No interest credit card

Our no interest credit card with no surprise charges – all for a simple monthly fee. Find out more about using the NAB StraightUp Card, opens in new window for your personal purchases with some business spending (may be suitable for sole traders ).

NAB StraightUp Card

No interest, late payment fees or international transaction fees, just a simple monthly fee.

Credit limit

$1,000

$10 monthly fee

Credit limit

$2,000

$15 monthly fee

Credit limit

$3,000

$20 monthly fee

Benefits
  • One credit card for personal, everyday spending

  • No interest

  • Minimum monthly payment based on your credit limit

  • No late payment or international (online and overseas) transactional fees

  • No use, no pay (monthly fee reversed if balance is $0 for the whole statement period)

  • Special offers with Visa Entertainment, opens in new window including pre-sale tickets and member promotions

Considerations
  • Restrictions on cash advances and gambling transactions.

  • No additional cardholders.

  • No rewards points or complimentary insurances.

  • No balance transfers.

How NAB StraightUp works

  1. Choose a credit limit that suits you from three available options (easily change your limit through the NAB app anytime).

  2. No interest ever, just a flat monthly fee.

  3. Your fee is included in your minimum monthly payment.

  4. Your monthly fee is reversed if you don’t make any purchases and have an outstanding balance of $0 during the whole statement period.

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Low interest rate credit card offers

Your choice of offers to suit your credit needs, select either our promotional balance transfer offer or our cashback offer. May suit if you are not likely to pay off your closing balance in full every month.

NAB Low Rate Card balance transfer offer

Looking to transfer your existing credit card or store card debt to a new NAB credit card? Enjoy our promotional balance transfer offer for 28 months.

Minimum limit

$1,000

Annual card fee

$ 30 p.a.

Variable purchase rate

13.49 % p.a.

Benefits
  • Our lowest interest rate on purchases

  • Up to 55 interest free days on purchases

  • Special offers with Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • Global assistance for card emergencies

Considerations
  • Higher annual card fee than the NAB Low Fee Card.

  • You won’t earn rewards points.

  • No complimentary insurances.

Offer

0% p.a. on balance transfers for 28 months with 2% BT fee, plus ongoing reduced annual fee

  • Enjoy 0% p.a. on balance transfers for 28 months on a new NAB Low Rate Card.

  • 2% BT fee applies. Unpaid BT reverts to the variable cash advance rate.
    We can’t process balance transfers from certain issuers – see our indicative list.

  • Enjoy no annual fee for the first year and a reduced annual card fee (from $59 to $30) thereafter.

As an existing customer, you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

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NAB Low Rate Card cash back offer

Looking for a credit card that not only offers a low interest rate but provides $300 cashback?

Minimum credit limit

$1,000

Annual card fee

$ 30 p.a.

Variable purchase rate

13.49 % p.a.

Benefits
  • Our lowest interest rate on purchases

  • Up to 55 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

    We can’t process balance transfers from certain issuers – see our indicative list.

  • Special offers with Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • Global assistance for card emergencies

Considerations
  • Higher annual card fee than the NAB Low Fee Card.

  • You won’t earn rewards points.

  • No complimentary insurances.

Offer

 $300 cashback, plus ongoing reduced annual fee

  • $300 cashback when you spend $1,500 on purchases within 90 days from account opening.

  • Enjoy a reduced annual card fee (from $59 to $30) for the life of the card.

As an existing customer, you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Purchases must be processed and charged to your account in the 90-day period from account opening to count towards the spend criteria.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

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Low annual fee credit cards

May suit if you want a low fee card, with a choice of standard or platinum benefits.

NAB Low Fee Card

A no-frills card with our lowest annual fee and access to special offers, complimentary purchase protection insurance  and fraud protection.

Minimum credit limit

$1,000

Annual card fee

$ 30 p.a.

Variable purchase rate

19.74 % p.a.

Benefits
  • Our lowest annual fee card

  • Purchase Protection Insurance on personal items for loss, theft, or accidental damage

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

    We can’t process balance transfers from certain issuers – see our indicative list.

  • Special offers with Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • Global assistance for card emergencies

Considerations
  • You won’t earn rewards points.

  • Higher interest rates compared to our NAB Low Rate Card

Offer

Enjoy $200 cashback

  • $200 cashback when you spend $1,500 on purchases within 90 days from account opening.

  • $30 annual card fee

Purchases must be processed and charged to your account in the 90 day period from account opening to count towards the spend criteria.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

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NAB Low Fee Platinum Card

Our lowest annual fee platinum card with premium concierge services, special deals and complimentary insurances.

Minimum credit limit

$6,000

Annual card fee

$ 90 p.a.

Variable purchase rate

19.74 % p.a.

Benefits
  • Complimentary insurances, including international travel insurance

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

    We can’t process balance transfers from certain issuers – see our indicative list.

  • Special offers with Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • NAB Concierge Service

  • Global assistance for card emergencies

Considerations
  • You won’t earn rewards points.

  • Higher interest rates compared to our NAB Low Rate Card

0% p.a. on balance transfers (BT) for 12 months

  • Enjoy 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

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NAB Qantas Rewards credit cards

Suitable for earning Qantas Rewards Points for flights, products and more.

NAB Qantas Rewards Premium Card

Earn Qantas Points and enjoy platinum services and complimentary insurances

Minimum credit limit

$6,000

Annual card fee

$ 150 p.a.

Variable purchase rate

20.99 % p.a.

Benefits
  • Complimentary insurances, including international travel insurance

  • Free Qantas Frequent Flyer membership (a saving of $99.50).

  • Earn 1 bonus point for every dollar on eligible Qantas services.

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

    We can’t process balance transfers from certain issuers – see our indicative list.

  • Special offers with Visa Premium Access and Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • NAB Concierge Service

  • Global assistance for card emergencies

Earning Points
  • Earn 1 Qantas Point per $1.50 up to $3,000 on everyday purchases using your Visa card

  • Earn 1 Qantas Point per $3 from $3,001 to $6,000 on everyday purchases using your Visa card

  • Earn 1 bonus Qantas Point for every dollar on eligible Qantas services

Considerations
  • Capped monthly points earn compared to our NAB Rewards cards.

  • Higher interest rates compared to our NAB Low Rate Card

  • Lower points earn per dollar compared to our NAB Qantas Signature Card.

  • Higher annual fee compared to some of our other cards.

Offer

Up to 70,000 bonus Qantas Points, plus ongoing reduced annual card fee

  • 60,000 bonus points when you spend $2,000 on everyday purchases within the first 60 days of account opening and 10,000 bonus points when you keep your card for over 12 months.

  • Enjoy a reduced annual card fee (from $250 to $150) for the life of the card.

As an existing customer, you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

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NAB Qantas Rewards Signature Card

Our highest Qantas Points earn rate with platinum services and complimentary insurances

Minimum credit limit

$15,000

Annual card fee

$ 295 p.a.

Variable purchase rate

20.99 % p.a.

Benefits
  • Complimentary insurances, including international travel insurance

  • Free Qantas Frequent Flyer membership (a saving of $99.50).

  • Earn 1 bonus point for every dollar on eligible Qantas services.

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

    We can’t process balance transfers from certain issuers – see our indicative list.

  • Special offers with Visa Premium Access and Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • NAB Concierge Service

  • Global assistance for card emergencies

Earning Points
  • Earn 1 Qantas Point per $1 up to $5,000 on everyday purchases using your Visa card

  • Earn 0.5 Qantas Point per $3 from $5,001 to $20,000 on everyday purchases using your Visa card

  • Earn 1 bonus Qantas Point for every dollar on eligible Qantas services

Considerations
  • Capped monthly points earn compared to our NAB Rewards cards.

  • Higher interest rates compared to our NAB Low Rate Card

  • Higher annual fee compared to some of our other cards.

Offer

Up to 120,000 bonus Qantas Points, plus ongoing reduced annual card fee

  • 90,000 bonus points when you spend $3,000 on everyday purchases within the first 60 days of account opening and 30,000 bonus points when you keep your card for over 12 months.

  • Enjoy a reduced annual card fee (from $395 to $295) for the life of the card.

As an existing customer, you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

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NAB Rewards credit cards

Suitable for earning an unlimited amount of NAB Rewards Points each month to use on flights, products and more.

NAB Rewards Platinum Card

Earn NAB Rewards Points and enjoy platinum services and complimentary insurances

Minimum credit limit

$6,000

Annual card fee

$ 95 p.a.

Variable purchase rate

20.99 % p.a.

Benefits
  • Complimentary insurances, including international travel insurance

  • Earn up to 2 NAB Rewards Points per $1

  • Uncapped points earn

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

    We can’t process balance transfers from certain issuers – see our indicative list.

  • Special offers with Visa Premium Access and Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • NAB Concierge Service

  • Global assistance for card emergencies

Ways to reward yourself
  • Redeem for $580 in gift cards from a range of popular brands including Coles, Woolworths, Bunnings, JB HiFi and more

  • Redeem for $600 with Webjet on flights, selected hotels and holiday packages

  • Redeem for $480 in cash back directly into your NAB bank account or NAB Rewards card

Earning NAB Rewards Points
  • Earn 1 NAB Rewards Point for every $1 spent on everyday purchases.

  • Earn 1.5 NAB Rewards Points for every $1 on purchases made at eligible Grocery stores

  • Earn 2 NAB Rewards Points for every $1 spent with Webjet

Considerations
  • Higher interest rates compared to our NAB Low Rate Card

  • Lower point earn rate compared to our NAB Rewards Signature Card.

  • Higher annual fee compared to some of our other cards.

Offer

Up to 120,000 bonus NAB Rewards Points, plus ongoing reduced annual card fee

  • 90,000 bonus points when you spend $1,000 on everyday purchases within the first 60 days of account opening and 30,000 bonus points when you keep your card for over 12 months. That’s enough for $580 in gift cards.

  • Reduced annual card fee (from $195 to $95) for the life of the card.

As an existing customer, you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

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NAB Rewards Signature Card

Our highest NAB Rewards Points earn rate with premium services and complimentary insurances

Minimum credit limit

$15,000

Monthly card fee

$ 24 p.m.

Variable purchase rate

20.99 % p.a.

Benefits
  • Monthly fee waiver

  • Fee-free international transactions

  • Uncapped points earn

  • Earn up to 3 NAB Rewards Points per $1

  • Complimentary insurances, including international travel insurance

  • Complimentary mobile phone insurance

  • Complimentary delayed flight lounge pass

  • Add an additional cardholder at no extra cost 

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

    We can’t process balance transfers from certain issuers – see our indicative list.

  • Fraud and theft protection with world class security technologies

  • Global assistance for card emergencies

  • NAB Concierge Service

  • Special offers with Visa Premium Access and Visa Entertainment, opens in new window including pre-sale tickets and member promotions

Ways to reward yourself
  • Redeem for $880 in gift cards from a range of popular brands including Coles, Woolworths, Bunnings, JB HiFi and more

  • Redeem for $900 with Webjet on flights, selected hotels and holiday packages

  • Redeem for $720 in cash back directly into your NAB bank account or NAB Rewards card

Earning NAB Rewards Points
  • Earn 1.5 NAB Rewards Points per $1 spend on everyday purchases up to $15,000 spend in a Rewards Statement period (calendar month), then 0.5 NAB Rewards Points per $1 spend, uncapped. 

  • Earn 3 NAB Rewards Points per $1 spend with Webjet, regardless of total spend in a Rewards Statement period (calendar month) . 

Considerations
  • Higher interest rates compared to our NAB Low Rate Card

  • Higher annualised monthly fee compared to some of our other cards

Offer

180,000 bonus NAB Rewards Points

  • 130,000 bonus points when you spend $3,000 on everyday purchases within the first 60 days of account opening and 50,000 bonus points when you keep your card for over 12 months. That’s enough for $880 in gift cards.

  • Plus, a $24 monthly card fee, reversed if you spend $5,000 or more in a statement period.

As an existing customer, you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

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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. 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. National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.

NAB Credit Card Terms and Conditions

NAB Electronic Banking (card based) terms and conditions

NAB Credit Card Cover Product disclosure statement and policy document (PDF, 471KB), opens in new window

Personal banking fees – A guide to fees and charges (PDF, 153KB), opens in new window

Indicator rates for other personal lending products