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We are updating our Terms and Conditions for Mortgage Offset Accounts, effective 4 January 2022. Find out more

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2021-11-30 2:45 pm
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Credit card rates and fees

Our latest variable credit card rates and the fees that may apply for personal and business customers. 

Credit card comparison

Effective 7 December 2021
Low Rate Visa Credit card
Visa Credit card
Platinum Rewards Visa Credit card
Commercial Visa Credit card
Interest rate (p.a.)
9.39%
12.39%
18.24%
16.99%
Interest free days
0
Up to 55 days
Up to 55 days
Up to 55 days
Annual fee
$59
$0
$189
$59
Minimum credit limit
$1000
$1000
$1000
$1000
Additional cardholder fee
N/A
N/A
$59
N/A
Cash advance
$3.50
$3.50
$5
$3.50
Cash advance – overseas
$3.50 plus the Foreign Currency Conversion Fee.
$3.50 plus the Foreign Currency Conversion Fee.
$3.50 plus the Foreign Currency Conversion Fee.
$3.50 plus the Foreign Currency Conversion Fee.
Foreign currency conversion fee
3%
3%
3%
3%
Visa emergency card/cash overseas fee
US$175
US$175
US$175
US$175
Urgent replacement card fee
$15
$15
$15
$15
Rewards
No
No
Yes
No
Repayment frequency
Monthly repayment 2.5% of closing statement balance or $20, whichever is greater
Monthly repayment 2.5% of closing statement balance or $20, whichever is greater
Monthly repayment 2.5% of closing statement balance or $20, whichever is greater
Monthly repayment 2.5% of closing statement balance or $20, whichever is greater
Additional payments
Accepted
Accepted
Accepted
Accepted
Security
Unsecured
Unsecured
Unsecured
Unsecured