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What are the fees and charges with this card?
There are a couple of standard fees to pay with the GE CreditLine Card. First, there's a one-off Establishment Fee of $48 to set up your account. Then there's a $48 Annual Account Fee. You pay this each year on the anniversary of the opening of your account.
For other fees and charges, take a look at the table below.
When do I have to pay my establishment fee?
With the exception of CreditLine Select and Deferred Payment promotions, the establishment fee is payable as part of your minimum monthly payment.
With a CreditLine Select promotion, the establishment fee is payable in addition to your first monthly payment.
With a deferred payment plan, the fee is not payable until the end of the deferred period.
What about interest rates?
The Annual Percentage Rate is 27.95%.
This is the prevailing interest rate that you pay on any outstanding balance after the promotional period ends. It is also the rate that cash withdrawals incur from the date of withdrawal.
Below is a summary of your fees and charges.
| GE CreditLine | Amount | Description |
| Interest rate | ||
| Annual Percentage Rate (APR) | 27.95% | The current prevailing interest rate applicable on any outstanding balance after the promotional period ends. |
| Cash rate | 27.95% | The current prevailing interest rate will be charged from the date of withdrawal on cash advances. |
| Service fees | ||
| Establishment fee | $48 | This is a once only fee for establishing your account. |
| Account service fee | $48 | You pay this each year on the anniversary of the opening of your account. |
| Overdue fees | ||
| Late payment fee | $15 | This fee is charged if you do not make the full minimum payment by the due date shown on your statement. |
| Cash fees | ||
| Cash advance fee | $6 | For over the counter cash advance withdrawals via Westpac Bank. |
| ATM withdrawal fee | $1 | For cash advance withdrawals made via ATM’s. |
| Transaction or payment handling fee | $2 | For each payment made over the counter at a Westpac bank branch. |
For more information about GE CreditLine, please call Customer Services on 0800 500 505 Monday to Friday, 8.30am - 6pm.
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