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Credit Card Rates and Fees

(20181229)

2018-12-29

Credit Card Rates and Fees
Fee Types Fees & Rates
Annual Fee (Payable each year ) UnionPay Rewards Card AUD60 per card for Primary Card
AUD20 per card for Additional Card
Gold Card AUD100 per card for Primary Card
AUD20 per card for Additional Card
Low Interest Rate Card AUD40 per card for Primary Card
Free for Additional Card
Low Fee Card AUD20 per card for Primary Card
Free for Additional Card
Student Card AUD20 per card
ATM and OTC Transaction ATM ATM Cash Advance Fee ATM AUD 3.00 or 1.5% of the cash advance amount (Which is greater)
Over the Counter Cash Advance Fee AUD3.00 or 1.5% of the cash advance amount (Which is greater)
Emergency Cash Advance Fee(BOC Australia branch) when your card is registered as lost AUD3.00 or 2% of the cash advance amount (Which is greater)
Other Fee Types Late Payment Fee AUD15 per incident
Foreign Currency Conversion Fee(Markup Fee) – payable when a foreign currency transaction occurs: 2.5% of the transaction amount for UnionPay (except RMB transactions) and Mastercard;
2% of the transaction amount for UnionPay RMB transactions
Unsuccessful inter-bank Direct Debit Fee AUD20 per incident
Unsuccessful inner-bank Direct Debit Fee AUD10 per incident
Copy of Statement AUD5 per statement
Replacement card Fee AUD10 per card
Emergency Services(Mastercard Card Accounts only)
Emergency Replacement Fee USD148 per Standard Card, USD200 per Gold Card
Emergency Cash Disbursement Fee USD95 per request for Standard Card, USD175 per request for Gold Card

Interest Type Rewards/Gold/Low Annual/Student Card Low Interest Card
Interest on Purchases 19.99% p.a 13.49% p.a
Interest on Cash Advances 21.74% p.a 21.74% p.a
Interest on Balance Transfers 21.74% p.a 21.74% p.a

Smart Interest Free Instalment Plan

Period

Smart Interest Free Instalment Plan Administration Fee- one off payment that is  payable upon approval

Balance Transfer Handling fee- one off payment that is payable  upon approval

3 months

1.35% of total instalment amount

2.5% of total transferred amount

6 months

2.60% of total instalment amount

5% of total transferred amount

9 months

4.25% of total instalment amount

9% of total transferred amount

12 months

6.25% of total instalment amount

13% of total transferred amount

18 months

9.95% of total instalment amount

n/a

24 months

14.10% of total instalment amount

n/a