NAB were one of the first banks to introduce a no interest credit card. NAB's Straight Up Credit Card and Westpac's Flex Card can be seen as the banks responding to the growing trend towards buy now pay later, particularly in debt and risk averse younger Australians who value simplicity above all else.
So is the NAB Straight Up a better no interest credit card than the Westpac Flex? Use this comparison of rates, fees, and minimum criteria to decide for yourself.
 |  |
|---|---|
| Basics | |
| Description | |
| No interest, no annual fee, and no fees on foreign transactions. Monthly fee waived if not used. | No interest digital card issued within minutes of approval. No interest on purchases and no late fees, just a simple monthly fee. |
| Additional Cardholders | |
| 0 | 0 |
| Apple Pay Enabled | |
| Yes | Yes |
| Card Type | |
| Visa | Mastercard |
| Google Pay Enabled | |
| Yes | Yes |
| Minimum Credit Limit | |
| $1,000.00 | $1,000.00 |
| Maximum Credit Limit | |
| $3,000.00 | $1,000.00 |
| Rates | |
| Cash Advance Rate | |
| 0% p.a. | 0% p.a. |
| Cash Advance Fee | |
| N/A | N/A |
| Purchase Rate Ongoing | |
| 0% p.a. | 0% p.a. |
| Fees | |
| Annual Fee Ongoing | |
| $0.00 | $0.00 |
| Foreign Exchange Fee | |
| N/A | $0.00 |
| Late Payment Fee | |
| $0.00 | $0.00 |
| Overseas ATM Withdrawal Fee | |
| N/A | N/A |
| Eligibility | |
| Minimum Age | |
| 18 years | 18 years |
| Minimum Credit Rating | |
| N/A | N/A |
| Minimum Income | |
| N/A | N/A |
| Temporary Residents Accepted | |
| Yes | No |
