Why you'll love this card

No surprise charges

You’ll pay no interest or late payment fees – just a simple monthly 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.

No foreign currency fees

Save money with no fees on international purchases (online and overseas).

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.

$1000

Credit limit

$35 minimum monthly payment
($10 monthly fee included in your balance)

$2000

Credit limit

$75 minimum monthly payment
($15 monthly fee included in your balance)

$3000

Credit limit

$110 minimum monthly payment
($20 monthly fee included in 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.

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.

Frequently asked questions

What is the NAB StraightUp Card?

It’s a credit 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.

What credit limits are available on the NAB StraightUp Card?

The NAB StraightUp Card comes with three credit limits options when you first apply. Each limit comes with a fixed monthly fee and minimum monthly payment. It’s important that you choose a preferred limit that you can afford.

When you apply you may need to provide bank statements or payslips which we’ll use to assess your application and ensure the limit you’ve applied for is not unsuitable for you.

How do I change my credit limit?

Once approved for a NAB StraightUp Card, you can request to change your limit at any time in the NAB app or NAB Internet Banking. See more information about requesting a limit change on the NAB StraightUp Card.

How do I know what I need to pay each month?

The NAB StraightUp Card has a fixed minimum monthly payment based on your credit limit, so the minimum amount you’ll need to pay each month won’t change unless you change your credit limit. However, if your outstanding balance at the end of your statement period is less than your minimum monthly payment you’ll need to pay at least that amount instead.

You should consider paying more than the minimum payment if you can. Your minimum payment will be shown on your statement and it will also tell you how long it’ll take to pay off your outstanding balance if you’re only making the minimum payment each month.

Where can I use the NAB StraightUp Card?

You can use your NAB StraightUp Card everywhere Visa is accepted – this includes online or overseas purchases.

On a standard credit card, you’re able to withdraw cash or complete gambling transactions. However, the NAB StraightUp Card comes with additional blocks on these types of transactions – helping you stay in control.

Cash advance block

Cash advances include withdrawing cash or transferring money from your credit card to another account. They also include other transactions that we consider to be the equivalent of withdrawing cash from your account, such as the purchase of traveller’s cheques or other substitutes for cash (such as crypto-currency).

In some limited situations, the cash advance block may not apply. This includes where we’re unable to identify a cash advance transaction because of the way the merchant classifies it, when our systems are down or when the merchant terminal is unable to obtain online authorisations. The cash advance block will not apply where you complete the transaction through a linked transaction account and ‘SAV’ or ‘CHQ’ is selected.

Gambling transactions are blocked

This is in place to give you greater control over your spending. This restriction blocks most gambling transactions including sports betting, casino games, lottery operators and online gambling (and includes gambling refunds and winnings). It will apply where you tap to pay, or select ‘Credit’ or ‘CR’ or use your card number to complete the transaction.

In some limited situations, gambling transactions may not be blocked. This includes where you complete the transaction through a linked transaction account and ‘SAV’ or ‘CHQ’ is selected, transactions with merchants who are not identified by us as gambling merchants, transactions made when our systems are down or when the merchant terminal is unable to obtain online authorisations.

What else do I need to know about the NAB StraightUp Card?

  • Balance transfers, additional cardholders and product transfers are unavailable on the NAB StraightUp Card.
  • You can only apply for one NAB StraightUp Card.

Important information

^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.