For Gold Credit Card and Low Interest Card products, all your purchase transactions will be recorded in our Royalty Reward Points System.
You can apply to redeem your points as cash back to your credit card once you have sufficient points.
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We may need you to provide us with the most current details of your income for credit assessment.
Each month you must repay at least 4% of the amount you owe us, or $20, whichever is greater.
If you hold a saving/cheque account with us or in other banks within Australia, you may choose direct debit payment method to settle your account either by full payment or by minimum payment.
To direct debit from the saving/cheque account you hold with us, you will need to provide your13-digit account number.
To direct debit from saving/cheque account in other banks within Australia, you will need to provide your bank name, account name, BSB and account number.
You can either select “Direct Debit Payment” when you complete the credit card application form, or call our customer service hotline during working hours to arrange a direct debit payment.
If you do not pay at least the required minimum payment amount by the due date, there will be a Late Payment Fee.
Please refer to our website for credit card fee and charge details.
You may ask to increase or decrease your credit limit by calling customer hotline on working hours.