What is the NAB StraightUp Card?
Unlike most credit cards, the NAB StraightUp Card comes with zero interest or other charges – just a simple monthly fee and minimum monthly payment based on your credit limit. You’ll also enjoy no fees on international purchases and you can use it anywhere Visa is accepted.
The NAB StraightUp Card gives you a set amount of funds (called a 'credit limit’) which you can borrow from at any time. How much credit is available to you will vary depending on how much of your credit limit you have used by making purchases (this is also known as your ‘available balance’).
NAB StraightUp Card features
Designed with simplicity and transparency in mind, here are some of the great benefits of our no interest credit card and some important exclusions.
What's included
What's not included
Credit limit options
You can choose one of three preferred credit limits when you first apply. Each one comes with a fixed monthly fee and a minimum monthly payment which goes toward paying off any outstanding balance. It's important to choose a preferred limit that you can afford.
Credit limit
$1,000
$35 minimum monthly payment
($10 monthly fee added to your balance)
Credit limit
$2,000
$75 minimum monthly payment
($15 monthly fee added to your balance)
Credit limit
$3,000
$110 minimum monthly payment
($20 monthly fee added to your balance)
Remember, if you don't make any purchases and have an outstanding balance of $0 during the whole statement period, we'll reverse your monthly fee.
Wanting to make some business purchases on this card?
This card may be suitable for the needs of sole traders
to help you combine your personal purchases with some business spending.
Find out how you can better manage your business cash flow with the NAB StraightUp Card.
Apply online simply and easily
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Complete the online application form.
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Get a response in 60 seconds.
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If approved, your card will arrive within five days.
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Activate your card and download the NAB app.
Credit card tools and calculators
Need help finding the right card? We have some handy tools to help.
Understanding credit cards
Here are some handy guides to help you better understand how credit cards work.
Help and support
We're here to help. Use our guides and support services to better manage your money.
Other ways we can help
Use our help guides, FAQs and other support services to help you manage your banking more easily.
Other bank accounts and products to consider
Still looking? Here are a few more options to consider to help you with your everyday banking needs.
Get in touch
Visit a NAB branch
Visit your nearest NAB branch to speak to us in person.
Terms and Conditions
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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 StraightUp Card Terms and Conditions apply. Monthly fee may be payable. Approval and credit limit are subject to NAB's credit assessment criteria. Information, including fees are subject to change.
NAB StraightUp Card, NAB Internet Banking and NAB App issued by National Australia Bank Limited.
Target Market Determinations for these products are available at nab.com.au/TMD.
Credit cards terms and conditions apply. Personal interest rates fees and charges are payable.