Easy Instalments Transaction Plans

There’s no obligation to make your monthly Easy Instalments payment, but you’ll need to pay the minimum monthly payment for your credit card (found on your statement) to avoid a late payment fee.

Any repeating or scheduled payments you have won’t change. If you want, you can update your payments to include your instalments.

To keep any interest free days on purchases, you’ll need to pay your monthly instalment amount (including any that are outstanding), plus any statement balance or balance transfer amount not on an Easy Instalments plan, by your due date.

Not all transactions are eligible – things like balance transfers, cash advances and gambling transactions can’t be put on a plan.

If you’ve recently made a purchase, it might still be marked as ‘authorisation only’, so it’s best to check back in once the transaction has processed.

When you apply for an Easy Instalments plan, you’re requesting we apply your credit card payments first towards your monthly instalment amount (including any that are outstanding). This means any other amounts that attract a higher interest rate (like a cash advance and any purchase not on a plan) may be repaid later, which could result in you paying higher interest charges.