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A credit card lets you borrow money for everyday purchases, up to a set credit limit which you can pay back later, and may incur interest or fees if the balance isn’t paid in full by the due date.

While it gives you extra buying power, it's best used for short-term needs where you can repay the balance quickly to avoid building up interest charges.

For larger expenses or long-term borrowing, our Personal Loan might be suitable for you. You can read more in this article.

Credit cards come with extra costs. Understanding what they are is key to avoiding and minimising them. You can learn more about your interest and fees in this article.

Your specific limit is determined based on information provided in your application and our assessment of your financial situation and credit history. We offer credit limits ranging from $1,000–$35,000.

When you apply for a credit card, we calculate a maximum credit limit that you could be eligible for based on several factors, including your credit history, your ability to repay, and our internal risk assessments.

Your ability to repay is determined by looking at your income, regular expenses, and spending habits.

You’ll then get the opportunity to select the credit limit that you’d prefer (up to the maximum amount). When choosing a limit, consider your personal circumstances and your monthly budget.