|Annual Percentage Rate (APR)
||Interest rate applicable on outstanding balances that aren't subject to a promotional period
||Up to 29.99%
||Interest rate applicable on cash advances, purchases & BPAY where biller doesn't accept credit or we have otherwise told you that will be treated as a cash advance
||This is a once only fee for establishing your account.
|Account servicing fee
||Charged monthly if the outstanding balance is greater than $10.
||This fee is charged if you do not pay any amount that is due and payable (e.g. your minimum monthly payment) by the due date.
|ATM withdrawal fee
||Greater of 3% or $3
||Charged when you make a cash withdrawal from an ATM
|EFTPOS withdrawal fee
||Charged when you make a cash withdrawal using EFTPOS
|BPAY cash advance fee
||Greater of 3% or $3.00
||Charged if you make a BPAY™ payment to a biller who doesn’t accept payments from credit cards or we otherwise tell you that the payment is to be treated as a cash advance. You’ll be notified before making your BPAY™ payment if this charge is to be applied
|Direct credit advance fee
||Greater of 3% or $3 (with a maximum of $30 per transaction)
||This fee is charged for each occasion on which you request funds to be transferred to a nominated bank account.
|Payment handling fee
||Charged for each payment made at Australia Post