If you enjoy avoiding the typical interest charges and fees most cards come with, it’s time to learn how to apply for the NAB StraightUp Credit Card and get yours!
Along with offering a more flexible and personalised credit experience, the application process is hassle-free.
The steps are quite straightforward, so you shouldn’t have any trouble applying. But we want to guide you through the process to improve your chances of getting approved successfully.
And that’s not all! In this complete guide, we’ll walk you through the application process and show you how to increase your credit limit after approval if you need more spending flexibility.
Why choosing the NAB StraightUp is a smart move:
✔️ No interest or hidden fees: Say goodbye to surprises on your bill!
✔️ Easy application process: Just a few steps to get closer to your new card.
✔️ Flexible credit limit: Pick the limit that suits your needs.
✔️ Easy management: Track spending and make payments through the app.
Requirements for the NAB StraightUp Credit Card
- Be a resident of Australia
- Be at least 18 years old
- Have a regular income
- Provide a valid email address and mobile number
Required Documents
To support your credit assessment, you’ll need the following documents:
- Photo ID: Passport, driver’s licence, or Medicare card
- Proof of address: A recent utility bill or bank statement (issued within the last 3 months)
- Proof of income: Pay slips, tax returns, or bank statements
How to Apply for the NAB StraightUp Credit Card: Step-by-Step Guide
- Visit the NAB website: Head to the official website to start your application.
- Review the benefits: Go through the card’s features and click “Apply Now” if it suits your needs.
- Complete the application form: Provide your full name, date of birth, phone number, address, and employment details from the past three years.
- Choose your credit limit: Select a limit that works for you, though you may receive alternative offers based on your profile.
- Upload your documents: Make sure the documents are clear and in PDF or JPG format.
- Review and submit: Double-check everything, then click “Submit” to finalise the process.
How to Activate Your New Card
Once approved, your NAB StraightUp card will arrive within 7 business days.
To activate it, follow the instructions in the welcome letter, call customer service, or use the NAB app.
The app isn’t just for activation – it’s your hub for managing everything about your credit card, from balances and payments to credit limits.
Increasing Your Credit Limit
Initially, you can choose between limits of $1,000 to $3,000. If you want to increase your limit after approval, you can request it anytime via the NAB app or internet banking.
Just remember that limit increases are subject to approval, okay?
How to request a credit limit increase:
- Make sure your NAB app is up to date.
- Go to the Cards menu.
- Select your NAB StraightUp Credit Card.
- Click on Change your credit limit.
- Follow the instructions to submit your new credit limit request.
You might need additional documents to support your request, like updated pay slips or bank statements showing your new income.
Tip: To improve your chances of approval, maintain a good payment history and use your card responsibly.
Useful Contacts
📞 Credit Cards and Accounts: 13 22 65 or +61 3 8641 9083 if calling from overseas
📞 Emergency (Lost/Stolen Cards): 1800 033 103
With these guidelines, you are ready to apply for your NAB StraightUp card and enjoy all the benefits it offers. Good luck with your application!