In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates and fees
  • Your reviews
  • Ask a question
Finder makes money from featured partners, but editorial opinions are our own.
NAB StraightUp Card
Terms and conditions apply
Annual fee
$0 p.a.

Our verdict

The first no interest credit card in Australia that charges a monthly fee when you’re paying off a balance instead.

The NAB StraightUp card is very different to most credit cards because it never charges interest on your balance. You can still pay off purchases over time, as long as you make the minimum repayments. You have the option of paying more off whenever you want. This structure makes the NAB StraightUp an option you could consider if you’re looking at credit cards, charge cards or even buy now pay later services.

Pros

  • Charges a monthly fee based on your selected credit limit
  • If you don't carry a balance or make purchases, the monthly fee will be reversed
  • No interest charges or other fees, including foreign currency fees and late payment fees

Cons

  • No rewards program or perks
  • Unable to make cash advances
  • Maximum available credit limit of $3,000 is low compared to standard credit cards

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates and fees
  • Your reviews
  • Ask a question

The NAB StraightUp card is a simple alternative to buy now, pay later and traditional credit cards. It gives you a way to buy what you want now and pay it off over time – without any interest charges. Instead, you’ll pay a monthly fee whenever you carry a balance, with a cost of $10, $15 or $20 depending on your credit limit.

Details

Product details

Product Name NAB StraightUp Card
Purchase rate p.a.
0%
Interest-free period
Min credit limit $1,000
Max credit limit $3,000
Card type Visa

Eligibility

Available to temporary residents Yes - Conditions apply
Joint application No

Rewards

Bonus points N/A

Fees

Annual fee
$0
Late payment fee $0
Foreign currency conversion fee
0%

Congratulations, NAB!

NAB StraightUp Card received the highly commended award for 'Travel Credit Card' in the 2024 Product Awards.

Full list of 2024 winners

How to apply

You can apply for the NAB StraightUp card online by filling in a secure application form. Before you get started, make sure you meet the eligibility criteria and have all the documents and details you need to complete the application.

Eligibility criteria

  • Income. You must earn a regular income.
  • Australian residency. You must be an Australian or New Zealand citizen, an Australian permanent resident or a non-resident holding an eligible temporary visa. Visas that are not eligible include working holiday visas, student visas, seasonal visas and bridging visas.

Card benefits

  • No interest, ever. This card offers 0% interest on all purchases, even when you carry a balance. But you are still required to pay at least the minimum amount listed on each statement by the due date. Note that you can use this card for everyday purchases, including for BPAY services. But you can't use it for balance transfers, cash advances or gambling.
  • 44-day statement cycle. With this card, you have 44 days between the start of a statement period and the payment due date. This is a similar structure to other credit cards or charge cards, although the number of days can vary with other options.

Rates and fees

  • Monthly fee. A $10 monthly fee applies for a $1,000 limit, a $15 monthly fee applies for a $2,000 limit and a $20 monthly fee applies for a $3,000 limit. This fee is charged each month when you use the card or have a balance from previous months.
  • Minimum payments. The minimum amount you have to pay off a balance on this card is determined by your credit limit. It is $35 per month for a $1,000 credit limit, $75 for a $2,000 credit limit and $110 for a $3,000 credit limit. Minimum payments factor in the cost of the monthly fee and must be paid by the due date listed on each statement.

Your reviews

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Amy Finder

Editor

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Avatar

Nathalie

January 23, 2024

Hi can my husband and I apply for a card in joint names?


Avatar

Jason Loewenthal Finder

January 26, 2024

Hi Nathalie,


This card doesn’t allow joint accounts or additional cardholders.


We have a guide about joint credit cards.


I hope that helps.


Avatar

CHARLIE

January 22, 2024

Can a recipient on a Centrelink Carer’s allowance who earns $21500 P/A apply for this card ? Can someone who does not have a credit rating get this card?


Avatar

Sarah Megginson Finder

January 30, 2024

Hi Charlie,


We can’t offer personal advice or customer service, so your best bet is to contact NAB and check your eligibility for this card.


As an alternative, you may be eligible for a 0% interest loan worth up to $3000 from Good Shepherd.


Hope this helps!


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Kerry-anne

January 22, 2024

I’m a pensioner and have a car loan but I own my own home am I eligible for a credit card?


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Richard Whitten Finder

January 22, 2024

I suggest contacting NAB directly with this enquiry. Your eligibility depends on many factors.


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Tony

January 18, 2024

Can I add money to my NAB Straight Up card, before I first use the card overseas, to cover the first monthly fee payment?


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Sarah Megginson Finder

March 25, 2024

Hi Tony, yes this is fine to add money to the account before you travel.


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April

January 11, 2024

I am self employed for the last 4 years. I don’t have pay stubs as I am a contractor but I can prove I have income every week (1,000-2,000) would I be eligible for a credit card?


Avatar

Amy Bradney-George Finder

January 15, 2024

Hi April,

Yes, contractors and self-employed people can still apply for a credit card if they meet the eligibility requirements. You’ll typically be asked for supporting documentation such as your most recent ATO tax assessment notices, bank statements or other official documents to confirm the details. Banks and other credit card companies may include details on their websites, or you can contact them to check what’s required before you apply. Finder’s guide to credit cards for self-employed people has some more details that may be applicable too. I hope this helps.


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