Credit Card
Rates & Fees

¹ Cash advances through overseas terminals or banks incur a cash advance fee.
* Offer only applies to new credit card applicants. The 2.99% p.a. promotional interest rate mentioned for purchases is valid for 4 months from the date of card approval. At the end of the 4 month promotional period for purchases, the interest rate converts to the standard purchase interest rate for a Classic Low Rate credit card, currently 12.49% p.a. A separate interest rate applies for cash advances, currently 20.99% p.a. (interest rates current as at 19 November 2012). Interest rates and fees are subject to change.
^ Offer only applies to new credit card applicants. The 4.99% p.a. promotional interest rate mentioned for purchases is valid for 4 months from the date of card approval. At the end of the 4 month promotional period for purchases, the interest rate converts to the standard purchase interest rate for a Platinum Low Rate credit card, currently 13.29% p.a. A separate interest rate applies for cash advances, currently 20.99% p.a. (interest rates current as at 19 November 2012). Interest rates and fees are subject to change.
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.
⁴ Cash advances through overseas terminals or banks incur a cash advance fee.

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 and the MasterCard brand mark are registered 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 Australian credit licence 246786 and its appointed credit representatives. The credit provider is Commonwealth Bank of Australia ABN 48 123 123 124 Australian credit licence 234945.