Rates, Fees & Charges

8.9% p.a. for 5 years on the initial balance that you request to be transferred to your bank account within 3 months of approval¹ 

20.99% p.a. 

Amount

Save $100 with a reduced establishment fee of just $99, normally $199²

When is the fee charged

Debited to your Account on the issue date of your first statement of Account for the Statement Period in which you first use or activate your Account.

How can you avoid the fee

N/A

Amount

$0

When is the fee charged

N/A

How can you avoid the fee

N/A

Amount

$15

When is the fee charged

Each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account.

How can you avoid the fee

Always make the Payment Due on or before the Payment Due Date. Alternatively, set-up Easi-Pay to automate your payment.

Amount

$2 per month

When is the fee charged

Charged when we issue you a paper statement, and debited to your account in the following statement period. This may be waived in limited circumstances.

How can you avoid the fee

Switch to electronic Statements. Click here for more details.

Amount

2.5% of the converted AUD amount

When is the fee charged

Charged for any transaction made in foreign currency. This amount includes a service and assessment fee payable by us to the scheme (where applicable).

How can you avoid the fee

This fee only applies to transactions in foreign countries or made in foreign currency.

10.90% p.a. for new loans only.
Interest rate current as at 3 June 2024 and subject to change at any time.

11.19% p.a.³

Amount

$199⁴

When is the fee charged

Debited to your Account on the issue date of your first statement of Account for the Statement Period in which you first use or activate your Account.⁴

How can you avoid the fee

N/A

Amount

$10. Waived for applications submitted from 20 December 2023 to 30 June 2024.

When is the fee charged

How can you avoid the fee

N/A

Amount

$15

When is the fee charged

Each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account.

How can you avoid the fee

Always make the Payment Due on or before the Payment Due Date. Alternatively, set-up Easi-Pay to automate your payment.

Amount

$2 per month

When is the fee charged

Charged when we issue you a paper statement, and debited to your account in the following statement period. This may be waived in limited circumstances.

How can you avoid the fee

Switch to electronic Statements. Click here for more details.

Amount

2.5% of the converted AUD amount

When is the fee charged

Charged for any transaction made in foreign currency. This amount includes a service and assessment fee payable by us to the scheme (where applicable).

How can you avoid the fee

This fee only applies to transactions in foreign countries or made in foreign currency.

14.59% p.a.

Amount

$149

When is the fee charged

Debited to your Account on the issue date of your first statement of Account for the Statement Period in which you first use or activate your Account.

How can you avoid the fee

N/A

Amount

$120

When is the fee charged

Debited on first use including activation of product and then on each anniversary of the date of product approval.

How can you avoid the fee

N/A

Amount

$15

When is the fee charged

Each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account.

How can you avoid the fee

Always pay the Total Minimum Payment Due on or before the Payment Due Date. Alternatively, set-up Easi-Pay to automate your payment.

Amount

$2 per month

When is the fee charged

Charged when we issue you a paper statement, and debited to your account in the following statement period. This may be waived in limited circumstances.

How can you avoid the fee

Switch to electronic Statements. Click here for more details.

Amount

2.5% of the converted AUD amount

When is the fee charged

Charged for any transaction made in foreign currency. This amount includes a service and assessment fee payable by us to the scheme (where applicable).

How can you avoid the fee

This fee only applies to transactions in foreign countries or made in foreign currency.

16.99% p.a.

Amount

$69

When is the fee charged

Debited to your Account on the issue date of your first statement of Account for the Statement Period in which you first use or activate your Account.

How can you avoid the fee

N/A

Amount

$99

When is the fee charged

Debited on first use including activation of product and then on each anniversary of the date of product approval.

How can you avoid the fee

N/A

Amount

$15

When is the fee charged

Each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account.

How can you avoid the fee

Always pay the Total Minimum Payment Due on or before the Payment Due Date. Alternatively, set-up Easi-Pay to automate your payment.

Amount

$2 per month

When is the fee charged

Charged when we issue you a paper statement, and debited to your account in the following statement period. This may be waived in limited circumstances.

How can you avoid the fee

Switch to electronic Statements. Click here for more details.