Credit card.

Credit card. 6 mth intro rate. Ongoing rate.
Introductory rate. 3.99% p.a. 11.74% p.a.
Annual fee. $45
Visa fees.  
- Cash Advances except [email protected] $4.10
- [email protected] cash advances. $6.10
- Declined transactions (insufficient funds). $1.50

- ATM direct charge.

(The ATM direct charge fee which is levied by the ATM Operator will be displayed on the ATM screen. You will only be charged if you accept the fee and proceed with the transaction.) 

Not ascertainable.
- Foreign currency conversion fee, percentage of value of transaction. 3%
Cheque/direct debit dishonour fees.  
- For each cheque deposited through the [email protected] system and subsequently dishonoured. $21.71
- Direct debit declined due to insufficient funds. $25
- Honouring a direct debit request where authorised credit limit will be/has been exceeded. $25
Cheque fees.  
- Issue of a corporate cheque. $9.10
Transfer fees.  
- Electronic transfer requested at a branch. $6.10
- Electronic transfer requested online. $5.10
- Transfer to accounts within Defence Bank. $4.10
Archive voucher retrieval fee (transaction query requiring archived voucher from bank). $20
- BPAY transaction. $0.50
- BPAY view. $0.20
Visa cards reported lost or stolen overseas.  
- Reporting a lost/stolen card to VISA International. $US35
- Emergency overseas visa replacement card fee. $US175
- Emergency overseas visa cash advance fee. $US175
Late payment fee. $20
Notice of Demand (enforcement notice). $20


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Applicable for the first six months which then reverts to the variable credit card rate, currently 11.74%pa.