NAB StraightUp vs Westpac Flex

Verified by David Boyd   |   Updated 8 May 2024

NAB was among the pioneering banks to launch a no-interest credit card. NAB's Straight Up Credit Card and Westpac's Flex Card represent the banks' adaptations to the increasing preference for buy now, pay later services, especially among debt-wary younger Australians who prioritise simplicity.

So, does the NAB Straight Up Credit Card surpass the Westpac Flex as a better no-interest option? Use this comparison of rates, fees, and minimum criteria to decide for yourself.

NAB StraightUp Credit Card

On website

Westpac Flex Card

On website

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
00
Apple Pay Enabled
YesYes
Card Type
VisaMastercard
Google Pay Enabled
YesYes
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/AN/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/AN/A
Eligibility
Minimum Age
18 years18 years
Minimum Credit Rating
N/AN/A
Minimum Income
N/AN/A
Temporary Residents Accepted
YesNo