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.
 On NAB's website |  On Westpac's 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 | |
| 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 | |
| $0.00 | $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 | |
| Good | Good |
| Minimum Income | |
| N/A | N/A |
| Temporary Residents Accepted | |
| Yes | No |
