Eligibility Check you're eligible to apply online
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You're 18 years or older.
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You receive a regular income.
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You’re an Australian resident for tax purposes.
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You're an Australian or New Zealand citizen, Australian Permanent Resident or non-resident holding an acceptable Temporary Residency Visa.
Read important information for visa categories that are not acceptable.
Have these items ready
Are you an existing or new customer?
Existing
Save time and use your NAB Internet Banking login to pre-fill your personal and financial information (this may include debts you have with other financial institutions).
Be prepared and have the following documents and information ready before you start your application.
New
Be prepared and have the following documents and information ready before you start your application.
How to apply
Apply online today and start using your card in a few easy steps.
Step 1. Applying online is easy
Allow up to 15 minutes to complete the application form and get a response in 60 seconds.
Step 2. We’ll verify your application
If you’re conditionally approved, we may ask you for additional information or documentation, such as payslips or bank statements.
Step 3. Receive and activate your card
If approved, your physical card will arrive at your residential address within five to seven working days, or up to ten working days if you requested the card be sent to a branch. Activate and set up your new card using the NAB app or NAB Internet Banking.
Credit limit options and fees
Choose one of three preferred credit limits when you apply for a NAB StraightUp Card. Each limit features a fixed monthly fee and a minimum monthly payment which goes toward paying off any outstanding balance.
| Monthly card fee | Minimum monthly payment | |
|---|---|---|
| Credit limit of $1,000 | Monthly card fee $10 (added to your balance) |
Minimum monthly payment $35 |
| Credit limit of $2,000 | Monthly card fee $15 (added to your balance) |
Minimum monthly payment $75 |
| Credit limit of $3,000 | Monthly card fee $20 (added to your balance) |
Minimum monthly payment $110 |
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.
Not the right card for you? We can help you choose a different one.
Ready to apply?
If you've checked you're eligible to apply and have all your documents ready, let's get started.
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 13 February 2024.
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.
Credit cards terms and conditions apply. Personal interest rates fees and charges are payable.