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 ).

NAB StraightUp Card

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

  • One credit card for personal, everyday spending

  • No interest

  • Minimum monthly payment based on your credit limit

  • No late payment or international (online and overseas) transactional fees

  • No use, no pay (monthly fee reversed if balance is $0 for the whole statement period)

  • Special offers with Visa Entertainment, opens in new window including pre-sale tickets and member promotions

Considerations

  • Restrictions on cash advances and gambling transactions.

  • No additional cardholders.

  • No rewards points or complimentary insurances.

  • No balance transfers.

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

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How NAB StraightUp works

  1. Choose a credit limit that suits you from three available options (easily change your limit through the NAB app anytime).

  2. No interest ever, just a flat monthly fee.

  3. Your fee is included in your minimum monthly payment.

  4. Your monthly fee is reversed if you don’t make any purchases and have an outstanding balance of $0 during the whole statement period.

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Low interest rate credit card

May suit if you are not likely to pay off your closing balance in full every month.

NAB Low Rate Card

Our lowest interest rate on purchases with no frills.

Minimum limit

$1,000

Annual card fee

$ 59 p.a.

Variable purchase rate

12.99 % p.a.

Benefits

  • Our lowest interest rate on purchases

  • Up to 55 interest free days on purchases

  • Special offers with Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • Global assistance for card emergencies

Considerations

  • Higher annual card fee than the NAB Low Fee Card.

  • You won’t earn rewards points.

  • No complimentary insurances.

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

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Offer

0% p.a. on balance transfers (BT) for 32 months with no BT fee

  • Enjoy 0% p.a. on balance transfers for 32 months with no balance transfer fee on a new NAB Low Rate Card. Unpaid balance transfer reverts to variable cash advance rate.

  • Enjoy no annual fee for the first year (usually $59).

Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

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Low annual fee credit cards

May suit you if you want a low fee card, with a choice of standard or platinum benefits.

NAB Low Fee Card

A no-frills card with our lowest annual fee and access to special offers, complimentary insurance  and fraud protection.

Minimum credit limit

$1,000

Annual card fee

$ 30 p.a.

Variable purchase rate

19.74 % p.a.

Benefits

  • Our lowest annual fee card

  • Purchase Protection Insurance on personal items for loss, theft, or accidental damage

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

  • Special offers with Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • Global assistance for card emergencies

Considerations

  • You won’t earn rewards points.

  • Higher interest rates compared to our NAB Low Rate Card.

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

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Offer

Up to $240 cash back

  • $80 cash back per month for the first three months from account opening when you spend $500 per month on purchases.

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.

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NAB Low Fee Platinum Card

Our lowest annual fee platinum card with premium concierge services, special deals and six complimentary insurances.

Minimum credit limit

$6,000

Annual card fee

$ 90 p.a.

Variable purchase rate

19.74 % p.a.

Benefits

  • Six complimentary insurances, including international travel insurance

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

  • Special offers with Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • NAB Concierge Service

  • Global assistance for card emergencies

Considerations

  • You won’t earn rewards points.

  • Higher interest rates compared to our NAB Low Rate Card.

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

Help me choose a card

0% p.a. on balance transfers (BT) for 12 months

  • Enjoy 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

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NAB Qantas Rewards credit cards

Suitable for earning Qantas Rewards Points for flights, products and more.

NAB Qantas Rewards Premium Card

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

  • Six complimentary insurances, including international travel insurance

  • Free Qantas Frequent Flyer membership (a saving of $99.50).

  • Earn 1 bonus point for every dollar on eligible Qantas services.

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

  • Special offers with Visa Premium Access and Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • NAB Concierge Service

  • Global assistance for card emergencies

Considerations

  • Capped monthly points earn compared to our NAB Rewards cards.

  • Higher interest rates compared to our NAB Low Rate Card.

  • Lower points earn per dollar compared to our NAB Qantas Signature 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.

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Offer

70,000 bonus Qantas Points

  • When you spend $2,000 on everyday purchases within 60 days of account opening.

  • You’ll also enjoy a reduced annual card fee (from $250 to $150) for the first year.

Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

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NAB Qantas Rewards Signature Card

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

  • Six complimentary insurances, including international travel insurance

  • Free Qantas Frequent Flyer membership (a saving of $99.50).

  • Earn 1 bonus point for every dollar on eligible Qantas services.

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

  • Special offers with Visa Premium Access and Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • NAB Concierge Service

  • Global assistance for card emergencies

Considerations

  • Capped monthly points earn compared to our NAB Rewards cards.

  • Higher interest rates compared to our NAB Low Rate 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.

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Offer

120,000 bonus Qantas Points

  • 90,000 bonus points when you spend $3,000 on everyday purchases within the first 60 days of account opening and 30,000 bonus points when you keep your card for over 12 months.

  • You'll also enjoy a reduced annual card fee (from $395 to $295) for the first year.

Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

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NAB Rewards credit cards

Suitable for earning an unlimited amount of NAB Rewards Points each month to use on flights, products and more.

NAB Rewards Platinum Card

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

  • Six complimentary insurances, including international travel insurance

  • Earn up to 3 NAB Rewards Points per $1

  • Uncapped points earn

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

  • Special offers with Visa Premium Access and Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • NAB Concierge Service

  • 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 Signature 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.

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Offer

80,000 bonus NAB Rewards Points

  • 60,000 bonus points when you spend $1,000 on everyday purchases within the first 60 days of account opening and 20,000 bonus points when you keep your card for over 12 months. That’s enough for $390 in gift cards.

  • You’ll also enjoy a reduced annual card fee (from $195 to $95) for the first year.

Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

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NAB Rewards Signature Card

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

  • Six complimentary insurances, including international travel insurance

  • Earn up to 3.75 NAB Rewards Points per $1

  • Uncapped points earn

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

  • Special offers with Visa Premium Access and Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • NAB Concierge Service

  • Global assistance for card emergencies

Considerations

  • Higher interest rates compared to our NAB Low Rate Card.

  • Higher annual fee compared to our other cards.

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

Help me choose a card
Offer

140,000 bonus NAB Rewards Points

  • 100,000 bonus points when you spend $3,000 on everyday purchases within the first 60 days of account opening and 40,000 bonus points when you keep your card for over 12 months. That’s enough for $680 in Gift Cards.

  • You’ll also enjoy a reduced annual card fee (from $295 to $195) for the first year.

Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

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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.

Credit card tools and calculators

Get help to choose the right card or help calculate savings with a balance transfer.

Help me choose a card

Choose the right credit card with our easy-to-use tool.

Compare cards tool

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

Balance transfer calculator

Save money by transferring your credit card balance.

Manage your card with the NAB app

  • Tap and pay for purchases with digital wallets.

  • Use card controls to turn on or off contactless payments, online purchases, and overseas transactions.

  • Block, unblock and reorder your card if it's lost or stolen.

  • Notify us if you're going overseas so we can protect your card.

Download the NAB app today

Help and support

We have guides and other resources to help you apply for a new credit card or manage an existing one.

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

Understanding credit cards

How to apply for a credit card online

Learn more about what you’ll need to apply for a NAB credit card.

How credit cards work

A guide to help you decide if a credit card is right for you and how to apply for one if it is.

Credit card or personal loan

Key differences between credit cards and personal loans.

Contact us

Visit a NAB branch

If you have any questions or are unable to apply online, visit us in branch – we’ll be happy to help.

Find a branch

Important Information

NAB Internet banking or the NAB app
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 August 2022.

Credit cards issued by National Australia Bank Limited.