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
How does the NAB StraightUp Card work?
Like other credit cards, the NAB StraightUp Card has a credit limit that you can use at any time. How much credit you have available will depend on how much you’ve already used. The difference with the NAB StraightUp card is that it has no interest and has a monthly fee instead of an annual fee. The monthly fee will depend on what credit limit you have.
The NAB StraightUp Card can be used for both personal and some business expenses. This card may be suitable for sole traders, self-employed and small business owners.
Keep in mind, you can only apply for one NAB StraightUp Card.
What the NAB StraightUp Card can be used for
In addition to bill and everyday expenses, this card can be used for some business expenses, such as:
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.
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.
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.