No interest rate card

Our no interest credit card with no surprise charges – all for a simple monthly fee.

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
  • No interest

  • Fixed minimum monthly payment based on your credit limit

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

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

  • Fraud and theft protection with world class security technologies

  • Global assistance for card emergencies

Considerations
  • You won’t earn rewards points.

  • No complimentary insurances.

  • Restrictions on cash advances and gambling transactions

  • No additional cardholders

  • No balance transfers

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

How NAB StraightUp works

  1. Choose a suitable credit limit from three options (easily change your limit through the NAB app anytime).

  2. Pay a flat monthly fee instead of interest.

  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 card

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

Our lowest interest rate on purchases with no frills.

Minimum limit

$ 1,000

Annual card fee

$ 59

Standard 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 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.

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.

  • 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 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 insurance  and fraud protection.

Minimum credit limit

$ 1,000

Annual card fee

$ 30

Standard 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 6 months standard balance transfer rate.  2% balance transfer fee applies. Unpaid balance transfer reverts to 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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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

Standard 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 6 months standard balance transfer rate.  2% balance transfer fee applies. Unpaid balance transfer reverts to 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.

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NAB Qantas Rewards 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

Standard 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 Qantas Point per $1.50 on everyday purchases

  • Up to 44 interest free days on purchases

  • 0% p.a. for 6 months standard balance transfer rate.  2% balance transfer fee applies. Unpaid balance transfer reverts to 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.

Offer

65,000 bonus Qantas Points

  • When you spend $2,500 on everyday purchases within 60 days of account opening.

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

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Our highest Qantas Points earn rate with platinum services and complimentary insurances

Minimum credit limit

$ 15,000

Annual card fee

$ 395

Standard 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 Qantas Point per $1 on everyday purchases

  • Up to 44 interest free days on purchases

  • 0% p.a. for 6 months standard balance transfer rate.  2% balance transfer fee applies. Unpaid balance transfer reverts to 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.

Offer

110,000 bonus Qantas Points

  • 90,000 bonus points when you spend $3,000 on everyday purchases within the first 60 days of account opening and 20,000 bonus points when you keep your card for over 12 months.

  • 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 cards

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

Earn NAB Rewards Points and enjoy platinum services and complimentary insurances

Minimum credit limit

$ 6,000

Annual card fee

$ 195

Standard 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 6 months standard balance transfer rate.  2% balance transfer fee applies. Unpaid balance transfer reverts to 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.

Offer

60,000 bonus NAB Rewards Points

  • When you spend $1,000 on everyday purchases within 60 days of account opening.

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

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Our highest NAB Rewards Points earn rate with platinum services and complimentary insurances

Minimum credit limit

$ 15,000

Annual card fee

$ 295

Standard 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 6 months standard balance transfer rate.  2% balance transfer fee applies. Unpaid balance transfer reverts to 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.

Offer

120,000 bonus NAB Rewards 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.

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

Tap and pay with the smartphones and wearables you already own and use everyday.

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.

Credit card offers

Choose from a range of credit card offers to suit your lifestyle.

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

  • 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.

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.

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. Products issued by NAB.

Fees and charges
Terms and conditions available here. 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 19 July 2021.

Credit cards issued by National Australia Bank Limited.