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#Best no foreign transaction fee credit cards australia pdf
#Best no foreign transaction fee credit cards australia full

National Australia Bank Limited ABN 12 004 044 937 Australian Credit Licence 230686 (“NAB”) is the credit provider and issuer of the Credit Cards. Virgin Money Australia, a division of Bank of Queensland Limited ABN 32 009 656 740, Australian Credit Licence 244616 (“BOQ”), promotes and distributes the Virgin Money Credit Cards ("Credit Cards").

#Best no foreign transaction fee credit cards australia pdf

Please note that to read our PDF forms, you will need to have Adobe Reader installed on your computer. Approval is subject to our credit criteria.Īll offers are non-transferrable, not redeemable for cash, and subject to change or withdrawal without notice at the discretion of Virgin Money. for the Virgin Australia Velocity High Flyer Card. for the Virgin Money Low Rate Card and Virgin Australia Velocity Flyer Card or $75,000 p.a. for the Virgin Money No Annual Fee Card, $35,000 p.a. If you are a permanent resident you must earn at least $25,000 p.a. You must be at least 18 years of age to apply for a credit card. This information is correct at 1 August 2023.

#Best no foreign transaction fee credit cards australia full

See our full terms and conditions here.Īll interest rates shown are variable.

New cards customers only and cannot be used in conjunction with any other offers. To enrol, log on to your Virgin Money Online account and select ‘My Profile’ from the Services tab.įees, charges, and credit criteria apply.

This may be waived in limited circumstances.Īvoid this fee by opting in to receive electronic communications (eStatements) which are sent directly to the email address on your Account. Overlimit fee applies to accounts activated prior to 1 July 2012.įor each statement period we issue you with a paper statement, $2 will be debited to your account in the following statement period. $40 per statement period when your credit limit is exceeded, debited to your account on the date your credit limit is exceeded and on each statement date in subsequent statement periods if your account remains overlimit. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account. $30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. $15 each time a cheque or Direct Debit payment is dishonoured Note: It may also not always be clear that the merchant or its financial institution/payment processor is located or registered outside Australia. We do not determine whether a Card transaction will be converted into local currency by the merchant or ATM and you may have to check with the relevant merchant or ATM provider. The process of conversion and the exchange rates applied will be determined by the relevant ATM, merchant or dynamic currency conversion service provider as the case may be.

Australian dollars (or any other currency), when either the merchant or its financial institution/payment processor is located or registered overseas, including transactions that involve dynamic currency conversion (that is where a transaction denominated in a foreign currency is converted to local currency which is a service that is offered by certain ATMs and merchants).

foreign currency once converted to Australian dollars and/or.

We charge you an International Transaction Fee of 3.3%, debited to your Account on the Transaction Date, of which a service and assessment fee of 1% is payable by us to Visa, for any Retail Purchase or Cash Advance transaction in: Please note this is in addition to any International Transaction Fee that may be payable. $5 per transaction amount for a Cash Advance outside of Australia, debited to your Account on the Transaction Date. On amounts of $100 and over: 2.7% of the transaction amount On a cash advance less than $100: $2.70 per transaction Fees common across all our credit cards A Cash Advance Fee ‐ (Domestic)