So, if you’re looking for a credit card that combines simplicity, transparency, and practicality, NAB’s StraightUp is a fantastic choice. It’s the card that makes your financial life easier and more straightforward, without compromising on all the features and security you need.
Let’s go, take the next step towards smarter and hassle-free financial management!
Documents
To apply for the NAB StraightUp credit card in Australia, you will need to provide some documents and information to complete the application. Here’s a list of the typical documents and information required:
- A photo ID such as a passport or Australian driver’s license.
- A recent proof of address, such as a utility bill (water, electricity, gas) or official correspondence (bank, tax office).
- Proof of income, such as recent pay slips, bank statements, or tax return.
- Details about your current employer, including the name, address, and length of employment.
- Your TFN is required for tax verification.
- Information about your bank accounts, including account numbers and financial institutions.
- NAB may conduct a credit check as part of the evaluation process. Ensure your credit history is in good order.
Make sure all documents provided are current and legible. Additionally, it may be helpful to check directly with NAB for any additional or specific requirements for your situation. The application can be completed online, by phone, or in person at a NAB branch.
Rates, fees, and commission
- Monthly card fee: $10 (added to your balance).
- Minimum monthly payment: $35.
- Monthly card fee: $20 (added to your balance).
- Minimum monthly payment: $75.
- Monthly card fee: $30 (added to your balance).
- Minimum monthly payment: $110.
Remember, if you don’t make any purchases and have an outstanding balance of $0 during the whole statement period, we’ll reverse your monthly fee.
How to apply
Here is a step-by-step guide to applying for the NAB StraightUp credit card in Australia:
- Age: You must be at least 18 years old.
- Residency: Must be an Australian resident.
- Income: Must meet the minimum income requirements.
- Credit History: Ensure you have a good credit history.
- Personal Identification: Passport or Australian driver’s license.
- Proof of Address: Recent utility bill or official correspondence.
- Income Details: Pay slips, bank statements, or tax return.
- Employment Information: Name and address of your current employer.
- Tax File Number (TFN): For tax verification.
- Bank Account Details: Information about your bank accounts.
- Online: Visit the NAB website and locate the StraightUp credit card page. Fill out the online application form with your personal information, income details, and bank information.
- Phone: Alternatively, you can call NAB and apply over the phone with the assistance of a representative.
- In-Person: Visit a NAB branch and request assistance to complete the application form in person.
- Documents: Upload the necessary documents if applying online, or submit them in person if applying at a branch.
- Verification: NAB may request additional documents or information to verify your identity and financial situation.
- Processing: NAB will review your application and conduct a credit check.
- Response: You will receive a response regarding your application, which may be approved, declined, or require additional information.
- Card: If approved, you will receive the StraightUp credit card by mail.
- Activation: Follow the provided instructions to activate your card, typically done online or by phone.
- App or Website: Use the NAB app or website to manage your account, track spending, pay bills, and access other features.
Make sure to review all the terms and conditions associated with the StraightUp credit card before completing your application. If you need assistance at any step of the process, NAB offers customer support to address questions and provide help.