Important This product is no longer for sale

The NAB StraightUp Card terms and conditions (effective 18 April 2024) are still applicable for customers who hold an existing NAB StraightUp Card.

Overview

  • Zero interest charges
  • Simple monthly fee
  • Minimum monthly repayment based on your credit limit
  • No fees on international purchases
  • Use it anywhere Visa is accepted

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. And we'll reverse this fee if you don't make any purchases and have an outstanding balance of $0 during the whole statement period

  • 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
($20 monthly fee added to your balance)

Credit limit

$3,000

$110 minimum monthly payment
($30 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.

Credit card tools and calculators

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

Understanding credit cards

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

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 bank accounts and products to consider

Still looking? Here are a few more options to consider to help you with your everyday banking needs.

Get in touch

Visit a NAB branch

Visit your nearest NAB branch to speak to us in person.

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.

Fees and charges
Read our credit card terms and conditions. Credit card 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 today.

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.

Credit cards terms and conditions apply. Credit card fees and charges are payable.