LOW RATE CREDIT CARD

 General Lending Rates

• Lending Rate Type: Purchase
• Interest Rate: 8.99%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

 Product Features

• Additional Cards

• Balance Transfers

• Card Access Additional Information: Option of Pink, Blue or standard card

• Digital Banking

• Digital Wallet Additional Information: Payment options

• Interest Free Additional Information: Up to 55 days. When you pay your balance in full by the due date each month

 Product Eligibility

• Min Age - 18.

• Residency Status - Australian Citizen Or Permanent Residency Only.

 Bank Fees and Charges

• Low Rate Credit Card Annual Fee (Periodic), Amount: 40.00. Additional Information: For Pink and Blue Low Rate Credit Cards, half the annual fee ($20) is donated to the McGrath Foundation (pink) or the Prostate Cancer Foundation of Australia (blue) each year

• Late Payment (Event), Amount: 25.00.

• Card Extraction Fee (Event), Amount: 45.00.

• Visa Chargebacks (Event), Amount: 25.00.

• International Conversion Fee (Transaction), Amount: Not Listed.. Additional Information: Payable when you use your VISA card for a foreign currency transaction or for an Australian dollar transaction that is with a foreign merchant or that is processed by an entity outside Australia. The fee is converted to Australian dollars using the exchange rate valid on the day the emergency card is produced.

• Copy Of Statement (already Issued) (Event), Amount: 1.50. Additional Information: Charged per page. For statements issued prior to January 1997 the fee is $3 per page.

• Bank@post Cheque Deposit (Deposit), Amount: 2.00.

• Bank@post Withdrawal, Cash Advance Or Cash Deposit (Transaction), Amount: 4.00.

• Cancel Replacement Of Visa Card (Event), Amount: 50.00. Additional Information: Charged in US Dollars

• Replacement Of Visa Card (overseas) Std (Event), Amount: 55.00.

• Replacement Of Visa Card (within Aus) (Event), Amount: 12.50.

 Limitations & Restrictions (Constraints)

• Min Limit of 500.00