Low rate credit card.

International transaction fee

1.5% of amount of any foreign currency transaction converted into Australian dollars, payable at the time the currency conversion is made.

Mastercard cross-border fee

0.8% of any transaction where the merchant’s account is not held in Australia. It may not always be clear to you that the merchant or entity processing the transaction is located outside Australia.

Additional cards

No fee

Withdrawals and balance enquiries

Withdrawals and enquiries at Australian and international ATMs may incur an ATM operator fee charged by the ATM operator

Cash advance fee

$4 or 2% of the cash withdrawn (whichever is greater)

Dishonour fee

$15 per cheque or direct debit

Duplicate or interim statement

$5 per duplicate or statement

Emergency replacement card

$20 in Australia, $100 overseas

Late payment fee

$10

Variable cash advance interest rate

13.99​% p.a.

Voucher retrieval

$10 per item