Fees & Charges

Fee Amount What you need to know
Annual fee $99 Applies your first purchase, and on the anniversary of that first purchase every year afterwards.
Interest rate 24.99% pa The same rate applies to interest bearing balances, such as cash advances & outstanding retail purchase balances, after the 0% interest promotion expires.

Cash advance fee

3% of the cash advance or $3, whichever is greater, capped at $30 Applies to cash withdrawals from your account, or if you make a BPAY payment to a biller who doesn't accept credit cards (GE will ask whether you want to make the BPAY payment as a cash advance before you make the payment). This fee cannot be avoided if you make a cash advance. You can access cash from any ATM around Australia. Simply select "credit" & then enter your PIN. Using Westpac ATMs will help reduce your fees. You won't pay the industry wide ATM operator fee when you use a Westpac ATM.
International transaction fee 3% of the purchase or cash advance Applies to all purchases & cash advances made in a foreign currency or from a merchant based in a country outside of Australia.
Late fee $20 Applies if you fail to pay the minimum monthly payment by the due date.
Paper statement fee $2.00 per statement You can avoid this by opting to receive your statement online. Simply login to the Online Service Centre & register for online statements.
Payment handling fee

$2.50 (in person)

$0.95 (online)

You can avoid this fee by making your payments via mail, direct debit or via the Online Service Centre.

* Fees & charges correct as at 31/8/2016, as stated on the GE Gem Visa website.

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