International and Australian Card Controls are based on merchant codes. If the merchant is based in Australia, then the status of your Australian Card Controls will affect your transactions. If the merchant is based Internationally, then the status of your International Card Controls will affect your transactions.
To complete a loan redraw, select the "Transfer" option. The first account is the "From” account – select your home loan account. It will then show the balance and the amount available to redraw. Select the account to transfer to, the amount and a reference if required.