Key points about credit card payments

  • You can make payments to your credit card account at any time, but you need to pay at least the minimum amount shown on your statement each month. 
  • If you can't pay the whole statement balance, it's a good idea to pay as much as you can, as it may help to keep any interest costs down.
  • If you only make the minimum payment each month, it'll take longer and cost you more to pay off your balance.
  • If you miss a payment, you are likely to be charged a late fee and damage your credit rating. You could also lose any promotional rates on your credit card and have to pay the standard interest rate instead.
  • Set up a regular Direct Debit payment and we’ll automatically claim your selected payment amount when it’s due. 
  • You can also make payments, instead or in addition to a Direct Debit, from a bank account, with a debit card, by cheque or with cash at a branch. 
  • If you choose to make one-off payments, just make sure that the method you use will get your payment to us on time. 
  • You can request to change your payment due date to better suit your needs, e.g. if you usually receive your salary later than your due date falls. The fastest way to do this is through Internet Banking on a laptop or desktop computer. From your credit card account summary, select ‘More actions’, then ‘Paying your credit card’, then 'Request payment due date change'.