NAB StraightUp card

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 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.

0% p.a.

Purchase rate

$0 p.a.

Annual fee

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Product NameNAB StraightUp Card
Purchase rate0% p.a.
Annual fee$0
Interest-free period
Min credit limit$1,000
Max credit limit$3,000
Card typeVisa
Foreign currency conversion fee0%
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • 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


  • No rewards program or perks
  • Unable to make cash advances
  • Maximum available credit limit of $3,000 is low compared to standard credit cards
Bonus pointsN/A
Annual fee$0
Late payment fee$0
Foreign currency conversion fee0%

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

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.

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.

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