Credit Card

 General Lending Rates

• Lending Rate Type: Purchase
• Interest Rate: 11.50%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Introductory
• Interest Rate: 7.90%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

 Product Features

• Other Additional Information: Special Introductory Rate for first 6 months.

• Interest Free Additional Information: You may receive up to 55 days interest free period for purchases provided you continue to pay your closing balance in full on or before every statement due date.

• Balance Transfers

• Other Additional Information: No application fee

• Other Additional Information: No annual fee

• Card Access

• Additional Cards

• Digital Wallet

• Digital Wallet

• Digital Wallet

• Digital Banking

• Bill Payment

• Notifications

 Product Eligibility

• Other Additional Information: You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.

• Residency Status - Individuals Must Be Citizens Or Permanent Residents Of Australia..

• Other Additional Information: All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions online or from any of our offices.

• Min Age - 18.

 Bank Fees and Charges

• Arrears Administration Fee (Event), Amount: 10.00. Additional Information: Payable each time staff action a loan account, RediCredit or Credit Card account in arrears.

• Late Payment Fee (Event), Amount: 10.00. Additional Information: Payable by debit to your account when the minimum payment on a Credit Card account is not received by the due date. Charged once per statement period.

• Card Replacement Fee (Event), Amount: 10.00. Additional Information: Payable when you request a replacement card.

• Atm Withdrawals Overseas (Transaction), Amount: 4.50.

• International Conversion Fee (Transaction), Amount: Not Listed.. Additional Information: 2.90% of transaction value in $AUD collected by Cuscal Limited - 0.90% paid to Us; 1.00% retained by Cuscal; 1.00% paid to Visa International. Payable when you transact in a foreign currency using your Visa card either online or at a merchant point of sale (irrespective of where the transaction occurs; performed not in Australian Dollar; or overseas merchants transact in a foreign currency.)

• Cash Advances Fee (Transaction), Amount: 4.50. Additional Information: Visa Debit and Visa Credit card cash advances at other financial institutions in Australia and overseas. Individual bank branches may not offer this service and may charge additional fees (at cost).

• Paper Statement Fee (Periodic), Amount: 1.55. Additional Information: This fee applies when you have elected to receive a paper statement by post in addition to a statement available to view and download in internet banking. It is in addition to fees for replacement and additional statements. For credit cards, this fee is debited to credit card account on the 7th day of the month after the end of a statement period. For all other accounts, this fee is debited to transaction, savings or loan account in that order on the 15th day of the month after the end of a statement period. Exceptions apply. For more information please refer to our Fees and Charges brochure.

• Default Notice Fee (Event), Amount: 25.00. Additional Information: Payable when we send you a default notice asking you to remedy a default under your credit contract.

 Limitations & Restrictions (Constraints)

• Min Limit of 1000.00

• Max Limit of 25000.00