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Credit Card
Rates & Fees

Find out about the Aussie
credit card rates & fees
so you know how to
avoid them!

  • Tip 1

    Avoid late payment fees by setting up an AutoPay Direct Debt agreement for your credit card payments.

  • Tip 2

    Paying off your account balance within the current statement period may help you minimise paying interest on the outstanding amount.

  • Tip 3

    Having an additional cardholder may cost $10 per annum, but that could be less than managing annual fees on two separate card accounts.

  • Tip 4

    Shopping online at an overseas retailer? The Platinum Low Rate Credit Card charges $0 in international transaction fees on purchases¹. Score!


Classic Low Rate

Platinum Low Rate

Annual fee

$49 $99


Ongoing Purchase Interest Rate 12.49% p.a. 13.29% p.a.
Balance Transfer Interest Rate 5.99% p.a. on balances transferred
for the first 5 months^
5.99% p.a. on balances transferred
for the first 5 months^
Balance Transfer Revert Rate Rate reverts to cash advance interest rate
Interest Free Days Up to 55 days interest free on purchases
Cash Advance Interest Rate 20.99% p.a. 20.99% p.a.


Additional Cardholder Fee $10 $10
Late Payment Fee $25 $25
Over limit Fee $0 $0
Cash Advance at any Australian ATM 2.00% of the cash advance amount up to maximum of $1502 2.00% of the cash advance amount up to maximum of $1502
Over the counter Cash Advance at any Financial Institution The greater of $4.00 or 2.00% of the cash advance amount, maximum of $1502 The greater of $4.00 or 2.00% of the cash advance amount, maximum of $1502
Cash Advance at International ATM The greater of $4.00 or 2.00% of the cash advance amount, maximum of $1502 The greater of $4.00 or 2.00% of the cash advance amount, maximum of $1502
ATM Balance
Enquiry Fee
$1.25 $1.25
International Transactions converted by MasterCard®3 3.00% 0.00%1
International Transactions in AUD 3.00% 0.00%1
Emergency Issue/Lost/Replacement Card Fee $50 $50
Key Fact Sheet Download Download
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^ $500 minimum. The 5.99% p.a. interest rate mentioned for balances transferred is for 5 months from card activation (for new accounts) or date of transfer (for existing accounts). At the end of the balance transfer period the interest rate on any outstanding balances converts to the standard cash advance interest rate for a Platinum Low Rate or Classic Low Rate credit card, as applicable, currently 20.99% p.a. (interest rate current as at 1 September 2013). Interest rates and fees are subject to change.

## Rates valid as of 08/10/13 and are subject to change or we may introduce new ones in the future. Approved customers only. All applications are subject to lending and approval criteria. Terms, conditions, fees and charges apply. Interest rate offered will depend on our assessment criteria.

** The comparison rate is based on an unsecured personal loan of $30,000 over 5 yrs. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Any information is general and not based on any consideration of your objectives, financial situation or needs.

1 Cash advances through overseas terminals or banks incur a cash advance fee.
2 A maximum charge of $150.00 (or a flat fee of $2.50 applies if your closing balance on the previous business day was in credit). Note: For cash advances and balance enquiries made through any ATM in Australia, the ATM owner may charge you a fee, which will be disclosed at the time of the transaction. If you proceed with the transaction, the ATM owner’s fee will be debited to your account (in addition to the cash advance amount) if applicable. You should check the ATM owner’s fees that apply carefully before completing.
3 Applies anytime cash advances, purchases or permitted transactions are converted by MasterCard from foreign currencies to Australian dollar equivalents. The fee includes the fees MasterCard impose on us. For cash advances the relevant cash advance charge will also apply.
Applications for finance are subject to credit approval. Full conditions of use will be included in our Letter of Offer. Fees and charges are payable. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. PayPass™ and Tap & Go™ are trademarks of MasterCard International Incorporated. The “Aussie” trademark is a trademark of AHL Investments Pty Ltd ABN 27 105 265 861. Credit services are provided by AHL Investments Pty Ltd (“AHL”) ABN 27 105 265 861, Australian credit licence 246786 and its appointed credit representatives. The credit provider is Commonwealth Bank of Australia (“CBA”) ABN 48 123 123 124 Australian credit licence 234945. AHL is a partly owned subsidiary of CBA.