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, $20 or $30 depending on your credit limit.
NAB StraightUp card

- 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.
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
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No interest charges or other fees, including foreign currency fees and late payment fees
Cons
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No rewards program or perks
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Unable to make cash advances
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Maximum available credit limit of $3,000 is low compared to standard credit cards
Details
Product details
Product Name | NAB StraightUp Card |
Purchase rate p.a. | Purchase rate p.a.0% |
Interest-free days | - |
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 | Annual fee $0 |
Late payment fee | $0 |
Foreign currency conversion fee | Foreign currency conversion fee 0% |
Your reviews

Amy Finder
Journalist
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Angus Kidman Finder
February 05, 2025
Hi Leslie, The general consensus is that many stores in Morocco simply don’t accept credit cards at all – it’s not particularly an issue of whether it’s Mastercard or Visa. So if you’re planning a trip, you’ll want to get some dirham in advance for everyday expenses.
Beyond that, using a separate card from your main Australian credit card can be a useful strategy when travelling, since if there are any issues with card security or skimming, it won’t disrupt existing payments. The StraightUp is an option to consider for this, since you won’t be paying fees when not using it. Just remember that you’ll need to pay it off in full to avoid fees and charges.
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Jane
October 14, 2024
I am looking for a credit card to use when abroad or booking international travel.
I will pay this card off monthly, just trying to avoid international transaction fees. Is there a better product or solution?

Angus Kidman Finder
October 15, 2024
Hi Jane, There are lots of options for credit cards with no international transaction fees – check out our roundup. Hope this helps.

Raymond
August 19, 2024
If I commence with say $500 credit in my account and I make small purchases totalling less the account balance of $500 then will this assure that I will be charged no fees whatsoever?
Ongoing can I transfer from other accounts sums of money to ensure that my account is always in credit and pay no fees on those deposits ?
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Angus Kidman Finder
September 22, 2024
Hi Raymond, The fee is charged whenever you use the account – so even if it’s in credit, if you’ve used it for a purchase, the monthly fee will apply. If your goal is no fees whatsoever and only spending your own money, you’d potentially be better off with a debit card – check out our pick of the best current debit cards offers.
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Sandy
May 17, 2024
I am a Retiree a permanent Resident here in Australia,originally from New Zealand, I have been here for over 30 years ,Currently 72 years of age ,Problem for me is in order to travel these days we require a Credit Card which I don’t have,my Retirement is through Centrelink Australian $ 1,100 a fortnight,I own everything Cars,house full of furniture ect Caravan.Never required a Card before 🙂
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Angus Kidman Finder
September 23, 2024
Hi Sandy, yes, travel without a credit card can be tricky – many hotels insist on one to secure a room booking. In this context, a no annual fee card with a low credit limit might be an option to consider.
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Graham
April 26, 2024
Retired. Can you still get this card on an Australian pension

Sarah Megginson Finder
June 26, 2024
Hi Graham,
Because this is a credit product, your eligibility it depends on a range of factors, including your income, expenses and debt levels. You can contact NAB on 13 22 65 if you wish to discuss your eligibility based on your personal situation.
Leslie
February 04, 2025
Hi, I’m going to Morocco in April . I understand that Mastercard is not accepted in most places. I have a Westpac account. Is this a suitable account for me? Leslie