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The NAB StraightUp credit card is Australia’s only no-interest credit card — 0% p.a. always, no exceptions. Instead of interest, you pay a fixed monthly fee based on your credit limit. It is designed for people who carry a balance and want predictable costs.
NAB Credit Cards at a Glance
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Why the NAB StraightUp credit card Stands Out
✓ What makes it worth it:
- 0% interest — always, no promotional period tricks
- Fixed monthly fee ($12-$22 depending on limit)
- No annual fee
- No late payment fees
- Simple and predictable — know exactly what you pay
✗ What to consider:
- Monthly fee applies even if you pay in full
- No rewards or cashback
- No interest-free days (fee applies regardless)
- Credit limits capped at $3,000
- No travel insurance
Verdict: Who Should Get This Card?
The NAB StraightUp is genuinely unique — no other Australian card charges 0% interest permanently. It works if you always carry a balance and want certainty. If you pay in full each month, a traditional card with 55 interest-free days costs you nothing — making StraightUp’s monthly fee unnecessary. See no-fee cards for that scenario.
Ready to apply? Go directly to NAB:
✓ Official NAB website • ✓ Secure application • ✓ Takes 5-10 minutes
How does the monthly fee work? ▼
$1,000 limit = $12/mo. $2,000 limit = $17/mo. $3,000 limit = $22/mo. Fee applies every month regardless of balance.
Is this cheaper than a normal credit card? ▼
If you carry $2,000 balance permanently: normal card at 20% = $33/mo interest. StraightUp = $17/mo fee. You save $16/mo. But if you pay in full monthly, StraightUp costs more.
Can I increase my limit above $3,000? ▼
No — NAB caps StraightUp at $3,000. For higher limits, you need a traditional NAB card like NAB Low Rate.
This review is for informational purposes only and does not constitute financial advice. Credit card terms and conditions change — verify current details directly on the NAB website before applying.
