Credit Cards Rates, Fees & Charges

Interest Rates
Description Amount
Interest Rate 11.99% p.a.
Fees & Charges
Description Amount
Additional cards fee Free
Annual fee First year $30.00 Subsequent years $30.00, waived if purchases total $7500 or more in the previous year.
Cash Advance fee $1.25 per cash advance in Australia $4.00 per cash advance overseas
International Transaction fee 1% of the amount of any foreign currency transaction converted into Australian dollars and payable at the time the currency conversion is made. This fee is payable to Members Equity Bank.
MasterCard Conversion fee 0.2% of the amount of any foreign currency transaction converted into Australian dollars and payable at the time the currency conversion is made. This fee is payable to MasterCard International.
MasterCard Cross Border fee 0.8% of the amount of any transaction where the merchant account is not held in Australia. This fee is payable to MasterCard International.
Late payment fee $25.00 payable where two consecutive minimum repayments are not received by their due dates.
Duplicate or Interim statement $5.00 per page
Emergency replacement card fee $20.00 within Australia $100.00 overseas
Voucher retrieval fee $10.00 per item
Dishonour fee $15.00 per cheque or direct debit dishonoured.

Interest rates are current as at 29-Aug-2008 and are subject to change. Fees and charges apply. Terms and conditions available on request. Applications are subject to credit approval.