NAB StraightUp vs Westpac Flex

Verified by David Boyd   |   Updated 1 Mar 2024

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.

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