What is the NAB StraightUp Card?

It’s a card with 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’).

Unlike most credit cards, the NAB StraightUp Card comes with no interest or other charges – just a simple monthly fee and minimum monthly payment based on your credit limit.

Learn more about how a no interest credit card works.

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

  • One credit card for personal, everyday spending

  • No surprise charges - just a simple monthly card fee

  • No use no pay - 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

  • Save money with no fees on international purchases (online and overseas)

  • Fixed minimum monthly repayments based on your credit limit

  • Accepted anywhere Visa is accepted including overseas and online

What's not included

  • Cash advances or gambling transactions

  • Additional cardholders

  • Balance transfers or product transfers

  • Rewards points or complimentary insurances

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.

Learn more about credit limits and fees

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

  1. Complete the online application form.

  2. Get a response in 60 seconds.

  3. If approved, your card will arrive within five days.

  4. Activate your card and download the NAB app.

When you apply you may need to provide bank statements or payslips which we’ll use to assess your application and ensure the limit you’ve applied for is not unsuitable for you.
Apply now
Learn more about applying for a credit card

Credit card tools and calculators

Need help finding the right card? We have some handy tools to help.

Help me choose a card

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

Compare credit cards

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

Understanding credit cards

Here are some handy guides to help you better understand how credit cards work.

No interest credit cards

Learn more about the differences between a regular credit card and no interest credit cards.

How do 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.

How to manage your credit card's credit limit

Read how to change or manage your credit card's credit limit.

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.

View our help and support hub

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.

Credit cards

Compare between our credit cards to find the right one for you.

NAB Classic Banking account

However you bank, you’ll pay no monthly account fees, ever. Spend more on what’s important to you.

NAB Now Pay Later is coming soon

Make purchases online or in store with NAB Now Pay Later. Four easy instalments with no interest or fees.

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

Terms and Conditions

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.

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.