Visa Credit Card

 General Lending Rates

• Lending Rate Type: Purchase
• Interest Rate: 12.95%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Cash Advance
• Interest Rate: 12.95%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

 Product Features

• Npp Enabled

• Other Additional Information: A low introductory rate of 2.99% p.a. for the first 6 months - available across all balance transfers, cash advances and purchases.

• Npp Payid

• Digital Wallet Additional Information: Now you can tap and pay using your mobile phone for fast, convenient and secure payments.

• Digital Banking

• Interest Free Additional Information: The interest free period applies to purchases only, providing that both the closing balance on the statement immediately preceding the purchase is paid in full by the due date and the closing balance of the statement recording the purchase is paid in full by the due date; otherwise interest will apply from the date of the purchase. Cash advances do not qualify for the interest free period and attract interest from the date of the cash advance.

• Other Additional Information: Visa Credit Card gives you the convenience to make purchases, pay bills or get cash worldwide

• Card Access

• Other Additional Information: Quick assessment process

• Other Additional Information: No application fees

• Other Additional Information: Competitive interest rates

• Complementary Product Discounts

 Product Eligibility

• Min Age - 18. Additional Information: 18 years and over

• Other Additional Information: Terms, conditions, fees, charges and lending criteria apply and are available on application

• Residency Status - Permanent Residents Of Australia Who Reside In Australia At The Time Of Membership Application Are Eligible For Membership, Regardless Of Citizenship Status..

• Natural Person - Personal Members Only.

 Bank Fees and Charges

• Final Demand (Event), Amount: 15.00. Additional Information: Charged when demand is issued to request payment where no credit limit exists.

• Credit Card Monthly Transfer Rejection (Event), Amount: 5.00. Additional Information: Applies when you have a scheduled monthly balance sweep set up and there are insufficient funds in your account to process a payment.

• Over Limit Administration Fee 1 (Event), Amount: 25.00. Additional Information: Payable if you exceed your approved credit limit and you fail to pay an amount sufficient to return the balance of the account to less than or equal to the approved credit limit within 7 days of us notifying you that your account is over its limit.

• Arrears Administration Fee 1 (Event), Amount: 25.00. Additional Information: Payable if you fail to make repayments due under your credit contract and you do not pay an amount sufficient to clear all repayment arrears within 7 days of us notifying you that your account is in arrears.

• Over Limit Administration Fee 2 (Event), Amount: 25.00. Additional Information: Payable if you exceed your approved credit limit and your account balance remains over the approved limit for a period of 20 days or more.

• Arrears Administration Fee 2 (Event), Amount: 25.00. Additional Information: Payable if you fail to make repayments due under your credit contract and your account remains in arrears for a period of 20 days or more.

• Visa Cash Advance- Australia And Overseas (Event), Amount: 5.00. Additional Information: Visa Cash Advances are withdrawals using your visa Card at Australian Bank branches, overseas Bank branches, overseas ATMs, National ATMs or Australia Post (using the credit account selection or accessing a Credit Card account).

• Conversion Fee (Event), Amount: Not Listed.. Additional Information: Applies when a transaction is performed overseas using a Visa Card. Charged at the time of transaction.

• Annual Visa Credit Card Fee (Transaction), Amount: 59.00. Additional Information: Charged within a month of the account opening and then annually on the anniversary of the account opening month.

• Balance Transfer (via Corporate Cheque) (Event), Amount: 10.00.

• Balance Transfer (via External Transfer) (Event), Amount: 1.50.

• Atm Withdrawal (Withdrawal), Amount: 5.00. Additional Information: Cash Advance fee

• Visa - Replacement Card Fee (Event), Amount: 10.00. Additional Information: Applies when a lost or damaged Card is replaced (no fee is payable if Card is stolen). Fee is charged when the Card is ordered.

• Visa - Conversion Fee (Event), Amount: Not Listed.. Additional Information: Applies when a transaction is performed overseas using a Visa Card. Charged at the time of the transaction.

• Visa Cash Advance – Australia And Overseas (Event), Amount: 5.00. Additional Information: Visa Cash Advances are withdrawals using your Visa Card at Australian Bank branches, overseas Bank branches, overseas ATMs, National ATMs* or Australia Post using the ‘CR’ account selection or accessing a Credit Card Account.

• Visa - Card Monthly Transfer Rejection (Event), Amount: 5.00. Additional Information: Applies when there are insufficient funds in your account to process a payment.

• Emergency Visa Card Replacement Overseas (Event), Amount: 300.00. Additional Information: Applies when you request an urgent replacement Card to be issued while overseas (for any reason including theft)

• Emergency Visa Cash Advance Overseas (Event), Amount: 300.00. Additional Information: Applies when you request an emergency cash advance without your Visa Card

• Visa - Search Fee (Event), Amount: 30.00. Additional Information: Applies when you request us to determine when atransaction was authorised for payment.

 Limitations & Restrictions (Constraints)

• Min Limit of 1000.00