No interest credit card
Our no interest credit card with no surprise charges – all for a simple monthly fee. Find out more about using the NAB StraightUp Card for your personal purchases with some business spending (may be suitable for sole traders ).
No interest, late payment fees or international transaction fees, just a simple monthly fee.
Credit limit
$1,000
$10 monthly fee
Credit limit
$2,000
$15 monthly fee
Credit limit
$3,000
$20 monthly fee
Benefits
Considerations
Not the right card for you? We can help you choose a different one.
How NAB StraightUp works
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Choose a credit limit that suits you from three available options (easily change your limit through the NAB app anytime).
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No interest ever, just a flat monthly fee.
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Your fee is included in your minimum monthly payment.
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Your monthly fee is reversed if you don’t make any purchases and have an outstanding balance of $0 during the whole statement period.
Low interest rate credit card offers
Your choice of offers to suit your credit needs, select either our promotional balance transfer offer or our cash back offer. May suit if you are not likely to pay off your closing balance in full every month.
Looking to transfer your existing credit card or store card debt to a new NAB credit card? Enjoy our promotional balance transfer offer for 28 months.
Minimum limit
$1,000
Annual card fee
$ 59 p.a.
Variable purchase rate
12.49 % p.a.
Benefits
Considerations
Not the right card for you? We can help you choose a different one.
0% p.a. on balance transfers (BT) for 28 months with 2% BT fee
If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
Looking for a credit card that not only offers a low interest rate but provides up to $300 cash back?
Minimum credit limit
$1,000
Annual card fee
$ 59 p.a.
Variable purchase rate
12.49 % p.a.
Benefits
Considerations
Not the right card for you? We can help you choose a different one.
Up to $300 cash back
If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Purchases must be processed and charged to your account in the relevant month to count toward your monthly spend.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
Low annual fee credit cards
May suit you if you want a low fee card, with a choice of standard or platinum benefits.
A no-frills card with our lowest annual fee and access to special offers, complimentary purchase protection insurance and fraud protection.
Minimum credit limit
$1,000
Annual card fee
$ 30 p.a.
Variable purchase rate
19.74 % p.a.
Benefits
Considerations
Not the right card for you? We can help you choose a different one.
Up to $240 cash back
Purchases must be processed and charged to your account in the relevant month to count toward your monthly spend.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
Our lowest annual fee platinum card with premium concierge services, special deals and complimentary insurances.
Minimum credit limit
$6,000
Annual card fee
$ 90 p.a.
Variable purchase rate
19.74 % p.a.
Benefits
Considerations
Not the right card for you? We can help you choose a different one.
0% p.a. on balance transfers (BT) for 12 months
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
NAB Qantas Rewards credit cards
Suitable for earning Qantas Rewards Points for flights, products and more.
Earn Qantas Points and enjoy platinum services and complimentary insurances.
Minimum credit limit
$6,000
Annual card fee
$ 250 p.a.
Variable purchase rate
19.99 % p.a.
Benefits
Considerations
Not the right card for you? We can help you choose a different one.
70,000 bonus Qantas Points
If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
Our highest Qantas Points earn rate with platinum services and complimentary insurances.
Minimum credit limit
$15,000
Annual card fee
$ 395 p.a.
Variable purchase rate
19.99 % p.a.
Benefits
Considerations
Not the right card for you? We can help you choose a different one.
120,000 bonus Qantas Points
If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
NAB Rewards credit cards
Suitable for earning an unlimited amount of NAB Rewards Points each month to use on flights, products and more.
Earn NAB Rewards Points and enjoy platinum services and complimentary insurances.
Minimum credit limit
$6,000
Annual card fee
$ 195 p.a.
Variable purchase rate
19.99 % p.a.
Benefits
Considerations
Not the right card for you? We can help you choose a different one.
100,000 bonus NAB Rewards Points
If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
Our highest NAB Rewards Points earn rate with platinum services and complimentary insurances.
Minimum credit limit
$15,000
Annual card fee
$ 295 p.a.
Variable purchase rate
19.99 % p.a.
Benefits
Considerations
Not the right card for you? We can help you choose a different one.
160,000 bonus NAB Rewards Points
If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
New
Earn Velocity Points
Enjoy more opportunities to earn Velocity Points (from NAB Rewards Points) when you apply for a new NAB Rewards credit card.
To ensure you are set up for the auto redemption feature, please make sure to begin your application through our dedicated Velocity page.
To earn Velocity Points you must be a Velocity Frequent Flyer member and have provided your Velocity Frequent Membership number to NAB.
Eligibility criteria and terms and conditions apply. Minimum monthly repayments required. NAB may vary or end this offer at any time.
NAB credit card benefits and features
Digital wallet pay
Pay with the smartphones and wearables you already own and use everyday with our digital payment options.
Fraud protection
Fraud protection and online security so you can enjoy peace of mind with all your purchases.
24/7 Emergency assistance
If your card is lost or stolen, you can block it via the NAB app or call us any time.
Visa Entertainment
Special offers on shows, events, experiences and movies from Visa Entertainment, opens in new window.
NAB credit card eligibility
To apply for a NAB credit card, you must be:
The following visa categories are not acceptable:
Credit card tools and calculators
Get help to choose the right card or help calculate savings with a balance transfer.
Manage your card with the NAB app
Help and support
We have guides and other resources to help you apply for a new credit card or manage an existing one.
Looking for a business credit card?
See our range of business credit cards to help you manage expenses and earn business rewards.
Understanding credit cards
Get in touch
Visit a NAB branch
Visit your nearest NAB branch to speak to us in person.
Important Information
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Consider the NAB Internet Banking terms and conditions which apply when using NAB Internet Banking and the NAB app, before making any decisions regarding these services. The NAB app is compatible with Android™ and iOS, minimum platform requirements apply. Android is a trademark of Google LLC. IOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. Services issued by NAB.
Fees and charges
Read our credit card terms and conditions. Fees and charges are payable. Approval and credit limit is subject to NAB's credit assessment criteria. Information, including interest rates and annual card fees subject to change. Correct as at 1 November 2023.
Credit cards issued by National Australia Bank Limited.
NAB Credit Card Terms and Conditions
NAB Electronic Banking (card based) terms and conditions
Personal banking fees – A guide to fees and charges (PDF, 177KB), opens in new window