LOW RATE VISA CREDIT CARD

 General Lending Rates

• Lending Rate Type: Purchase
• Interest Rate: 10.99%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

 Product Features

• Additional Cards

• Balance Transfers

• Interest Free

• Digital Banking

• Complementary Product Discounts Additional Information: Access concert and theatre ticket pre-sales, special movie screenings, members offers and much more

• Npp Enabled

• Npp Payid

 Product Eligibility

• Natural Person Additional Information: Available for personal use

• Min Age - 18.

 Bank Fees and Charges

• Annual Fee (Periodic), Amount: 50.00. Additional Information: Debited to your account on the day your credit card facility is activated and annually on anniversary

• Audit Certificate Fee (Event), Amount: 0.00. Additional Information: When you request us to prepare an Audit Certificate on your account

• Bank At Post - Cash Or Cheque Deposit Fee (Deposit), Amount: 0.00.

• Bank At Post - Balance Inquiry (Event), Amount: 0.00. Additional Information: When you request an account balance at Bank at Post

• Card Replacement Fee (Event), Amount: 0.00. Additional Information: Payable when we issue a replacement card that you have requested

• Cash Advance (Transaction), Amount: 3.50. Additional Information: This fee is charged for making a cash advance, cash transfer or cash equivalent debit from your account

• Foreign Atm Withdrawal Fee (Withdrawal), Amount: 5.00. Additional Information: Plus 3% Currency Conversion Fee. Payable when you use your Visa Debit Card at any oversas ATM to withdraw from your account

• Cheque Stop Payment Fee (Event), Amount: 0.00. Additional Information: Each time you request us to stop payment on a cheque you have drawn

• Currency Conversion Fee (Transaction), Amount: Not Listed.. Additional Information: Payable when you use your card to pay for purchases or withdraw cash at overseas retail outlets or overseas ATM

• Document Recovery Fee (Event), Amount: 0.00. Additional Information: Payable when we process your request to obtain a copy of a deposited cheque, a sales voucher or any deposit, withdrawal or transfer form associated with your account

• Document Search Fee (Event), Amount: 0.00. Additional Information: May apply when you request us to conduct a search for documents associated with your account other than documents charged for under the Document recovery fee

• Investigation/correction Fee (Event), Amount: 0.00. Additional Information: Payable when we process your request to trace, reverse or correct a payment or where you ask us to investigate a disputed transaction on your account

• Late Payment Fee (Event), Amount: 20.00. Additional Information: Payable where there is an amount overdue for payment past its due date

• Dishonour Fee - Direct Debit And External Payment (Event), Amount: 15.00. Additional Information: Charged per rejection. Payable when you've arranged a direct debit payment or external payment to an account at another financial institution but there are insufficient clear funds in your account

• Rtgs Outward Payment Fee (Transaction), Amount: 20.00. Additional Information: Payable each time you request a high value, time critical payment from your account to another financial institution on a real time basis for same day payment

• Direct Debit Stop Payment Fee (Event), Amount: 0.00. Additional Information: When you ask us to stop payment on a direct debit on your account

• Additional Statement Fee (Event), Amount: 0.00. Additional Information: Payable when you request us to issue you an additional statement of account

• Paper Statement Fee (Periodic), Amount: 0.00. Additional Information: Payable when we issue you with your statement of account in paper

• Bank Cheque Fee (Event), Amount: 12.00. Additional Information: Payable charged per cheque requested for a one off purchase

• Atm Direct Charge Fee (Variable), Amount: Not Listed.. Additional Information: Direct charge fee is levied by the ATM owner. May be payable to the ATM owner when using your card to withdraw or check your balance at a non-Auswide Bank ATM network ATM.

• Cheque Deposit Dishonour Fee - Bank@post (Variable), Amount: Not Listed.. Additional Information: As advised by Australia Post. Payable when a cheque deposited to your loan account at an Australia Post Bank@Post outlet is dishonoured.

• Emergency Card/emergency Cash Disbursement Fee (Variable), Amount: Not Listed.. Additional Information: Unascertainable - as quoted by Visa Global Customer Assistance Service.

• Cheque Special Clearance Fee (Variable), Amount: Not Listed.. Additional Information: As advised by applicable financial institution. Each time you arrange a special clearance on a cheque deposited.

 Limitations & Restrictions (Constraints)

• Min Limit of 500.00

• Max Limit of 50000.00