Student credit card
Low annual fee, waived in your first year.
Fuss-free credit for full-time tertiary students.
- $0 annual fee in the first year, $30 in subsequent years
- Up to 55 days interest free on purchases when you pay the closing balance by the statement due date each month
- Variable interest rate of 20.45% p.a. on purchases and cash advances.
(these may change)
|Annual fee||$30, waived in your first year|
|Foreign transaction fee||A Foreign Transaction Fee is payable as a percentage of the Australian dollar value of any Foreign Transaction. The percentage will vary depending on the applicable credit card scheme:
|Cash advances/withdrawals fee||
An administrative charge of 2% of the value of the transaction will apply to each cash advance made on your card account, where your account has a negative (debit) balance after the transaction has been posted to it. A minimum charge of $2.50 and a maximum charge of $150 will apply in these circumstances.
Where your account has a positive (credit) balance after the transaction has been posted to it, a charge of $2.50 will apply to the transaction.
These charges will appear on your credit card statement directly below the relevant cash advance.
|Missed payment charge||A charge of $9 may be payable each statement cycle that the whole of the minimum monthly payment is not paid by the statement due date. If charged, the Missed Payment Charge will be debited to your account.|
|Over-limit fee||If your card account was opened before 4 June 2012, a fee of $9 may be debited from your credit card account every time you exceed your credit limit during a statement cycle. It is debited from your account in that statement cycle, on or after the day(s) your credit limit is exceeded. This fee may also be charged whenever your account is over limit at the commencement of a statement cycle.|
|Duplicate statement fee||$7.50 may be debited from your credit card account if you, or an additional cardholder, orders a copy of a statement that has already been issued for your account. This fee is debited from your account on or after the day you order the duplicate statement.|
|Purchases||20.45% p.a. (variable)|
|Cash advances||20.45% p.a. (variable)|