Features and benefits

The NAB StraightUp Card offers a range of great benefits that you'll love for personal, everyday spending.

No surprise charges

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

No use means 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).

Things to consider

We want to help you choose the right card, so here are a few things to consider about this card before you apply.

  1. You won’t earn rewards points

  2. No complimentary insurances

  3. Restrictions on cash advances and gambling transactions

  4. No additional cardholders

  5. No balance transfers

This card may be suitable for the needs of sole traders to help you combine your personal purchases with some business spending. Find out how you can better manage your business cash flow with the NAB StraightUp Card.

Credit limit options

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.

Credit Limit Minimum monthly payment
$1,000
$35 minimum monthly payment
($10 monthly fee added to your balance)
$2,000
$75 minimum monthly payment
($15 monthly fee added to your balance)
$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.

Applying is easy

  1. You need to be at least 18 years old to apply

  2. Complete your application in 15 minutes and get a response in 60 seconds

  3. You may be asked to provide payslips or bank statements

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.

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.

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 5 February 2022.

Credit cards issued by National Australia Bank Limited.