Before starting your application, let’s make sure you meet our eligibility criteria and have the right documentation ready.

If you're an existing NAB customer, save time by using your NAB ID. This means your application will have:

  • pre-filled personal details
  • pre-filled NAB financial details.


Credit limit options

The below table explains the credit limits, monthly fee and minimum monthly payment amounts.

You’ll have a chance to choose your preferred credit limit when you start the application form.

Credit limit options for NAB StraightUp Card
Credit limit Monthly fee Minimum monthly payment
$1,000 Monthly fee $10 Minimum monthly payment $35
$2,000 Monthly fee $15 Minimum monthly payment $75
$3,000 Monthly fee $20 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.

man is holding a checklist

Check you’re eligible to apply online

  • I am 18 years or older.
  • I am an Australian or New Zealand Citizen, an Australian Permanent Resident or a non-resident holding an acceptable Temporary Residency Visa.*
  • I receive a regular income.
Have these items ready

Have these items ready

  • Your NAB ID which is located on the back of your NAB card. If you’re a new customer and don’t have a NAB ID you can still apply, but you may be required to visit a branch to verify your identity.
  • Driver’s licence number (if you have one) and personal details.
  • Employment details for the past three years.
  • Your financial information, including income, expenses, assets and debts.

Please note there’s no need to upload any documents in the application form, but we may ask you for them later in the process. You’ll also be asked to set a limit for the amount of credit you want for your card.

What's the process

  • Step 1 Apply online

    Allow up to 15 min to complete the application form.

  • Step 2 Fast outcome

    Get a response in 60 seconds for a conditional approval. If your application is conditionally approved, it’s then subject to verification.

  • Step 3 Processing your application

    To verify your application, we may ask you for additional information or documentation, such as payslips or bank statements.

  • Step 4 Receive your card

    If approved, your physical card will arrive within five working days. Activate it by using the NAB app or NAB Internet Banking, calling us or visiting a branch.^

  • Step 5 Start using your card

    Set up your digital wallet and use this card anywhere Visa is accepted, including for overseas and online purchases.

Are you ready?

Important information

*The following Visa categories are not acceptable:

Visitor Visa (exception, a Special Category Visa – NZ Citizen is acceptable)
Working Holiday Visa
Student Visa
Exchange or gap year visa
Transit, short stay or seasonal visa
Bridging Visa.

^NAB app and internet banking

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 products. 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.

NAB StraightUp Card Terms and Conditions (PDF, 2.3MB) 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.