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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 24 November 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