic Departure 
Brazil   São Paulo   São Paulo - Guarulhos
International Airport   Plaza Premium Lounge   Public area of Terminal 2, near check-in counter D,
Domestic Departure 
Cambodia   Kandal   Techo International Airport   Plaza Premium Lounge 
H1, Level 3, Mezzanine Floor, International
Departures 
Canada   Edmonton   Edmonton International
Airport 
Plaza Premium Lounge (Non-
US Departures) 
International/ Domestic Departures, Edmonton
International Airport, near Gate 52 
Canada   Edmonton   Edmonton International
Airport 
Plaza Premium Lounge (US
Departures) 
US Transborder Departures, Edmonton International
Airport, near Gate 88

This lounge directory is maintained by Plaza Premium Group. Please check the latest lounge information before travelling, as lounge locations, operating hours,
participating lounges and access arrangements are subject to change without notice. 
Last updated 28 September 2026 
2 
Canada   Montreal   Montréal-Pierre Elliott Trudeau
International Airport 
Air France Lounge operated by
Plaza Premium Group 
Near Gate 57, International concourse, Montréal–
Pierre Elliott Trudeau International Airport 
Canada   Toronto   Toronto Pearson International
Airport   Plaza Premium Lounge   Level 3, Domestic Departures, Terminal 1, Toronto
Pearson International Airport, Right After Security 
Canada 
Toronto   Toronto Pearson International
Airport   Plaza Premium Lounge   Domestic Departures, Terminal 3, Toronto Pearson
International Airport, Between Gates B22 & B24 
Canada   Toronto   Toronto Pearson International
Airport   Plaza Premium Lounge   International Departures, Terminal 3, AT Level, via
Gate C32 
Canada   Toronto   Toronto Pearson International
Airport   Plaza Premium Lounge   International Departures, Terminal 3, AT Level, via
Gate C32 
Canada   Toronto   Toronto Pearson International
Airport   Plaza Premium Lounge 
USA Departures, Terminal 3, Toronto Pearson
International Airport (T Level, elevator access after
Duty Free Stores) 
Canada   Toronto   Toronto Pearson International
Airport   Plaza Premium Lounge   Terminal 1, US Departures, Toronto Pearson
International Airport (near Gate F53 & F55) 
Canada   Vancouver   Vancouver International Airport   Plaza Premium Lounge   Level 3, Domestic Departure Terminal, Vancouver
International Airport, near Gate B15 
Canada   Vancouver   Vancouver International Airport   Plaza Premium Lounge   Level 3, Domestic Departures, Pier C, Vancouver
International Airport, near Gate C29 
Canada   Vancouver   Vancouver International Airport   Plaza Premium Lounge   Level 4, International Departures Pier D, Vancouver
International Airport (between Gate D67 and D68) 
Canada   Vancouver   Vancouver International Airport   Plaza Premium Lounge   Level 3, Transborder Departures, Vancouver
International Airport (Near Gate E88) 
Canada   Winnipeg   Winnipeg James Armstrong
Richardson International Airport   Plaza Premium Lounge   Departures Level, Winnipeg James Armstrong
Richardson International Airport, Opposite Gate 5 
Canada   Vancouver   Vancouver International Airport   Plaza Premium Lounge   Level 3, Domestic Departure Terminal, Vancouver
International Airport, near Gate B15 
Canada   Vancouver   Vancouver International Airport   Plaza Premium Lounge   Level 3, Domestic Departures, Pier C, Vancouver
International Airport, near Gate C29 
Canada   Vancouver   Vancouver International Airport   Plaza Premium Lounge   Level 4, International Departures Pier D, Vancouver
International Airport (between Gate D67 and D68) 
Canada   Vancouver   Vancouver International Airport   Plaza Premium Lounge   Level 3, Transborder Departures, Vancouver
International Airport (Near Gate E88) 
Canada   Winnipeg   Winnipeg James Armstrong
Richardson International Airport   Plaza Premium Lounge   Departures Level, Winnipeg James Armstrong
Richardson International Airport, Opposite Gate 5

This lounge directory is maintained by Plaza Premium Group. Please check the latest lounge information before travelling, as lounge locations, operating hours,
participating lounges and access arrangements are subject to change without notice. 
Last updated 28 September 2026 
3 
China   Chongqing   Chongqing Jiangbei
International Airport 
Plaza Premium Lounge
(Departures) 
Level 5 Departures, Behind 3C Check-in Counter,
Terminal T3A, Chongqing Jiangbei International
Airport 
China   Chongqing   Chongqing Jiangbei
International Airport   Plaza Premium Lounge (Pier E)   Terminal T3A, Pier E, Opposite to Gate E09,
Chongqing Jiangbei International Airport 
China   Chongqing   Chongqing Jiangbei
International Airport 
Plaza Premium Lounge (Pier
H) 
Terminal T3A, Pier H, Opposite to Gates H02-04,
Chongqing Jiangbei International Airport 
China   Shanghai   Shanghai Pudong International
Airport   The Hub   Level 7, Terminal 2, The Hub, Shanghai Pudong
International Airport, China 
Ethiopia   Addis Ababa   Addis Ababa Bole International
Airport   Plaza Premium Lounge   After security, Terminal 2, International Departures,
Addis Ababa Bole International Airport 
Finland   Helsinki   Helsinki-Vantaa Airport   Plaza Premium Lounge   Mezzanine Level, Non-Schengen Area, Helsinki
International Airport (Close to Gate 40) 
Hong Kong   Hong Kong   Hong Kong International Airport   Plaza Premium Lounge   Level 6, Departures Level, Terminal 1, Hong Kong
International Airport (near Gate 1) 
Hong Kong   Hong Kong   Hong Kong International Airport   Plaza Premium Lounge   Level 6, Departures Level, Terminal 1, Hong Kong
International Airport (near Gate 35) 
Hong Kong   Hong Kong   Hong Kong International Airport   Plaza Premium Lounge   Level 7, Departures Level, Terminal 1, Hong Kong
International Airport (near Gate 60) 
Hungary   Budapest   Budapest Airport   Plaza Premium Lounge 
Non-Schengen Area, Departures, Mezzanine floor,
Terminal 2B , Budapest Ferenc Liszt International
Airport 
Indonesia   Jakarta   Soekarno-Hatta International
Airport 
Saphire - Plaza Premium
Lounge 
International Departure, Terminal 3, Level 2 (near
Gate 6), Soekarno-Hatta International Airport,
Jakarta, Indonesia 
Indonesia   Medan   Kualanamu International Airport   Plaza Premium Lounge   Mezzanine Level (PMD 01), Departure Level (Near Gate
9), Kualanamu International Airport, Indonesia 
Italy   Rome   Leonardo da Vinci International
Airport   Plaza Premium Lounge   Terminal 1 Departures Schengen Area, Rome
Fiumicino Leonardo da Vinci Airport 
Italy   Rome   Leonardo da Vinci International
Airport   Plaza Premium Lounge 
Area E (Upper Level), Terminal 3 Extra Schengen
Departures, Rome Fiumicino Leonardo da Vinci
Airport 
Japan   Nagoya   Chubu Centrair International
Airport   Plaza Premium Lounge   Next to Gate 18, 2/F, Terminal 1, International
Departures, Chubu Centrair International Airport 
Jordan   Amman   Queen Alia International Airport   Plaza Premium Lounge 
Main Terminal, Departures, Near Duty Free area,
Mezzanine Floor, Queen Alia International Airport,
Jordan 
Kenya   Nairobi   Jomo Kenyatta International
Airport   Plaza Premium Lounge   Next to Gate 4, Level 2, Terminal 1C, Nairobi Jomo
Kenyatta International Airport

This lounge directory is maintained by Plaza Premium Group. Please check the latest lounge information before travelling, as lounge locations, operating hours,
participating lounges and access arrangements are subject to change without notice. 
Last updated 28 September 2026 
4 
Macau   Macau   Macau International Airport   Plaza Premium Lounge   Mezzanine Airside Level, Macau International Airport
(Use the escalator opposite Gate 9/9A) 
Malaysia   Johor Bahru   Johor Bahru Senai International
Airport   Plaza Premium Lounge   Lot FF3-FF4 and FF5-FF6 (Near Gate 2), Terminal First
Floor, Senai International Airport 
Malaysia   Kuala Lumpur   Kuala Lumpur International
Airport   Plaza Premium Lounge   International Departure Terminal 1, Level 2 (near Gate
G) Kuala Lumpur International Airport, Malaysia 
Malaysia   Kuala Lumpur   Kuala Lumpur International
Airport   Plaza Premium Lounge   Level 2M, gateway@klia2 (next to Aerotel KL), Kuala
Lumpur International Airport Terminal 2 
Malaysia   Langkawi   Langkawi International 
Airport   Plaza Premium Lounge   L1 L16, L1 L20 & L1 L21, Level 1, Arrival Hall, Public
Concourse (Landside), Langkawi International Airport 
Malaysia   Penang   Penang International Airport   Plaza Premium Lounge   Level 2, Domestic Departure, Penang International
Airport (L2A S14 & L2A S14A) 
Malaysia   Penang   Penang International Airport   Plaza Premium Lounge   Mezzanine Floor, International Departure, Penang
International Airport (near Gate A3) 
Philippines   Cebu   Mactan-Cebu International 
Airport   Plaza Premium Lounge 
Level 1, International, Pre Departure, Terminal 2,
Mactan Cebu International Airport. (please take the
lift opposite to Gate 20) 
Philippines   Cebu   Mactan-Cebu International 
Airport   Plaza Premium Lounge   Departure Level, Terminal 1, Mactan Cebu
International Airport 
Philippines   Clark   Clark International Airport   Plaza Premium Lounge 
Level 3, Airside Transit Area, Departure Hall, Terminal
2, Clark International Airport, Mabalacat Pampanga,
Philippines 
Saudi
Arabia   Al Wajh   Al Wajh Domestic Airport   Plaza Premium Lounge 
Next to boarding gate No.2, Domestic Departure, Al
Wajh Domestic Airport, Tabuk Province, Al Wajh,
Saudi Arabia 
Saudi
Arabia   Dammam   King Fahd International Airport   Plaza Premium Lounge   Departure Level (Within Airport Restricted Area), King
Fahd International Airport, Dammam, Saudi Arabia 
Saudi
Arabia   Jeddah   King Abdulaziz International
Airport   Plaza Premium Lounge   Near Gate 39, Terminal 1, International Departures,
King Abdul Aziz Airport 
Saudi
Arabia   Riyadh   King Khalid International Airport   Plaza Premium Lounge 
Terminal 1, International Departures, Mezzanine
Floor, Near Gate #108, King Khalid International
Airport, Riyadh 
Singapore   Singapore   Singapore Changi Airport   BLOSSOM - SATS & Plaza
Premium Lounge 
Level 2 Mezzanine, Departure/Transit Lounge,
Terminal 4, Singapore Changi Airport 
Singapore   Singapore   Singapore Changi Airport   Plaza Premium Lounge   Level 3, Departure/Transit Lounge West, Terminal 1,
Singapore Changi Airport 
Spain   Madrid   Adolfo Suárez Madrid–Barajas
Airport   The Hub   Floor -1 Terminal T4 (Landside), Adolfo Suárez
Madrid–Barajas Airport

This lounge directory is maintained by Plaza Premium Group. Please check the latest lounge information before travelling, as lounge locations, operating hours,
participating lounges and access arrangements are subject to change without notice. 
Last updated 28 September 2026 
5 
Taiwan   Taipei   Taipei Songshan Airport   Plaza Premium Lounge   3/F of Airside, Departure Floor, Terminal 1
(International Terminal), Taipei Songshan Airport 
Taiwan   Taipei   Taiwan Taoyuan International
Airport   Plaza Premium Lounge   4/F, Terminal 2, Departure Hall, Taiwan Taoyuan
International Airport 
Taiwan   Taipei   Taiwan Taoyuan International
Airport   Plaza Premium Lounge   4/F, Terminal 2, Departure Hall, Taiwan Taoyuan
International Airport 
Taiwan   Taipei   Taiwan Taoyuan International
Airport   Plaza Premium Lounge   4/F, Terminal 1 Departure Hall, Taiwan Taoyuan
International Airport 
Taiwan   Taipei   Taiwan Taoyuan International
Airport   Plaza Premium Lounge   4/F, Terminal 1 Departure Hall, Taiwan Taoyuan
International Airport 
Thailand   Bangkok   Suvarnabhumi Airport   Plaza Premium Lounge   Concourse G, International Departure, Suvarnabhumi
Airport 
Turkey   Istanbul   Istanbul Sabiha Gokcen
International Airport   Plaza Premium Lounge   Domestic Departures Level, Mezzanine Floor, Istanbul
Sabiha Gökçen International Airport, Istanbul, Turkey 
Turkey   Istanbul   Istanbul Sabiha Gokcen
International Airport 
Plaza Premium Lounge
(Marmara ) 
International Departure Level, Istanbul Sabiha
Gökçen International Airport, Istanbul, Turkey (Near
Boarding Gate 204) 
Turkey   Istanbul   Istanbul Sabiha Gokcen
International Airport 
Plaza Premium Lounge
(Marmara) 
International Departure Level, Istanbul Sabiha
Gökçen International Airport, Istanbul, Turkey (Near
Boarding Gate 205-B) 
United
Arab
Emirates 
Dubai   Dubai International Airport   Plaza Premium Lounge   Concourse A, West Wing, Between Gates A2 & A3,
Terminal 3, Dubai International Airport 
United
Kingdom   Gatwick   London Gatwick Airport   Plaza Express   4th Floor, North Terminal Departures (near gates 45-
55 and 101-103), London Gatwick Airport 
United
Kingdom   Gatwick   London Gatwick Airport   Plaza Premium Lounge   North Terminal Departures (near gates 45-55 and 101-
103), London Gatwick Airport 
United
Kingdom   London   London Heathrow Airport   Blush Lounge by Plaza
Premium Group 
Level 2, Terminal 4 Departures, London Heathrow
Airport (Near Gate 2) 
United
Kingdom   London   London Heathrow Airport   Plaza Premium Lounge   Level 4, Terminal 2 Departures, London Heathrow
Airport (Next to the terminal transfer area) 
United
Kingdom   London   London Heathrow Airport   Plaza Premium Lounge   Ground Floor (Near Taxi Ranks), Terminal 3 Arrivals,
London Heathrow Airport 
United
Kingdom   London   London Heathrow Airport   Plaza Premium Lounge   Level 2, Terminal 4 Departures, London Heathrow
Airport (Opposite Gate 10a and 10b) 
United
Kingdom   London   London Heathrow Airport   Plaza Premium Lounge   Level 2, Terminal 5 Departures, London Heathrow
Airport (Next to Gate A7)

This lounge directory is maintained by Plaza Premium Group. Please check the latest lounge information before travelling, as lounge locations, operating hours,
participating lounges and access arrangements are subject to change without notice. 
Last updated 28 September 2026 
6 
United
States   Dallas Fort Worth   Dallas Fort Worth International
Airport   Plaza Premium Lounge   Terminal E, near Gate E31, DFW Airport 
United
States   Dallas Fort Worth   Dallas Fort Worth International
Airport   Plaza Premium Lounge 
International Departures, Terminal D, Level 2
Opposite Gate 15, Dallas Fort Worth International
Airport, United States 
United
States   Orlando   Orlando International Airport   Plaza Premium Lounge   Across the Palm Court, Level 1 Lobby, Level 2 Lounge,
Terminal C, Orlando International Airport 
(C)   List of Plaza Premium Affiliated Lounges with complimentary 2-hour lounge use entitlement 
Country   City   Airport   Lounge Name   Location 
Africa   Madagascar   Ivato International
Airport   Primeclass Lounge   International Departure,   Terminal C, After Passport
Control,Ivato International Airport,Antananarivo,Madagascar 
Bangladesh   Cox's Bazar   Cox's Bazar Airport   UCB Lounge   1st Floor, Domestic Departure, Cox's Bazar Airport 
Bangladesh   Dhaka   Hazrat Shahjalal
International Airport   Maslin Lounge 
Airside, International Departure,3rd floor, Nearby Gate 7,
Hazrat Shahjalal International Airport (HSIA), Bangladesh,
Dhaka 
Bangladesh   Dhaka   Hazrat Shahjalal
International Airport 
MTB Air Lounge Account
Holders 
Airside, International Departure, 3rd floor, Nearby Gate 7,
Hazrat Shahjalal International Airport (HSIA),Bangladesh,
Dhaka 
Bangladesh   Dhaka   Hazrat Shahjalal
International Airport   UCB Lounge   Airside, 1 st floor (beside elevator), International Terminal 2,
Hazrat Shahjalal International Airport, Dhaka 
Bangladesh   Sylhet   Osmani International
Airport   UCB Lounge   Airside, Domestic Departure (after security check),Osmani
International Airport, Sylhet 
Bermuda   Hamilton   L.F. Wade International
Airport   Primeclass Lounge   Airside Domestic,After Security Control- Domestic Teminal,
L.F. Wade International Airport 
Bermuda   Hamilton   L.F. Wade International
Airport   Primeclass Lounge   Airside International Departure,After Security Control-
International Terminal, L.F. Wade International Airport 
Botswana   Gaborone   Sir Seretse Khama
International Airport   Nthula Lounge   Airside,Domestic Departure,Mezzanine Floor,Nearby Gate 1,Sir
Seretse Khama International Airport,Gaborone,Botswana 
Botswana   Gaborone   Sir Seretse Khama
International Airport   Nthula Lounge   Airside,International Departure,Nearby Gate 1,Sir Seretse
Khama International Airport,Gaborone,Botswana 
Botswana   Kasane   Kasane International
Airport   Nthula Lounge   Airside, International Departure,Nearby Gate 1, Kasane
International Airport, Kasane,Botswana 
Botswana   Kasane   Kasane International
Airport   Nthula Lounge   Airside, Domestic Departure,Mezzanine floor,Nearby Gate
1,Kasane International Airport, Kasane,Botswana 
Botswana   Maun   Maun International
Airport   Nthula Lounge   Landside, Main Terminal,Mezzanin floor, Nearby Gate 1, Maun
International Airport, Maun, Botswana

This lounge directory is maintained by Plaza Premium Group. Please check the latest lounge information before travelling, as lounge locations, operating hours,
participating lounges and access arrangements are subject to change without notice. 
Last updated 28 September 2026 
7 
China   Beijing   Beijing Capital
International Airport   JOY Lounge   International Departure, Terminal 3E, Opposite Gate E10,
Beijing Capital International Airport, China 
China   Beijing   Beijing Capital
International Airport   V2 China Eastern Lounge 2   Airside, Domestic Departure, Terminal 2, Beijing Capital
International Airport, China 
China   Beijing   Beijing Daxing
International Airport   BCS Domestic Lounge   Domestic Departure, Main Terminal, 3/F, Floating Island, Near
Pier C, Beijing Daxing International Airport, China 
China   Beijing   Beijing Daxing
International Airport   BCS International Lounge   International Departure, Main Terminal, 4/F,Floating Island,
Near Gate E95, Beijing Daxing International Airport, China 
China   Beijing   Beijing Daxing
International Airport 
China Southern
First/Business Class 
Lounge 
Airside, International Departure, Level 4, Beijing Daxing
International Airport, China 
China   Beijing   Beijing Daxing
International Airport   China Southern Lounge   Airside, Domestic Departure, Level 3, Beijing Daxing
International Airport, China 
China   Beijing   Beijing Daxing
International Airport 
China Southern Skypearl
Lounge 
Airside, Domestic Departure, Level 2, Beijing Daxing
International Airport, China 
China   Beijing   Beijing Daxing
International Airport   Chum Lounge   Domestic Departure, Main Terminal, 2/F, Near Gate B20,
Beijing Daxing International Airport, China 
China   Beijing   Beijing Daxing
International Airport 
CITS Lounge- BJ
(International) 
International Departure, Main Terminal, 3/F, Near Gate E80,
Beijing Daxing International Airport, China 
China   Beijing   Beijing Daxing
International Airport 
East Pacific Passenger
Lounge 
International Departure, Terminal 1, 3/F, S-B03-029, Nearby
Gate 1, Beijing Daxing International Airport, China 
China   Beijing   Beijing Daxing
International Airport 
V3 China Eastern Lounge
(Domestic Departure) 
Airside, Domestic, Terminal C, Beijing Daxing International
Airpot, China 
China   Beijing   Beijing North Railway
Station 
YUETU - VAP - Railway VIP
Lounge   Beijing North Railway Station 
China   Beijing   Beijing Railway Station   YUETU - BJP - Railway VIP
Lounge   Beijing Railway Station 
China   Cangzhou   Cangzhou West
Railway Station 
YUETU - CBP - Railway VIP
Lounge   Cangzhou West Railway Station 
China   Changchun 
Changchun Longjia
International Airport 
China Southern
First/Business Class 
Lounge 
Airside, Domestic Departure, Terminal 2, Near Boarding Gate
13, Changchun Longjia International Airport 
China   Changchun 
Changchun Longjia
International Airport 
China Southern Skypearl
Lounge 
Airside, Domestic Departure, Terminal 2, nearby Gate 12,
Changchun Longjia International Airport 
China   Changchun   Changchun Railway
Station 
YUETU - CCT - Railway VIP
Lounge   Changchun Railway Station

This lounge directory is maintained by Plaza Premium Group. Please check the latest lounge information before travelling, as lounge locations, operating hours,
participating lounges and access arrangements are subject to change without notice. 
Last updated 28 September 2026 
8 
China   Changchun   Changchun West
Railway Station 
YUETU - CRT - Railway VIP
Lounge   Changchun West Railway Station 
China   Changsha   Changsha Huanghua
International Airport 
China Southern
First/Business Class Lounge 
Airside, Terminal 2, Domestic Departures, Near Boarding Gate
28, Changsha Huanghua International Airport, China 
China   Changsha   Changsha Huanghua
International Airport 
China Southern Skypearl
Lounge 
Near Gate No.38, Terminal 2, Changsha Huanghua
International Airport, China 
China   Changsha   Changsha Huanghua
International Airport   Xiamen Airlines VIP Center   No. 318 Airport Avenue, Changsha Huanghua International
Airport, China 
China   Chengdu   Chengdu Shuangliu
International Airport   China Eastern Lounge 2   Airside, Domestic Departure, Terminal 2, nearby gate 139,
Chengdu Shuangliu International Airport, China 
China   Chengdu   Chengdu Tianfu
International Airport   V2 China Eastern Lounge 2   Airside, Domestic Departure, Terminal 2, Level L2, Chengdu
Tianfu International Airport, China 
China   Chongqing   Chongqing Jiangbei
International Airport 
China Southern
First/Business Class 
Lounge 
Airside, Domestic Departure, Entrance of Concourse G after
security check, Terminal 3, Chongqing Jiangbei International
Airport, China 
China   Chongqing   Chongqing Jiangbei
International Airport 
China Southern
Gold/Silver/Elite Plus 
Lounge 
Airside, Domestic Departure, Entrance of Concourse G after
security check, Terminal 3. Chongqing Jiangbei International
Airport, China 
China   Chongqing   Wanzhou North
Railway Station 
YUETU - WZE - Railway VIP
Lounge   Wanzhou North Railway Station 
China   Dali   Dali Fengyi Airport   Best First/Business Class
Lounge (Domestic Departure) 
Landside, Domestic Departure,Terminal building, Opposite to
Parking Lot of Airport,Dali Fengyi Airport,Dali, China 
China   Dalian   Dalian North Railway
Station 
YUETU - DFT - Railway VIP
Lounge   Dalian North Railway Station 
China   Dalian   Dalian Zhoushuizi
International Airport 
China Southern
First/Business Class Lounge 
Airside, Domestic Departures, Terminal 1, Elevator up near
gates 15 & 14, or elevator up near gate 12, Terminal 1, Dalian
Zhoushuizi International Airport, 15   号与   14   号登机口附近电 
梯上行或   12   号登机口附近电梯上行 
China   Dalian   Dalian Zhoushuizi
International Airport 
China Southern
Gold/Silver/Elite Plus Lounge 
Airside, Domestic, near Gate 12, Dalian Zhoushuizi
International Airport, China 
China   Dalian   Dalian Zhoushuizi
International Airport 
China Southern
Gold/Silver/Elite Plus Lounge 
Airside,International Departures, Oppsite Boarding Gate 23,
Terminal 1, Dalian Zhoushuizi International Airport, China 
China   Guangzhou   Guangzhou Baiyun
International Airport 
China Sourthern Skypearl
Lounge 
Airside, Domestic Departure, Terminal 2, Guangzhou Baiyun
International Airport, China 
China   Guangzhou   Guangzhou Baiyun
International Airport 
China Sourthern Skypearl
Lounge 
Airside, International Departure, Terminal 2, Guangzhou
Baiyun International Airport, China 
China   Guangzhou   Guangzhou Baiyun
International Airport 
China Southern
First/Business Class Lounge 
Airside, Domestic Departure, Terminal 2, Nearby Gate 1,
Guangzhou Baiyun International Airport

This lounge directory is maintained by Plaza Premium Group. Please check the latest lounge information before travelling, as lounge locations, operating hours,
participating lounges and access arrangements are subject to change without notice. 
Last updated 28 September 2026 
9 
China   Guangzhou   Guangzhou Baiyun
International Airport 
China Southern
First/Business Class Lounge 
Airside, International Departure, Terminal 2, Guangzhou
Baiyun International Airport, China 
China   Guangzhou   Guangzhou Baiyun
International Airport 
China Southern VIP Lounge
T2 -1 
Opposite the C17 check-in counter, Terminal 2, Guangzhou
Baiyun International Airport 
China   Guiyang   Guiyang Longdongbao
International Airport 
China Southern
First/Business Class Lounge 
Airside, Domestic Departure, Terminal 3, Nearby Gate 407,
Guiyang Longdongbao International Airport, China 
China   Guiyang   Guiyang Longdongbao
International Airport 
China Southern Skypearl
Lounge 
Airside, Domestic Departure 407#, Terminal 3, Guiyang
Longdongbao International Airport, China 
China   Guiyang   Guiyang North Railway
Station 
YUETU - KQW - Railway VIP
Lounge   Guiyang North Railway Station 
China   Haikou   Haikou Meilan
International Airport 
China Southern Skypearl
Lounge 
Airside,Domestic Departures, Near Boarding Gate 32, Terminal
2, Haikou Meilan International Airport, China 
China   Hangzhou   Hangzhou East Railway
Station 
YUETU - HGH - Railway VIP
Lounge 
Hangzhou East Railway Station- behind boarding gates 10A &
11A on the Departures Level 
China   Hangzhou   Hangzhou Xiaoshan
International Airport   VIP Lounge 16   Domestic Terminal 4, on the left side after security check,
Hangzhou Xiaoshan International Airport, China 
China   Hangzhou   Hangzhou Xiaoshan
International Airport   VIP No. 6 Lounge   Domestic Terminal T3, Opposite to gate B23, Hangzhou
International Airport 
China   Hefei   Hefei Xinqiao
International Airport   No. 2 China Eastern Lounge 2   Airside, Domestic Departure, Terminal 1, nearby Gate 12, Hefei
Xinqiao International Airport, China 
China   Jieyang   Jieyang Chaoshan
International Airport 
China Southern Skypearl
Lounge (First/ Business Class) 
Airside, Domestic Departure, Nearby Gate 20A, Jieyang
Chaoshan International Airport, China 
China   Jieyang   Jieyang Chaoshan
International Airport 
China Southern Skypearl
Lounge (Membership
Lounge) 
Airside, Domestic Departure, Nearby gate 20A, Jieyang
Chaoshan International Airport, China 
China   Jilin   Jilin Railway Station   YUETU - JLL - Railway VIP
Lounge   Jilin Railway Station 
China   Jinan   Jinan Yaoqiang
International Airport 
China Eastern Airlines VIP
Lounge (Domestic Departure
Hall) 2 
Airside, Domestic Departure, Nearby Gate 22, Jinan Yaoqiang
International Airport, China 
China   Jinghong   Xishuangbanna Gasa
International Airport 
Best First/Business Class
Lounge (Domestic Departure) 
Airside, Domestic Departure, Nearby Gate 10, Xishuangbanna
Gasa International Airport,Xishuangbanna, China 
China   Jinzhou   Jinzhou Jinzhouwan
Airport   VIP Lounge   Domestic Departure, Main Terminal, Near Security Check,
Jinzhou Jinzhou wan Airport, China 
China   Kunming   Kunming Changshui
International Airport 
Best No.6 VIP Lounge
(Domestic Arrival, Terminal 1) 
Domestic Departure, Terminal 1, Level 2, Near Gate 46-50&18-
33, Best No.6 VIP Lounge, Kunming Changshui International
Airport, China

This lounge directory is maintained by Plaza Premium Group. Please check the latest lounge information before travelling, as lounge locations, operating hours,
participating lounges and access arrangements are subject to change without notice. 
Last updated 28 September 2026 
10 
China   Kunming   Kunming Changshui
International Airport 
Best VIP Lounge - Zone B
(Domestic Arrival, Terminal 1) 
Domestic Departure, Outside the Terminal, left from Exit 4,
Best VlP Lounge - Zone B, Kunming Changshui International
Airport, China 
China   Kunming   Kunming Changshui
International Airport 
V5 VIP Lounge (Domestic
Departure, Main Terminal) 
Domestic Departure, Terminal 1, Kunming Changshui
International Airport, China 
China   Kunming   Kunming Changshui
International Airport   V8 China Eastern Lounge 2   Airside, Domestic Departure, Terminal 1, Kunming Changshui
International Airport, China 
China   Kunming   Kunming Changshui
International Airport 
China Southern V7 VIP
Lounge (Domestic Departure,
Terminal 1) 
Airside, Domestic Departure (After security check), Terminal 1,
Next to Gate 64&65, China 
China   Kunming   Kunming Railway
Station 
YUETU - KMM - Railway VIP
Lounge   Kunming Railway Station 
China   Langfang   Langfang Railway
Station 
YUETU - LJP - Railway VIP
Lounge   Langfang Railway Station 
China   Lanzhou   Lanzhou Zhongchuan
International Airport 
China Eastern Airlines VIP
Lounge 2 
Airside, Domestic Departure, Terminal 3, Near Gate D58,
Lanzhou Zhongchuan International Airport, China 
China   Libo   Libo Railway Station   YUETU - UBE - Railway VIP
Lounge   Libo Railway Station 
China   Lijiang   Lijiang Sanyi
International Airport 
Best VIP Lounge (Domestic
Departure) 
Landside, Domestic Departure, South Side of the First Floor of
the Terminal, Lijiang Sanyi International Airport,Lijiang,China 
China   Mangshi   Dehong Mangshi
International Airport 
Best VIP Lounge (Domestic
Departure) 
Landside, Domestic Departure,Pagoda Building,Dehong
Mangshi Airport,Dehong, China 
China   Nanjing   Nanjing South Railway
Station 
YUETU - NKH - Railway VIP
Lounge   Nanjing South Railway Station 
China   Nanjing   Nanjing Lukou
International Airport   V3 China Eastern Lounge 2   Airside, Domestic Departure, Terminal 2, Nanjing Lukou
International Airport, China 
China   Nanchang   Nanchang Changbei
International Airport   China Eastern Lounge 2   Airside, Domestic Departure, Terminal 2, Nearby Gate 217 &
216, Nanchang Changbei International Airport, China 
China   Nanning   Nanning Wuxu
International Airport 
China Southern
First/Business Class 
Lounge 
Airside, Domestic Departures, Terminal 2, nearby gate13 & 14,
Nanning Wuxu International Airport, China 
China   Nanning   Nanning Wuxu
International Airport   China Southern Pearl Lounge   Airside, Domestic Departures, 13#14#,Terminal 2, Nanning
Wuxu International Airport, China 
China   Nanyang   Nanyang Jiangying
Airport 
China Southern Skypearl
Lounge 
Airside, Domestic Departure, Terminal 2, Near Gate 2,
Nanyang Jiangying Airport, China 
China   Ningbo   Ningbo Lishe
International Airport   China Eastern Lounge 2   Airside, Domestic Departure, Terminal 2, Nearby Gate 219/220,
Ningbo Lishe International Airport, China

This lounge directory is maintained by Plaza Premium Group. Please check the latest lounge information before travelling, as lounge locations, operating hours,
participating lounges and access arrangements are subject to change without notice. 
Last updated 28 September 2026 
11 
China   Qingdao   Qingdao Jiaodong
International Airport 
Caissa VIP lounge V1
(Domestic Departure) 
Airside, Domestic Departure, 3F, Concourse A, Terminal 1,
Qingdao Jiaodong International Airport (close to boarding
gate no. 1 to 11) 
China   Qingdao   Qingdao Jiaodong
International Airport 
Caissa VIP lounge V3
(Domestic Departure) 
Airside, Domestic Departure ,Main Terminal, close to gate 36 –
41, Qingdao Jiaodong International Airport, China 
China   Qingdao   Qingdao Jiaodong
International Airport   Cassia & Dragon Pass Lounge 
Airside, Domestic Departure, Main Terminal, Near to Gate 42-
59, Cassia & DragonPass Lounge V4, Qingdao Jiaodong
International Airport, China 
China   Qingdao   Qingdao Jiaodong
International Airport 
Plaza Premium Lounge (VIP
Building, Domestic Departure
Landside 2F) 
Landside, Domestic Departure, 2F, VIP Building, Qingdao
Jiaodong International Airport 
China   Qingdao   Qingdao Jiaodong
International Airport   V5 China Eastern Lounge 2   Airside, Domestic Departure, Terminal 1, Level L4, Qingdao
Jiaodong International Airport, China 
China   Qingdao   Qingdao North Railway
Station 
YUETU - QHK - Railway VIP
Lounge   Qingdao North Railway Station 
China   Qingdao   Qingdao Railway
Station 
YUETU - QDK - Railway VIP
Lounge   Qingdao Railway Station 
China   Quanzhou   Jinjiang Airport   F/B Class VIP Lounge 
Airside, Domestic Departure, Main Terminal, 2F, Diagonally
Opposite Gate 6, Quanzhou Jinjiang International Airport,
China 
China   Quanzhou   Jinjiang Airport   F/B Class VIP Lounge   Airside, International Departure, Main Terminal, 2F, Quanzhou
Jinjiang International Airport, China 
China   Quanzhou   Jinjiang Airport   Xiamen Airlines Quanzhou
Domestic First Class Lounge 
Domestic Departure, Main Terminal, 2/F, Opposite to Gate 8,
Quanzhou Jinjiang International Airport, China 
China   Sanya   Sanya Phoenix
International Airport   China Southern Lounge   Airside, Domestic Departure, Terminal 2,Near Boarding Gate
217/ 217, Sanya Phoenix International Airport, China 
China   Shanghai   Shanghai Hongqiao
International Airport   China Southern Lounge   Airside, Domestic Departure, Terminal 2, Nearby Gate 56, 70,
71, Shanghai Hongqiao International Airport, China 
China   Shanghai   Shanghai Hongqiao
International Airport   Juneyao Air V6 VIP Lounge   Domestic Terminal T2, near Gate 38, Shanghai Hongqiao
International Airport T2 Dom Dep 
China   Shanghai   Shanghai Hongqiao
International Airport 
No.6 VIP Lounge (Domestic
Departure, Terminal 1) 
Airside, Domestic Departures, Terminal 1, Level 2, Nearby Gate
6, Shanghai Hongqiao International Airport, China 
China   Shanghai   Shanghai Hongqiao
International Airport 
V01 VIP International Lounge
(International Departures,
Terminal 1) 
Airside, International Departure, Terminal 1, Level 4,Shanghai
Hongqiao Airport, Shanghai, China 
China   Shanghai   Shanghai Hongqiao
International Airport 
V03 VIP Lounge (International
Departures,Terminal 1) 
Airside, International Departure, Terminal 1,Level 4, Shanghai
Hongqiao International Airport, China 
China   Shanghai   Shanghai Hongqiao
International Airport 
V1 VIP Lounge (Domestic
Departures, Terminal 2) 
Airside, Domestic Departure, Terminal 2, Level 3, Nearby Gate
26, Shanghai Hongqiao International Airport, China

This lounge directory is maintained by Plaza Premium Group. Please check the latest lounge information before travelling, as lounge locations, operating hours,
participating lounges and access arrangements are subject to change without notice. 
Last updated 28 September 2026 
12 
China   Shanghai   Shanghai Hongqiao
Railway Station 
YUETU - AOH - Railway VIP
Lounge   Shanghai Hongqiao Railway Station 
China   Shanghai   Shanghai Pudong
International Airport 
China Southern Lounge
(Domestic Departure) 
Airside, Domestic Departure, S2 Satellite Hall, Nearby gate
H190, Shanghai Pudong International Airport, China 
China   Shanghai   Shanghai Pudong
International Airport 
Juneyao Air No. 86 VIP 
Lounge 
Terminal 2, close to Gate C80, Shanghai Pudong International
Airport 
China   Shanghai   Shanghai Pudong
International Airport   No. 101 China Eastern Lounge   Airside, Domestic Departure, Level 5, nearby gate 101,
Shanghai Pudong International Airport, China 
China   Shanghai   Shanghai Pudong
International Airport 
No. 120 VIP Lounge
(Domestic Departure
Terminal S1) 
Airside, Domestic Departure, Satellite Terminal 1, Level 2,
nearby gate 120, Shanghai Pudong International Airport,
China 
China   Shanghai   Shanghai Pudong
International Airport 
No. 135 VIP Lounge
(International Departure
Terminal S1) 
Level 4, Close to Gate 135, International Departure, Satellite
Terminal 1, Shanghai Pudong International Airport 
China   Shanghai   Shanghai Pudong
International Airport   No. 137 China Eastern Lounge   Airside, International departure, Near Gate 137, Level 5,
Shanghai Pudong International Airport, China 
China   Shanghai   Shanghai Pudong
International Airport 
No. 170 VIP Lounge
(International Departure
Terminal S2) 
Airside, International Departure, Satellite Terminal 2 ,Level 4,
Nearby Gate 170, Shanghai Pudong International Airport,
China 
China   Shanghai   Shanghai Pudong
International Airport 
No. 190 VIP Lounge
(Domestic Departure,
Terminal 2) 
Airside, Domestic Departure, Satellite Terminal 2, Level 4,
Shanghai Pudong International Airport, China 
China   Shanghai   Shanghai Pudong
International Airport   No. 35 China Eastern Lounge   Airside, Domestic Departure, Terminal 1, Level 4, Shanghai
Pudong International Airport, China 
China   Shanghai   Shanghai Pudong
International Airport   No. 36 China Eastern Lounge   Airside, International Departure, Terminal 1, Level 4, Shanghai
Pudong International Airport, Chin 
China   Shanghai   Shanghai Pudong
International Airport 
No. 39 VIP Lounge
(International Departures,
Terminal 1) 
Airside, International Departure, Terminal 1, Level 4, Nearby
Gate 39, Shanghai Pudong International Airport, China 
China   Shanghai   Shanghai Pudong
International Airport 
No. 69 VIP Lounge
(International Departures,
Terminal 2) 
Airside, International Departures, Terminal 2, level 4, Nearby
Gate 69, Shanghai Pudong International Airport, China 
China   Shanghai   Shanghai Pudong
International Airport 
No. 73 VIP Lounge (Domestic
Departures, Terminal 2) 
Terminal 2 
Airside, Domestic Departures, Terminal 2, level 2,Nearby Gate
73, Shanghai Pudong International Airport, China 
China   Shanghai   Shanghai Pudong
International Airport 
No. 77 China Eastern Lounge
(International 
Departures, Terminal 2) 
Airside, International Departure, Terminal 2, Level 4, nearby
gate 77, 
Shanghai Pudong International Airport, Shanghai, China 
China   Shanghai   Shanghai Pudong
International Airport 
No. 9 VIP Lounge (Domestic
Departures, Terminal 1) 
Airside, Domestic Departure, Terminal 1, level 2, Nearby Gate
9, Shanghai Pudong International Airport, China 
China   Shangri-La   Diqing Shangri-La
Airport   Best VIP Lounge   Landside, Domestic Departure ,Main Terminal, 1F ,Best VIP
Lounge, Diqing Shangri-La Airport, China

This lounge directory is maintained by Plaza Premium Group. Please check the latest lounge information before travelling, as lounge locations, operating hours,
participating lounges and access arrangements are subject to change without notice. 
Last updated 28 September 2026 
13 
China   Shenyang   Shenyang South
Railway Station 
YUETU - SOT - Railway VIP
Lounge   Shenyang South Railway Station 
China   Shenyang   Shenyang Taoxian
International Airport 
China Southern
First/Business Class 
Lounge 
Airside, Domestic Departure, Gate #21, Terminal 3, Shenyang
Taoxian International Airport, China 
China   Shenyang   Shenyang Taoxian
International Airport 
China Southern
First/Business
Class/Gold/Silver Lounge 
Airside, Domestic Departure, Terminal 3, Shenyang Taoxian
International Airport, China 
China   Shenyang   Shenyang Taoxian
International Airport 
China Southern Skypearl
Lounge 
Airside, Domestic Departure, Terminal 3, Nearby Gate 21,
Shenyang Taoxian International Airport, China 
China   Shenzhen   Shenzhen Baoan
International Airport 
China Southern Guest
Lounge 
Airside, Domestic Departure, Above Boarding Gate 560,
Satellite, Shenzhen Baoan International Airport, China 
China   Shenzhen   Shenzhen Baoan
International Airport   China Southern No 2 Lounge   Airside,Domestic Departure/ Near Boarding Gate 327,
Terminal 3, Shenzhen Baoan International Airport, China 
China   Shenzhen   Shenzhen Baoan
International Airport   China Southern No 3 Lounge   Airside, Domestic Departure, Near Boarding Gate 321,
Terminal 3, Shenzhen Baoan International Airport, China 
China   Suzhou   Suzhou Railway
Station 
YUETU - SZH - Railway VIP
Lounge   Suzhou Railway Station 
China   Taiyuan   Taiyuan South Railway
Station 
YUETU - TNV - Railway VIP
Lounge   Taiyuan South Railway Station 
China   Taiyuan   Taiyuan Wusu
International Airport 
China Eastern First Class
Lounge 2 
Airside, Domestic Departure, Terminal 2, Taiyuan Wusu
International Airport, China 
China   Taizhou   Taizhou Luqiao Airport   Airlines Lounge No.1   Airside,Domestic Departure, Main Terminal, Located opposite
Gate 104, Taizhou Luqiao Airport, China. 
China   Tengchong   Tengchong Tuofeng
Airport 
Best First/Business Class
Lounge (Domestic Departure,
Terminal 2) 
Airside, Domestic Departure, Terminal 2, Nearby gate
7,Tengchong Tuofeng Airport,Tengchong, China 
China   Tianjin   Tianjin Binhai
International Airport 
Xiamen Airlines Tianjin
Domestic First Class Lounge 
Domestic Departure, Terminal 2, Opposite to Gate 230, Tianjin
Binhai International Airport, China 
China   Tianjin   Tianjin Railway Station   YUETU - TJP - Railway VIP
Lounge   Tianjin Railway Station 
China   Tianjin   Tianjin West Railway
Station 
YUETU - TXP - Railway VIP
Lounge   Tianjin West Railway Station 
China   Urumqi   Urumqi Diwopu
International Airport 
Business Traveler Lounge
(Domestic Departure) 
Airside, Domestic Departure, North Terminal, Near Gate 260,
Urumqi Tianshan International Airport, China 
China   Urumqi   Urumqi Diwopu
International Airport 
China Southern Airlines VIP
Lounge 1 
Airside, International Departure, North Terminal, After security
check, Urumqi Tianshan International Airport, China

This lounge directory is maintained by Plaza Premium Group. Please check the latest lounge information before travelling, as lounge locations, operating hours,
participating lounges and access arrangements are subject to change without notice. 
Last updated 28 September 2026 
14 
China   Urumqi   Urumqi Diwopu
International Airport 
China Southern
First/Business Class Lounge 1 
Airside, Domestic Departure, North Terminal, China Southern
First/Business Class Lounge, Urumqi Tianshan International
Airport, China 
China   Urumqi   Urumqi Diwopu
International Airport 
China Southern Pearl
Lounge 1 
Airside, Domestic Departure, North Terminal, China Southern
Membership Lounge, Urumqi Tianshan International Airport,
China 
China   Wuhan   Wuhan Hankou
Railway Station 
YUETU - HKN - Railway VIP
Lounge   Wuhan Hankou Railway Station 
China   Wuhan   Wuhan Tianhe
International Airport 
China Southern Elite Plus 
Lounge 
Airside, Domestic Departure, Terminal 3, Near Boarding Gate
36, Wuhan Tianhe International Airport, China 
China   Wuhan   Wuhan Tianhe
International Airport 
China Southern
First/Business Class Lounge 
Airside, Domestic Departure, Terminal 3, Near Boarding Gate
36, Wuhan Tianhe International Airport, China 
China   Wuhan   Wuhan Tianhe
International Airport   V4 China Eastern Lounge   Domestic Departure, Terminal 3, Nearby Gate   27 (Airside),
Wuhan Tianhe International Airport , China 
China   Wuxi   Wuxi Shuofang
International Airport   V3 China Eastern Lounge 2   Airside, Domestic Departure, Terminal 2, Level 2, nearby gate
14, Wuxi Shuofang International Airport, China 
China   Xiamen   Xiamen Gaoqi
International Airport 
First Class Lounge (Domestic
Departure, Terminal 4) 
Airside, Domestic Departure, Terminal 4, After security check,
13m ahead on the west side of the mezzanine floor, Xiamen
Gaoqi International Airport, China 
China   Xiamen   Xiamen Gaoqi
International Airport 
First Class Lounge
(International Departure,
Terminal 3) 
Airside, International Departure, Terminal 3, After security
check, Next to Gate 17, Xiamen Gaoqi International Airport,
China 
China   Xiamen   Xiamen Gaoqi
International Airport 
VIP Lounge (Domestic
Departure, Terminal 3) 
Airside, Domestic Departure, Terminal 3, After security check,
Opposite Gate 21, Xiamen Gaoqi International Airport, China 
China   Xiamen   Xiamen Gaoqi
International Airport 
VIP No.6 Lounge (Domestic
Departure, Terminal 3) 
Airside, Domestic Departure, Terminal 3, After security check,
Next to Gate 6, Xiamen Gaoqi International Airport, China 
China   Xi'an   XI’AN North Railway
Station 
YUETU - EAY - Railway VIP
Lounge   XI’AN North Railway Station 
China   Xi'an   XI’AN Railway Station   YUETU - XAY - Railway VIP
Lounge   XI’AN Railway Station 
China   Xi'an   Xian Xianyang
International Airport   Kapok Lounge   Airside, Domestic Departure, Terminal 5 ,Near Gate174, Xi'an
Xianyang International Airport, China 
China   Xi'an   Xian Xianyang
International Airport   V22 China Eastern Lounge   Airside, Domestic Departures, Terminal 5, Nearby Gate 149,
Xian Xianyang International Airport 
China   Zaozhuang   Tengzhou Railway
Station 
YUETU - TEK - Railway VIP
Lounge   Tengzhou Railway Station 
China   Zaozhuang   Zaozhuang Railway
Station 
YUETU - ZEK - Railway VIP
Lounge   Zaozhuang Railway Station

This lounge directory is maintained by Plaza Premium Group. Please check the latest lounge information before travelling, as lounge locations, operating hours,
participating lounges and access arrangements are subject to change without notice. 
Last updated 28 September 2026 
15 
China   Zhangjiakou   Zhangjiakou Railway
Station 
YUETU - ZMP - Railway VIP
Lounge   Zhangjiakou Railway Station 
China   Zhangjiakou 
Zhangjiakou
Taizicheng Railway
Station 
YUETU - IZP - Railway VIP
Lounge   Zhangjiakou Taizicheng Railway Station 
China   Zhaotong   Zhaotong Airport   Best F/B Class VIP Lounge   Landside, Domestic Departure, Main Terminal, Near the
Security Check, Zhaotong Zhaoyang Airport, China 
China   Zhengzhou   Zhengzhou Xinzheng
International Airport 
China Southern
First/Business Class Lounge 
Airside, Domestic Departure, Terminal 2, Nearby gate 217,
Zhengzhou Xinzheng International Airport , China 
China   Zhengzhou   Zhengzhou Xinzheng
International Airport 
China Southern Skypearl
Lounge 
Airside, Domestic Departure, Nearby Gate 217 (Membership
Lounge), Zhengzhou Xinzheng International Airport, China 
China   Zhuhai   Zhuhai Jinwan Airport 
China Southern
First/Business
Gold/Silver/Elite Plus Class 
Lounge 
Airside, Domestic Departure, Near Gate 1, 20 meters after
security check in Area A, Zhuhai Jinwan Airport, China 
China   Zhuhai   Zhuhai Jinwan Airport 
VIP Lounge T1 Landside 2F
(Domestic Departure,
Terminal 1) 
Domestic Departure, Terminal 1, 2/F, Zhuhai Jinwan
International Airport, China 
China   Zhuhai   Zhuhai Jinwan Airport   Zone A VIP Lounge (Domestic
Departure, Terminal 1) 
Domestic Departure, Terminal 1, Opposite to Gate A01, Zhuhai
Jinwan International Airport, China 
China   Zhuhai   Zhuhai Jinwan Airport   Zone B VIP Lounge (Domestic
Departure, Terminal 1) 
Domestic Departure, Terminal 1, Opposite to Gate 11, Zhuhai
Jinwan International Airport, China 
China   Zibo   Zibo Railway Station   YUETU - ZBK - Railway VIP
Lounge   Zibo Railway Station 
Georgia   Batumi   Batumi International
Airport   Primeclass Lounge 
Airside, International Departure,On the first floor after
Passport Control at the right side, Batumi International
Airport,Batumi,Georgia 
Georgia   Tbilisi   Tbilisi International
Airport   Primeclass Lounge   Airside, International Departure, 2nd floor after Passport
Control, Tbilisi International Airport,Tbilisi,Georgia 
Ghana   Accra   Kotoka International
Airport   Adinkra Lounge   Airside, International Departure, Terminal 3, Level 5, Kotoka
International Airport, Accra, Ghana 
Ghana   Accra   Kotoka International
Airport   Adinkra Lounge   Airside, Domestic Departure, Terminal 2, Level 1, nearby Gate
4, Kotoka International Airport, Accra, Ghana 
Ghana   Accra   Kotoka International
Airport   U Lounge   Airside, International Departure, Terminal 3, 3rd Floor, Nearby
Gate 5, Kotoka International Airport, Accra, Ghana 
Ghana   Kumasi   Prempeh I
International Airport   Adinkra Lounge   Airside, After Security (Level 1), Departures – Near Gate 3
Prempeh I International Airport, Kumasi, Ghana 
Ghana   Kumasi   Prempeh I
International Airport   CIP Lounge   Airside, After Security (Level 1), Departures – Near Gate 4
Prempeh I International Airport, Kumasi, Ghana

This lounge directory is maintained by Plaza Premium Group. Please check the latest lounge information before travelling, as lounge locations, operating hours,
participating lounges and access arrangements are subject to change without notice. 
Last updated 28 September 2026 
16 
India   Ahmedabad 
Sardar Vallabhbhai 
Patel International 
Airport 
The Lounge 
Airside, Domestic Departure, Terminal 1, , Between Gate 1-4,
Sardar Vallabhbhai Patel International Airport, Ahmedabad,
India 
India   Ahmedabad 
Sardar Vallabhbhai 
Patel International 
Airport 
The Lounge 
Airside, International Departure, Terminal 2, 1st floor, Nearby
Gate 3, Sardar Vallabhbhai Patel International Airport,
Ahmedabad, India 
India   Bengaluru   Kempegowda
International Airport   080 Arrival Lounge   Landside, Terminal 2, Level 4, Kempegowda International
Airport, Bengaluru, India 
India   Bengaluru   Kempegowda
International Airport   080 Domestic Lounge   Airside, Domestic Departure, Terminal 2, Level 4,
Kempegowda International Airport, Bengaluru, India 
India   Bengaluru   Kempegowda
International Airport   T1 Lounge   Landside, Outside the terminal 1,Near Arrival Gate 13,
Kempegowda International Airport,Bengaluru,India 
India   Bhubaneswar   Biju Patnaik Airport   O'Vetra Lounge   Airside, Domestic Departure, Terminal 1, Level 1,Near Gate 8,
Biju Patnaik International Airport, Bhubaneswar, India 
India   Guwahati 
Lokpriya Gopinath
Bordoloi International
Airport 
The Lounge FF 
Airside, Domestic Departure, Terminal 1, 1st Floor, Nearby
Gate 6, Lokpriya Gopinath Bordoloi International
Airport,Guwahati, India 
India   Guwahati 
Lokpriya Gopinath
Bordoloi International
Airport 
The Lounge GF 
Airside, Domestic Departure, Terminal 1, Ground Floor, Nearby
Gate 2, Lokpriya Gopinath Bordoloi International
Airport,Guwahati, India 
India   Jaipur   Jaipur International
Airport   Adani Lounge   Airside, Domestic Departure, Terminal 2, Nearby M1 Gate,
Jaipur International Airport,Jaipur, India 
India   Lucknow 
Chaudhary Charan
Singh International
Airport 
Adani Lounge 
Airside, Domestic Departure, Terminal 3, 2rd Floor, Nearby
Gate 14, Chaudhary Charan Singh International
Airport,Lucknow, India 
India   Lucknow 
Chaudhary Charan
Singh International
Airport 
Adani Lounge   Airside, International Departure, Terminal 3, 2rd Floor,
Chaudhary Charan Singh International Airport,Lucknow, India 
India   Mumbai 
Chhatrapati Shivaji 
Maharaj International 
Airport 
Adani Lounge 
Domestic Departure, Terminal 1B, Mezzanine
level,Chhatrapati Shivaji Maharaj International Airport,
Mumbai, India 
India   Mumbai 
Chhatrapati Shivaji 
Maharaj International 
Airport 
Adani Lounge 
Airside, Domestic Transit and Domestic departure, Terminal 2,
Nearby Gate 44, Chhatrapati Shivaji Maharaj International
Airport, Mumbai, India 
India   Mumbai 
Chhatrapati Shivaji 
Maharaj International 
Airport 
Aviserv Lounge East Wing   P-6, Level -2, Near Exit Gate C, Arrival Hall, T-2, CSMIA, Mumbai 
India   Mumbai 
Chhatrapati Shivaji 
Maharaj International 
Airport 
Aviserv Lounge West Wing   P-6, Level-2, Near Exit Gate A, Arrival Hall, T-2, CSMIA, Mumbai 
India   Mumbai 
Chhatrapati Shivaji 
Maharaj International 
Airport 
Good Times Bar 
Airside, Domestic Departure, Terminal 1B, Ground Floor,
Nearby Gate 10, Chhatrapati Shivaji Maharaj International
Airport, Mumbai, India 
India   Mumbai 
Chhatrapati Shivaji 
Maharaj International 
Airport 
Travel Club Lounge 
Airside, Domestic Transit and Domestic departure, Terminal 2,
Nearby Gate 44, Chhatrapati Shivaji Maharaj International
Airport, Mumbai, India

This lounge directory is maintained by Plaza Premium Group. Please check the latest lounge information before travelling, as lounge locations, operating hours,
participating lounges and access arrangements are subject to change without notice. 
Last updated 28 September 2026 
17 
India   Mumbai 
Chhatrapati Shivaji 
Maharaj International 
Airport 
Travel Club Lounge 
Airside, Domestic Departure, Terminal 1C, 1st Floor,
Chhatrapati Shivaji Maharaj International Airport, Mumbai,
India 
India   Tiruchirappalli   Tiruchirapalli
International Airport   O'Vetra Lounge   Airside, Domestic Departure, Terminal 1, Level 3,
Tiruchirappalli international airport, Trichy, India 
India   Tiruchirappalli   Tiruchirapalli
International Airport   O'Vetra Lounge   Airside, International Departure, Terminal 1, Level 3,
Tiruchirappalli international airport, Trichy, India 
India   Trivandrum   Trivandrum
International Airport   The Lounge   Airside, Domestic Departure, Terminal 1,Trivandrum
International Airport, Trivandrum, India 
India   Trivandrum   Trivandrum
International Airport   The Lounge   Airside, International Departure, Terminal 2 Nearby gate 4,
Trivandrum International Airport, Trivandrum, India 
Indonesia   Ambon   Pattimura Airport   Concordia Lounge   Airside Domestic,Between Gates 1 and 2 Airside - Domestic
and in transit Departures Area Pattimura Airport 
Indonesia   Balikpapan 
Sultan Aji Muhammad
Sulaiman Sepinggan
International Airport 
Prayana Lounge   Airside - Domestic Departures, next to Security Check Point,
opposite Gate 3 Sepinggan Airport 
Indonesia   Banjarmasin   Syamsudin Noor
Airport   Saphire Lounge   Airside Domestic,Ground Floor Departures Area Domestic
Terminal Banjarmasin Syamsudin Noor Intl Airport 
Indonesia   Denpasar   I Gusti Ngurah Rai
International Airport   Concordia Lounge 
Airside International Departure,3rd Floor Airside - Departure
Area International Terminal I Gusti Ngurah Rai International
Airport 
Indonesia   Denpasar   I Gusti Ngurah Rai
International Airport   Concordia Lounge   Airside Domestic,Gate 2 Departure Area Domestic Terminal I
Gusti Ngurah Rai International Airport 
Indonesia   Jakarta   Halim Perdanakusuma
International Airport   Saphire Lounge   Domestic, Airside - Check-in Area, 1st Floor. Departures Hall
Halim Perdanakusuma Airport 
Indonesia   Jambi   Sultan Thaha Airport   Saphire Lounge   Airside Domestic,Departure Terminal Area Sultan Thaha
Airport 
Indonesia   Kupang   El Tari Airport   Concordia Lounge 
Airside Domestic,Near the Angkasa Pura Airport Branch Office
and ATM Center on the 1st Floor Domestic Departure Terminal
El Tari Airport 
Indonesia   Lombok   Lombok International
Airport   Concordia Lounge   Airside Domestic,3rd Floor, near Gate Garuda Indonesia
Zainudin Abdul Madjij Airport 
Indonesia   Makassar   Sultan Hasanuddin
International Airport   Prayana Lounge   Airside Domestic,2nd Floor after Security Checks, in front of
Gate 1, Sultan Hassanudin Airport 
Indonesia   Manado   Sam Ratulangi
International Airport   Concordia Lounge   Airside Domestic,3rd Floor Domestic Departure Area Sam
Ratulangi Airport 
Indonesia   Medan   Kualanamu
International Airport   Saphire Lounge   Airside International Departures, International Boarding Area,
1st Floor Kualanamu Airport

This lounge directory is maintained by Plaza Premium Group. Please check the latest lounge information before travelling, as lounge locations, operating hours,
participating lounges and access arrangements are subject to change without notice. 
Last updated 28 September 2026 
18 
Indonesia   Padang   Minangkabau
International Airport   Banua Premiere Lounge   Landside, Departure, Minangkabau International Airport,
Padang, Indonesia 
Indonesia   Palembang   Sultan Mahmud
Badaruddin II Airport   Saphire Lounge   Airside Domestic,2nd Floor Departure Terminal Area Sultan
Mahmud Badaruddin II Airport 
Indonesia   Pangkalpinang   Depati Amir Airport   Saphire Lounge   Airside Domestic,2nd Floor Departure Terminal Area Depati
Amir Airport 
Indonesia   Progo   Yogyakarta
International Airport   Concordia Lounge   Airside Domestic,Gate 3A & 3B Domestic Terminal Yogyakata
International Airport 
Indonesia   Semarang   Jenderal Ahmad Yani
Airport   Concordia Lounge   Airside Domestic,3rd Floor Departure Area Domestic Terminal
Ahmad Yani International Airport 
Indonesia   Semarang   Jenderal Ahmad Yani
Airport   Concordia Lounge   Airside, International Departure, Nearby Gate 1,Ahmad Yani
Semarang International Airport,Semarang, Indonesia 
Indonesia   Solo   Adi Soemarmo Airport   Concordia Lounge   Airside Domestic,2nd Floor, after 2nd Security Checks
Domestic Departure Area Adi Sumarmo Airport 
Indonesia   Surabaya   Juanda International
Airport   Concordia Lounge   Airside Domestic Departure Terminal 1, Airside Domestic
Terminal Area Juanda International Airport 
Indonesia   Surabaya   Juanda International
Airport   Prayana Executive Lounge 
Airside, International Departure,Terminal 2, Mezzanine Floor,
International Terminal Area, Juanda International Airport,
Surabaya, Indonesia 
Indonesia   Tangerang   Soekarno–Hatta
International Airport   Saphire Lounge   Airside International Departure,2F Departure Terminal
Soekarno-Hatta International Airport,Tangerang,Indonesia 
Japan   Fukuoka   Fukuoka Airport   Lounge TIME International   International Passenger Terminal, 3F, Nearby Gate 56,
Fukuoka International Airport, Japan 
Mexico   Cancun   Cancún International
Airport 
MERA Business Lounge
Domestic (Terminal 4) 
Airside, Ground Floor, Terminal 4, Cancún International
Airport,Cancun,Mexico 
Mexico   Cancun   Cancún International
Airport 
MERA Business Lounge
International (Terminal 4)   International Airside, Terminal 4, Cancún International Airport 
Mexico   Cancun   Cancún International
Airport 
MERA Business Lounge 
(Terminal 2) 
Airside, Upper Floor Central Hall, Terminal 2, Cancún
International Airport 
Mexico   Cancun   Cancún International
Airport 
MERA Business
Lounge(Terminal 3)   Airside, Upper Floor, Terminal 3, Cancún International Airport 
Mexico   Cancun   Cancún International
Airport   VIP Lounge by MERA Roof   Airside, International Departure, Terminal 3, Level 1, near the
Food Court, Cancun International Airport, Cancun, Mexico. 
Mozambique   Maputo   Maputo International
Airport   Executive 2000   Airside, Domestic Terminal, Level 2, nearby Gate 1,Maputo
International Airport,Maputo,Mozambique

This lounge directory is maintained by Plaza Premium Group. Please check the latest lounge information before travelling, as lounge locations, operating hours,
participating lounges and access arrangements are subject to change without notice. 
Last updated 28 September 2026 
19 
Mozambique   Maputo   Maputo International
Airport   Executive 2000   Airside, International Terminal, nearby Gate 1,,Maputo
International Airport,Maputo,Mozambique 
Myanmar   Mandalay   Mandalay International
Airport   CIP Lounge   Airside, Departure Terminal, Near gate 7, Mandalay
International Airport, Mandalay, Myanmar 
New Zealand   Christchurch   Christchurch
International Airport   Manaia Lounge 
International Departures opposite Gate 29, Level 1,
Christchurch International Airport , Christchurch, New
Zealand 
New Zealand   Mangere   Auckland Airport   Strata Lounge 
Airside, International Departure, International Terminal, Level
2, Nearby Gate 1 &2, International Terminal, Auckland Airport,
Auckland 
New Zealand   Queenstown   Queenstown Airport   Manaia Lounge   Airside - Level 1 above Gates 8 and 9, Queenstown Airport ,
Queenstown, New Zealand 
Nigeria   Abuja   Nnamdi Azikiwe
International Airport   SDS Lounge   Airside, International Departure, New International Terminal,
3th Floor, Nnamdi Azikiwe International Airport,Abuja,Nigeria 
North
Macedonia   Ohrid   Ohrid International
Airport   Primeclass VIP/CIP Lounge   Airside International Departure, VIP Terminal, Ohrid Airport,
Ohrid, Macedonia 
Oman   Duqm   Duqm International
Airport   Primeclass Lounge 
Airside, International Departure, Main Terminal, nearby Gate
A, Duqm International Airport,Duqm,Oman 
Palau   Koror   Palau International
Airport   680 VIP Lounge   Airside, Departure Area, 2nd Floor, Palau International Airport
(post ‑ security), Palau 
Saudi Arabia   Abha   Abha International
Airport   Hayyak Lounge   Domestic Departure, Nearby Gate 1, Abha International
Airport,Abha,,Saudi Arabia 
Saudi Arabia   Al Baha   King Saud Bin
Abdulaziz Airport   Hayyak Lounge   Domestic Departure, Nearby Gate 1, King Saud Bin Abdulaziz
Airport, Al Baha Saudi Arabia 
Saudi Arabia   Al Duwadimi   Dawadmi Domestic
Airport   Hayyak Lounge   Domestic Departure,Nearby Gate 1, Dawadmi Domestic
Airport, Al Duwadimi Saudi Arabia 
Saudi Arabia   Al Guryyat   Gurayat Domestic
Airport   Hayyak Lounge   Domestic Departure, Nearby Gate 1, Gurayat Domestic Airport,
Al Gurayyat Saudi Arabia 
Saudi Arabia   Al Jouf   Al Jouf Domestic
Airport   Hayyak Lounge   Domestic Departure, Nearby Gate 1, Al Jouf Domestic Airport,
Al Jouf, Saudi Arabia 
Saudi Arabia   Al Qaisumah   Al Qaisumah-Hafar Al
Batin Airport   Hayyak Lounge   Domestic Departure, Nearby Gate 1, Al Qaisumah-Hafar Al
Batin Airport, Al Qasiumah Saudi Arabia 
Saudi Arabia   Al Qaisumah   Al Qaisumah-Hafar Al
Batin Airport   Hayyak Lounge   International Departure, Nearby Gate 1, Al Qaisumah-Hafar Al
Batin Airport, Al Qaisumah Saudi Arabia 
Saudi Arabia   Al Qassim 
Prince Naif Bin
Abdulaziz International
Airport 
Hayyak Lounge   International Departure, Nearby Gate 3, Prince Naif Bin
Abdulaziz International Airport, Al Qassim, Saudi Arabia

This lounge directory is maintained by Plaza Premium Group. Please check the latest lounge information before travelling, as lounge locations, operating hours,
participating lounges and access arrangements are subject to change without notice. 
Last updated 28 September 2026 
20 
Saudi Arabia   Al Qassim 
Prince Naif Bin
Abdulaziz International
Airport 
Hayyak Lounge   Domestic Departure, Nearby Gate 1, Prince Naif Bin Abdulaziz
International Airport, Al Qassim Saudi Arabia 
Saudi Arabia   Al Turaif   Turaif Domestic Airport   Hayyak Lounge   Domestic Departure, Nearby Gate 1, Turaif Domestic Airport,
Al Turaif, Saudi Arabia 
Saudi Arabia   Al Ula   AlUla International
Airport   Hayyak Lounge   International Departure, Nearby Gate 1, Prince Abdul Majeed
bin Abdulaziz International Airport, Al Ula Saudi Arabia 
Saudi Arabia   Arar   Arar International
Airport   Hayyak Lounge   Domestic Departure, Nearby Gate 2, Arar Domestic Airport,
Arar, Saudi Arabia 
Saudi Arabia   Bisha   Bisha Domestic Airport   Hayyak Lounge   Domestic Departure, Nearby Gate 1, Bisha Domestic Airport,
Bisha, Saudi Arabia 
Saudi Arabia   Dammam   King Fahd
International Airport   Flynas Lounge   Domestic Departure, Nearby Gate 19, King Fahad International
Airport,Dammam,Saudi Arabia 
Saudi Arabia   Hail   Hail International
Airport   Hayyak Lounge   International Departure, Nearby Gate 1, Hail International
Airport, Hail, Saudi Arabia 
Saudi Arabia   Jeddah   Haramain High Speed
Railway - Jeddah   Haramain Lounge   Haramain High Speed Railway,Jeddah, Saudi Arabia 
Saudi Arabia   Jeddah   King Abdulaziz
International Airport   Flynas Lounge   Domestic Departure, King Abdulaziz International
Airport,Jeddah,Saudi Arabia 
Saudi Arabia   Jizan 
King Abdullah bin
Abdulaziz International
Airport 
Hayyak Lounge   Domestic Departure, Nearby Gate 50, King Abdullah bin
Abdulaziz Airport, Jizan, Saudi Arabia 
Saudi Arabia   Madinah   Haramain High Speed
Railway - Madinah   Haramain Lounge   Haramain Higg Speed Railways, Madinah, Saudi Arabia 
Saudi Arabia   Madinah 
Prince Mohammad Bin
Abdulaziz International
Airport 
Hayyak VIP Lounge 
Airside, Domestic Departure, Nearby Gate 3, Prince
Mohammed Bin Abdulaziz International Airport, Medinah,
Saudi Arabia 
Saudi Arabia   Makkah   Haramain High Speed
Railway - Makkah   Haramain Lounge   Haramain High Speed Railway,Makkah, Saudi Arabia 
Saudi Arabia   Najran   Najran Domestic
Airport   Hayyak Lounge   Domestic Departure, Nearby Gate 1, Najran Regional Airport,
Najran, Saudi Arabia 
Saudi Arabia   Riyadh   King Khalid
International Airport   Flynas Lounge   Airside, International Departure, Terminal 5, Nearby Gate
509B, King Khaled International Airport, Riyadh, Saudi Arabia 
Saudi Arabia   Riyadh   King Khalid
International Airport   Hayyak VIP Lounge   Airside, Domestic Departure, Terminal 3, Nearby Gate 307,
King Khaled International Airport, Riyadh, Saudi Arabia 
Saudi Arabia   Riyadh   King Khalid
International Airport   Hayyak VIP Lounge   Airside, International Departure, Terminal 5, Nearby Gate
509A, King Khalid International Airport, Riyadh, Saudi Arabia

This lounge directory is maintained by Plaza Premium Group. Please check the latest lounge information before travelling, as lounge locations, operating hours,
participating lounges and access arrangements are subject to change without notice. 
Last updated 28 September 2026 
21 
Saudi Arabia   Tabuk 
Prince Sultan Bin
Abdulaziz International
Airport 
Hayyak Lounge   Domestic Departure, Nearby Gate 2, Prince Sultan Bin Abdul
Aziz International Airport, Tabuk, Saudi Arabia 
Saudi Arabia   Taif   Taif International
Airport   Hayyak Lounge   International Departure, Nearby Gate 4, Taif International
Airport, Taif, Saudi Arabia 
Saudi Arabia   Taif   Taif International
Airport   Hayyak Lounge   Domestic Departure, Nearby Gate 1, Taif Regional Airport
Domestic, Taif Saudi Arabia 
Saudi Arabia   Wadi Al Dawasir   Wadi Al Dawasir Airport   Hayyak Lounge   Domestic Departure, Nearby Gate 1, Wadi Al Dawasir Airport,
Wadi Al Dawasir, Saudi Arabia 
Saudi Arabia   Yanbu 
Prince Abdul Mohsin
Bin Abdulaziz
international Airport 
Hayyak Lounge   Domestic Departure, Nearby Gate 1, Prince Abdul Mohsin bin
Abdulaziz International Airport, Yanbu, Saudi Arabia 
South Africa   Durban   King Shaka
International Airport   Umphafa Premium Lounge 
Airside, International Departures Terminal, Take the lift or
stairs up to the 3rd Floor (Level 2), King Shaka International
Airport 
South Africa   Johannesburg   O. R. Tambo
International Airport   Mashonzha Lounge   Airside, Terminal A (after airport security), O. R. Tambo
International Airport 
South Africa   Johannesburg   O. R. Tambo
International Airport   Shongololo Lounge   Airside, Terminal A (after airport security), Nearby Gates A7-
A18. O. R. Tambo International Airport 
South Korea   Busan   Gimhae International
Airport 
N Skyhub Lounge
(International Departure) 
Airside, International Departure, 2F, Nearby Gate 2&3,Gimhae
International Airport, South Korea 
South Korea   Busan   Gimhae International
Airport 
Skyhub Lounge (Departures,
International Terminal) 
Airside, International Departure,2/F, Nearby Gate 9 &10,
Gimhae International Airport, South Korea 
South Korea   Seoul   Gimpo International
Airport 
Skyhub Lounge
(International Departure,
Terminal 1) 
Terminal 1, International Departure, Gimpo International
Airport , Seoul 
South Korea   Seoul   Incheon International
Airport 
Matina Lounge (East Wing,
International Departures,
Terminal 1) 
Near Gate 11, 4/F, East Wing, Terminal 1, International
Departure, Incheon International Airport, Seoul 
South Korea   Seoul   Incheon International
Airport 
Matina Lounge (West Wing,
International Departures,
Terminal 1) 
Near Gate 43 4/F, West Wing, Terminal 1, International
Departure, Incheon International Airport, Seoul 
South Korea   Seoul   Incheon International
Airport 
Skyhub Lounge (East
Concourse, International
Departure) 
Near Gate 115, 4/F, East Concourse, Terminal 1, International
Departure, Incheon International Airport, Seoul 
South Korea   Seoul   Incheon International
Airport   Matina Lounge   Near Gate 252, 4/F, Terminal 2, International Departure,
Incheon International Airport, Seoul 
South Korea   Seoul   Incheon International
Airport   Skyhub   Near Gate 247, 4F, Terminal 2, International Departure,
Incheon International Airport, Seoul 
South Korea   Seoul   Incheon International
Airport 
Skyhub Lounge (East Wing,
International Departures,
Terminal 1) 
Near Gate 25, 4/F, East Wing, Terminal 1, International
Departure, Incheon International Airport, Seoul

This lounge directory is maintained by Plaza Premium Group. Please check the latest lounge information before travelling, as lounge locations, operating hours,
participating lounges and access arrangements are subject to change without notice. 
Last updated 28 September 2026 
22 
South Korea   Seoul   Incheon International
Airport 
Skyhub Lounge (East Wing,
International Departures,
Terminal 2) 
Near Gate 254, 4F, Terminal 2, International Departure,
Incheon International Airport, Seoul 
South Korea   Seoul   Incheon International
Airport 
Skyhub Lounge (West Wing,
International Departures,
Terminal 1) 
Near Gate 29,4/F, West Wing, Terminal 1, International
Departure, Incheon International Airport, Seoul 
Thailand   Bangkok   Don Mueang
International Airport   NokAir Lounge   Domestic Departures, Terminal 2, between Gate 41 -46 and
Gate 50 - 56, Don Mueang International Airport 
Thailand   Bangkok   Don Mueang
International Airport 
The Coral Executive Lounge
(Terminal 2, Domestic
Departure) 
Airside, Domestic Departure, Terminal 2, Near Gate 50-55, Don
Mueang International Airport, Bangkok, Thailand 
Thailand   Bangkok   Don Mueang
International Airport 
The Coral Finest Business
Class Lounge (Terminal 1,
International Departure) 
Airside, International Departure, Terminal 1, 3/F, Near Pier 5,
Don Mueang International Airport, Bangkok, Thailand 
Thailand   Bangkok   Don Mueang
International Airport 
The Coral Forest Lounge
(Terminal 2, Domestic
Departure) 
Airside, Domestic Departure, Terminal 2, 2/F, Nearby Gate 72-
78, Don Mueang International Airport, Bangkok, Thailand 
Thailand   Bangkok   Suvarnabhumi Airport 
The Coral Cocoon Lounge
(Concourse C, International
Departure) 
Airside, International Departure, Concourse C, Nearby Gate
C1, Suvarnabhumi International Airport, Bangkok, Thailand 
Thailand   Bangkok   Suvarnabhumi Airport 
The Coral Cosmo Lounge
(Concourse C, International
Departure) 
Airside, International Departure, Concourse C, Nearby Gate
C2, Suvarnabhumi International Airport, Bangkok, Thailand 
Thailand   Bangkok   Suvarnabhumi Airport   The Coral Executive Lounge
(Domestic Departure) 
Airside, Domestic Departure, Level 2, Suvarnabhumi
International Airport 
Thailand   Bangkok   Suvarnabhumi Airport 
The Coral Finest Business
Class Lounge (Concourse D,
International Departure) 
Airside, International Departure, Level 3, Nearby Gate D1,
Suvarnabhumi International Airport, Bangkok, Thailand 
Thailand   Chiang Mai   Chiang Mai
International Airport 
The Coral Executive Lounge
(Domestic Departure) 
Airside, Domestic Departure, 2/F, Nearby Gate 8, Chiang Mai
International Airport, Chiang Mai, Thailand 
Thailand   Chiang Mai   Chiang Mai
International Airport 
The Coral Executive Lounge
(International Departure) 
Airside, International Departure, 2/F, Chiang Mai International
Airport, Chiang Mai, Thailand 
Thailand   Chiang Rai   Chiang Rai
International Airport 
The Coral Executive Lounge
(Domestic Departure) 
Airside, Domestic Departurs,1/F, Nearby Gate 1-2, Chiang Rai
International Airport, Chiang Rai,Thailand 
Thailand   Hat Yai   Hat Yai International
Airport 
The Coral Executive Lounge
(Domestic Departure) 
Airside, Domestic Departure, Nearby Gate 4&5, Hat Yai
International Airport, Hat Yai, Thailand 
Thailand   Phuket   Phuket International
Airport 
The Coral Beach Lounge
(Domestic Departure) 
Airside, Domestic Departure, 2/F, Near Gate 5-6, Phuket
International Airport, Phuket, Thailand 
Thailand   Phuket   Phuket International
Airport 
The Coral Executive Lounge
(International Departure) 
Airside, International Departure, 4/F, Upper floor after
immigration service (South wing),Near Gate 15, Phuket
International Airport, Phuket, Thailand 
Thailand   Udon Thani   Udon Thani
International Airport 
The Coral Executive Lounge
(Terminal 2, Domestic
Departure) 
Airside, Domestic Departure, Terminal 2, 3/F, Udon Thani
International Airport, Udon Thani, Thailand

This lounge directory is maintained by Plaza Premium Group. Please check the latest lounge information before travelling, as lounge locations, operating hours,
participating lounges and access arrangements are subject to change without notice. 
Last updated 28 September 2026 
23 
Turkey   Adana   Cukurova International
Airport 
Celebi Domestic Platinum
Lounge 
Airside, Domestic
Terminal,Cukurova   International   Airport,Adana, Turkey 
Turkey   Adana   Cukurova International
Airport 
Celebi International Platinum
Lounge 
Airside, International
Terminal,Cukurova   International   Airport,Adana, Turkey 
Turkey   Antalya   Antalya Airport   CIP Lounge 
Airside, Domestic Departure, Terminal 3, After Security
control, located on Mezzanine Level, Antalya Airport, Antalya,
Turkey 
Turkey   Diyarbakir   Diyabakir Airport   Celebi Platinum CIP Lounge   Landside, Domestic Terminal,Diyarbakır
Airport,Diyarbakır,Turkey 
United
Kingdom   Bristol   Bristol International
Airport   Escape Lounge   Airside, Terminal Building, Mezzanine level, Bristol
International Airport, Bristol, United Kingdom 
United
Kingdom   East Midlands   East Midlands
International Airport   Escape Lounge 
Airside, Terminal Building, Lower Level, Opposite Gate 17,East
Midlands International Airport,,East Midlands, United
Kingdom 
United
Kingdom   London   London Stansted
Airport   Essence by Escape Lounge 
Airside, Main Terminal, Departure, Satellite 1, London
Stansted International Airport, United Kingdom (close to
Gates 1–19) 
United
Kingdom   Manchester   Manchester
International Airport   Escape Lounge   Airside, Terminal 1, Manchester Airport, Manchester,United
Kingdom 
United
Kingdom   Manchester   Manchester
International Airport   Escape Lounge   Airside, Terminal 2, Upper Departure Level, Manchester
Airport, Manchester, United Kingdom 
Vietnam   Buon Ma Thuot   Buon Ma Thuot Airport   SH Premium Lounge Buon
Ma Thuot 
Airside, Domestic Departures, 1/F, Buon Ma Thuot Airport,
Vietnam 
Vietnam   Cam Ranh   Cam Ranh
International Airport 
SH Premium Lounge Cam
Ranh 
Airside, Domestic Departures, Terminal 1, Nearby Gate 5 &
6,Cam Ranh International Airport,Cam Ranh,Vietnam 
Vietnam   Cam Ranh   Cam Ranh
International Airport 
SH Premium Lounge Cam
Ranh 
Airside - International Departures, Terminal 2, Next to Lotte
Duty Free store, Near Gates 4 and 5,Cam Ranh International
Airport,Cam Ranh,Vietnam 
Vietnam   Cam Ranh   Cam Ranh
International Airport   Sun Coast Lounge   Airside, Terminal 2, International Departures, Opposite Gate
1,2 & 3,Cam Ranh International Airport, Cam Ranh, Vietnam 
Vietnam   Can Tho   Can Tho International
Airport   SH Premium Lounge Can Tho   Airside, Domestic Departures, 2F, Nearby Gate 5, Can Tho
International Airport, Vietnam 
Vietnam   Chu Lai   Chu Lai Airport   SH Premium Lounge Chu Lai   Airside, Domestic Departures, 2F, Nearby Gate 1, Chu Lai
Airport, Vietnam 
Vietnam   Con Dao   Con Dao Airport   SH Premium Lounge Con Dao   Airside, Domestic Departures, Nearby Gate1 &2, Con Dao
Airport, Vietnam 
Vietnam   Da Lat   Lien Khuong
International Airport 
SH Premium Lounge Lien
Khuong 
Airside, Domestic Departures, 2F Nearby Gate 1, Lien Khuong
International Airport,Vietnam

This lounge directory is maintained by Plaza Premium Group. Please check the latest lounge information before travelling, as lounge locations, operating hours,
participating lounges and access arrangements are subject to change without notice. 
Last updated 28 September 2026 
24 
Vietnam   Da Nang   Da Nang International
Airport   SH Premium Lounge Da Nang   Airside, Domestic Departures, Nearby Gate 6, Da Nang
International Airport, Vietnam 
Vietnam   Dien Bien Phu   Dien Bien Airport   SH Premium Lounge Dien
Bien 
Airside, Domestic Departures, 2F, Nearby Gate 1, Dien Bien
Airport, Vietnam 
Vietnam   Dong Hoi   Dong Hoi Airport   SH Premium Lounge Dong
Hoi 
Airside, Domestic Departures, Nearby Gate 2, Dong Hoi
Airport, Vietnam 
Vietnam   Hai Phong   Cat Bi International
Airport   SH Premium Lounge Cat Bi   Airside, Domestic Departures, 2F, Neaby Gate 1, Cat Bi
International Airport, Vietnam 
Vietnam   Hanoi   Noi Bai International
Airport 
First Lounge by Bamboo
Airways 
Domestic Departure, Terminal 1, 3rd Floor, Nearby gate 4,5,6,
Noi Bai International Airport, Hanoi, Vietnam 
Vietnam   Hanoi   Noi Bai International
Airport   SH Premium Lounge Ha Noi   Domestic Departures, Terminal 1, Zone A, 3/F, Nearby Gate
5,Noi Bai International Airport, Vietnam 
Vietnam   HanoiFjeddah   Noi Bai International
Airport   SH Premium Lounge Ha Noi   Airside, International Departures, Terminal 2, East Zone, 4/F,
Nearby Gate 21-22, Noi Bai International Airport, Vietnam 
Vietnam   Ho Chi Minh   Tan Son Nhat
International Airport   Apricot Business Lounge 
Airside, International Terminal 2, 1st Floor, Nearby Gate 17-18,
(The elevator is inside the Cosmetics Duty Free Shop), Tan Son
Nhat International Airport, Ho Chi Minh City, Vietnam 
Vietnam   Ho Chi Minh   Tan Son Nhat
International Airport   Jasmine Halal Lounge   Airside, International Departure Hall, Terminal 2, International
Terminal, 2F, Near Gate 17, Tan Son Nhat International Airport 
Vietnam   Ho Chi Minh   Tan Son Nhat
International Airport   Le Saigonnais 
Airside, Domestic Departure, Terminal 1, 2/F, Opposite Gate
10-11,Tan Son Nhat International Airport, Ho Chi Minh City,
Vietnam 
Vietnam   Ho Chi Minh   Tan Son Nhat
International Airport   Rose Business Lounge   Airside, International Departure, Terminal 2, Near Gate 8-9,
2nd Floor, Tan Son Nhat International Airport 
Vietnam   Ho Chi Minh   Tan Son Nhat
International Airport 
SH Premium Lounge Tan Son
Nhat 
Airside, Domestic Departure, Terminal 3, 4F, Nearby Gate 12,
Tan Son Nhat International Airport 
Vietnam   Ho Chi Minh   Tan Son Nhat
International Airport   The SENS Leisure Lounge   Airside, Domestic Departure, Terminal 3, 4F, Nearby Gate 1-10,
Tan Son Nhat International Airport 
Vietnam   Hue   Phu Bai International
Airport   SH Premium Lounge Phu Bai   Airside, Domestic Departures, 2F, Nearby Gate 6, Phu Bai
International Airport 
Vietnam   Phu Cat   Phu Cat Airport   SH Premium Lounge Phu Cat   Airside, Domestic Departures, 2nd Floor, Phu Cat Airport,
Vietnam 
Vietnam   Phu Quoc   Phu Quoc International
Airport 
SH Premium Lounge Phu
Quoc 
Airside, Domestic Departures, 2F, Nearby Gate 12, Phu Quoc
International Airport, Vietnam 
Vietnam   Phu Quoc   Phú Quốc International
Airport   The SENS Leisure Lounge   Airside, International Departures, 2F, Nearby Gate 7, Phu Quoc
International Airport, Vietnam

This lounge directory is maintained by Plaza Premium Group. Please check the latest lounge information before travelling, as lounge locations, operating hours,
participating lounges and access arrangements are subject to change without notice. 
Last updated 28 September 2026 
25 
Vietnam   Pleiku   Pleiku Airport   SH Premium Lounge Pleiku   Airside, Domestic Departures, 1F, Nearby Gate 1, Pleiku
Airport, Vietnam 
Vietnam   Tho Xuan   Tho Xuan Airport   SH Premium Lounge Tho
Xuan 
Airside, Domestic Departures, 1F, Nearby Gate 1, Tho Xuan
Airport, Vietnam 
Vietnam   Tuy Hoa   Tuy Hoa Airport   SH Premium Lounge Tuy Hoa   Airside, Domestic Departures,1F, Tuy Hoa Airport (Vietnam) 
Vietnam   Vinh   Vinh International
Airport   SH Premium Lounge Vinh   Airside, Domestic Departures, 2F, Nearby Gate 6, Vinh
International Airport, Vietnam 
Vietnam   Harare   Robert Gabriel Mugabe
International Airport   The Lounge   Level 0, International Terminal, adjacent to security check
point, Robert Mugabe International Airport 
1   Lounge access is limited to passengers with a valid same-day China Southern Airlines boarding pass 
2   Open for eligible passengers flying with China Eastern Airlines and Shanghai Airlines only 
Important information: 
NAB Rewards Travel Credit Cards are issued by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686)(”NAB”). Read
NAB’s   credit card terms and conditions .   Credit card fees and charges are payable.   Approval and credit limit are subject to NAB’s credit assessment criteria. 
NAB may vary or end this offer at any time. 
Complimentary Airport Lounge Access is provided by Plaza Premium Lounge Australia Pty Ltd (ABN 64 165 120 972). 
The Terms and Conditions that apply to the use of the Complimentary Airport Lounge Access can be accessed   here .