The information contained on this page summarises key product features and is not intended to replace any terms and conditions.
Overlay
APR
Interest rates
Transaction type
Monthly rate
Annual rate (Simple)
Annual rate (Effective)
Purchases
1.663%
20.0%
21.9%
Cash advances
2.005%
24.1%
26.9%
Balance Transfers
1.663%
20.0%
21.9%
Money Transfers
2.005%
24.1%
26.9%
Interest free period
Interest charging information
Allocation of Payments
Minimum repayment
Information Message
We encourage you to pay more than the minimum amount each month, to clear your balance more quickly and pay less interest. If you're finding it difficult to make payments please tell us so that we can try to help.