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This is the total amount you owe from your previous billing cycle. Paying your statement balance in full by the due date is the best way to keep the interest-free period on your purchases.

If you've previously lost your interest-free period, paying the full statement balance can help you regain it.

Your monthly payment due is the amount you need to repay each month. This includes the minimum repayment and any overdue balance. Make sure you pay this to keep your account from going into arrears.

This is the minimum amount you need to pay by the due date. Paying at least the minimum repayment each month prevents late fees, potential account restrictions such as spend, or RevPoints, or decreases to your credit limit.

If you choose to make any repayment amount that doesn't pay off your statement balance in full, you'll lose your purchase interest-free period. If you don’t pay off your statement balance in full, we'll allocate your repayments according to your Credit Agreement.

To check your credit agreement, go to 'Credit Cards', tap 'Info', and select 'Documents'.