Credit card rates and fees{yellow-border}
A full list of fees and charges are provided in our Credit Card Rates and Fees page
Annual fee
$75 for the first year, and $149 after that8
Interest Free Days2
Up to 44 Interest-free days on purchases
Retail purchase rate
20.99% p.a.
From 1 October 2026 the retail purchase rate will increase to 21.99% p.a.
Cash advance rate
21.99% p.a.
Minimum Credit Limit
$6,000
Interest Free Period applies to Retail Purchases if you pay the Closing Balance or Interest Free Days Payment (if you have a Balance Transfer and/or Instalment Plan) in full shown on your statement by the Payment Due Date.
We can’t process balance transfers from certain issuers – see our indicative list.21