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Rates & fees
|Purchase annual percentage rate||20.49% pa|
|Cash purchase annual percentage rate||22.49% pa|
|Cash advance fee||Greater of $1.95 or 3% of the cash advance amount|
|Interest free days||Up to 55 days1|
|Australia Post payment fee||$2.00|
|Monthly account keeping fee||$0|
|International ATM fee||$4 in addition to the cash advance fee|
|International (OTC) fee||$5 in addition to the cash advance fee|
|International transaction fee||3% on all purchases and cash|
|Replacement card fee||$10|
|Cross-border assessment fee (set by MasterCard International Incorporated)||Equivalent to an additional 0.8% of the transaction amount|
|Currency conversion assessment fee (set by MasterCard International Incorporated)||Equivalent to an additional 0.2% of the currency conversion rate applied to the transaction amount|
1To take advantage of up to 55 day Interest Free on credit card purchases, you must pay the full balance of the account (excluding unexpired Interest Free promotional plans) both for the statement before the puchases were made, and for the satement on which the purchases are listed.