| Interest Rate |
Amount |
Description |
Credit card annual
percentage rate |
Up to 18.99% |
Interest rate charged on outstanding
standard MasterCard purchases (ie. non-promotional purchases) and expired balance transfers. |
| Standard annual percentage rate |
23.99% |
Interest rate charged on an expired promotional purchase (ie. after the interest free period has expired) |
| Cash annual percentage rate |
Up to 23.99% |
Interest rate charged on outstanding cash advances. |
| Services Fees |
Amount |
Description |
| Annual fee |
$40 |
This fee is charged annually. |
| Account service fee |
$2.95 |
Charged monthly if the outstanding balance is greater than $10. Not charged if balance is standard MasterCard (ie. non-promotional) purchases only. |
| Replacement card fee |
$10 |
When you or the additional cardholder request a replacement card when any card is lost, stolen or damaged. |
| Additional cardholder annual fee |
$25 |
This is an annual fee for each additional card issued on the account. |
Late and
dishonour fees |
Amount |
Description |
| Over-limit fee |
$35 |
This is charged if your balance exceeds your credit limit. This fee is only charged once in each statement period. |
| Late fee |
$35 |
This fee is charged if you do not pay any amount that is due and payable (e.g. your minimum monthly payment) by the due date.
|
| Cheque payment dishonour fee |
$9 |
This is applied if a cheque payment is rejected by the paying bank. |
| Direct debit dishonour fee |
$2.50 |
This is applied if a direct debit is rejected by the paying bank. |
| Cash Fees |
Amount |
Description |
| Cash advance fee |
Greater of 2% of the cash advance or $1.95 |
Charged when you withdraw cash (if the cash advance is made by direct debit this fee won't exceed $20) |
| International Fees |
Amount |
Description |
| International cash access fee |
$4.00 + cash advance fee |
Charged when you withdraw cash overseas from an ATM. |
| International counter transaction fee |
$5.00 + cash advance fee |
Charged when you withdraw cash overseas other than from an ATM. |
| International transaction fee |
3% |
Charged when you make a transaction outside of Australia or the merchant is outside Australia. |
| Payment Fees |
Amount |
Description |
| Payment handling fee |
$1.50 |
Charged for each payment made at Australia Post. |
| Statement reprint fee |
$7 |
This is charged if you request a copy of your statement (the fee is waived if you did not receive your original statement) |
| Information fee |
$10 |
When you request information about the account or this credit contract and we give that information in writing. |
| Trace fee |
$30 |
If you move, you need to let GE Money know your new address. If your monthly payment is late and we have to trace where you’ve moved to, you’ll be charged a Trace Fee. |
