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, plus the flexibility to make some business purchases (may be suitable for sole traders) to help you manage your cash flow needs.

  • 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 transfer or product transfers.

  • Rewards points or complimentary insurances.

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. Keep in mind, you can only apply for one NAB StraightUp Card.

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.

See what your monthly fee and minimum payment would be if you changed your credit limit.

Tips to apply online

Here’s a quick look at how to apply online, upload your documents and get started with your NAB StraightUp Card.

  1. Ensure you meet our online application criteria.
  2. Have your proof of income documents ready to speed up your application process.
  3. Have your personal NAB Internet Banking login details ready if you’re an existing customer. If you’re a new customer, have your identification (Australia driver’s licence, Medicare card, Australia passport or international passport) on hand.
  4. Allow up to 15 minutes to complete the application form and get a response in 60 seconds for conditional approval.

Apply online
A simple and digital process

  • 100% digital process for simplicity and speed when you need it most.
  • Apply without an ABN.
  • If approved, your physical card will arrive within five working days.
  • Use the NAB app or NAB Internet Banking to activate and set up your new card your way.

Credit card tools and calculators

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

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 options to consider

If you’re looking to use a credit card mostly for business spending, we have a range of business products that may suit your needs.

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.

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.