Choose the version of this credit card that suits you best
| Name | Rewards program | |
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StraightUp Card ($20/month - $3,000 Credit Limit) | n/a |
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StraightUp Card ($15/month - $2,000 Credit Limit) | n/a |
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StraightUp Card ($10/month - $1,000 Credit Limit) | n/a |
If you like your banking to be simple and straight up, then you’ll love the new StraightUp credit card from NAB. Instead of paying interest on purchases like most credit cards in the market, with the StraightUp card, there’s a set monthly fee which ranges from $10 to $20 a month depending on your credit limit. There are also none of the usual credit card fees like annual or late payment fees and if you don’t use your card at all during a statement period or have zero balance, you won’t even be charged the monthly fee.
It's for these features that NAB was awarded the 2020 Mozo Experts Choice Award for Credit Card Innovation and the 2022 Buy Now Pay Later Mozo Experts Choice Award for Bill Payments.
One of the best features of NAB’s StraightUp card is that you can enjoy interest free spending as this card doesn’t charge interest. Instead you pay a set monthly fee which is based on your credit limit - $10 for $1,000, $15 for $2,000 and $20 for a $3000 limit.
The card also comes with a predictable payment feature which means that when you have a balance owing on the card, the minimum payment required is fixed. This is also based on the credit limit of the card. For a card with a limit of $1000, you have to pay at least $35 towards any balance due, $75 for a $2000 limit and $110 for a card with a limit of $3000.
Another top feature is that if you don’t have a balance owing and you don’t use the StraightUP card at all in a statement period NAB will reverse the monthly fee.
Keep in mind that the card can only be used to make purchases online or in person as it doesn't come with a cash advance option.
The StraightUp credit card is linked to the Visa network so you can make purchases in Australia and overseas wherever Visa is accepted. It could also a great option for anyone who regularly shops online at international stores as you won’t pay foreign currency fees on transactions.
While you will not be paying any interest, just be mindful that over time the monthly fee does add up so be sure that the credit limit you select is appropriate for your spending level and that you can repay any debt in a timely manner.
There is no rewards program with the StraightUP card so if you are a big spender and want extras like complimentary insurance and rewards perks or access to a credit limit higher than $3,000 you might want to compare the other NAB credit cards available.
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n/a |
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none |
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No current offer |
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none |
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none |
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0 |
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$240.00 |
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none |
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none |
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none |
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$0.00 |
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n/a |
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0% |
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$0.00 |
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$0.00 |
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none |
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$110.00 |
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none |
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no |
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none |
Apple Pay, Google Wallet, Samsung Pay, Garmin, Fitbit
You’ll pay no interest or late payment fees – just a simple monthly fee. If you dont make any purchases and have an outstanding balance of $0 during the whole statement period, monthly fee reversed.
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n/a |
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none |
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No current offer |
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none |
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none |
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0 |
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$180.00 |
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none |
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none |
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none |
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$0.00 |
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n/a |
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0% |
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$0.00 |
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$0.00 |
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none |
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$75.00 |
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none |
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no |
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none |
Apple Pay, Google Wallet, Samsung Pay, Garmin, Fitbit
You’ll pay no interest or late payment fees – just a simple monthly fee. If you dont make any purchases and have an outstanding balance of $0 during the whole statement period, monthly fee reversed.
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n/a |
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none |
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No current offer |
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none |
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none |
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0 |
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$120.00 |
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none |
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none |
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none |
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$0.00 |
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n/a |
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0% |
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$0.00 |
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$0.00 |
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none |
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$35.00 |
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none |
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no |
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none |
Apple Pay, Google Wallet, Samsung Pay, Garmin, Fitbit
You’ll pay no interest or late payment fees – just a simple monthly fee. If you dont make any purchases and have an outstanding balance of $0 during the whole statement period, monthly fee reversed.
Experienced excellent customer service when I had to cancel my visa card due to a scam. The customer service officer was patient, non judgemental, reassuring and helpful.
Read full reviewExperienced excellent customer service when I had to cancel my visa card due to a scam. The customer service officer was patient, non judgemental, reassuring and helpful.
Good banking but very slow
Read full reviewGood banking but very slow
The nab bank is exactly How a bank should be. I would say one of the best when it comes to fraud And personal everyday banking.
Read full reviewThe nab bank is exactly How a bank should be. I would say one of the best when it comes to fraud And personal everyday banking.
Went into the bank to update my phone number to match my credit card for SMS confirmations on purchases , couldn't even get that done in person at bank. Handed a phone in the middle of the bank to talk to someone on the phone for support. If you are after service of any kind this isn't the bank for you. Even then number still not updated once a 100 point Id check given to the bank clerk.
Read full reviewWent into the bank to update my phone number to match my credit card for SMS confirmations on purchases , couldn't even get that done in person at bank. Handed a phone in the middle of the bank to talk to someone on the phone for support. If you are after service of any kind this isn't the bank for you. Even then number still not updated once a 100 point Id check given to the bank clerk.
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Qantas Ultimate Card
23.99% p.a.
No current offer
$450
Qantas Frequent Flyer
Essential® Rewards Credit Card
23.99% p.a.
No current offer
$108
Membership Rewards
Platinum Edge Credit Card
23.99% p.a.
No current offer
$195 $0 in the first year
Membership Rewards
Explorer Credit Card
23.99% p.a.
No current offer
$395
Membership Rewards
Velocity Platinum Card
23.99% p.a.
No current offer
$375
Velocity Frequent Flyer
Qantas Discovery Card
23.99% p.a.
No current offer
$0
Qantas Frequent Flyer
Qantas Ultimate Card
Qantas Frequent Flyer
$450
50,000
1.25 points up to 100,000 points/year, then
1 point uncapped
Platinum Visa Credit Card
Qantas Frequent Flyer
$299
30,000
1 point up to 20,000 points/month
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250 $150 in the first year
70,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Qantas Premium Card
Qantas Frequent Flyer
$249
20,000
1 point uncapped
Rewards Signature Card
NAB Rewards
$295 $145 in the first year
180,000
1.25 points uncapped
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
120,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
Low Rate Card
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
13.49% p.a.
$59 $0 in the first year
Premier Credit Card
0% p.a. for 6 months and then 22.24% p.a.
21.49% p.a.
$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year
Citi Rewards Program
Blue Visa Credit Card
0% p.a. for 9 months and then 21.74% p.a.
0% p.a. for 9 months then 20.74% p.a.
$60
Q Rewards
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 24 months and then 20.99% p.a.
20.74% p.a.
$149 $0 in the first year
Velocity Frequent Flyer
More Mastercard
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
19.99% p.a.
$100
Bankwest More Rewards
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
