Interest rates

Interest is the amount to pay on any money you still owe after the interest-free period ends.

Interest-free period is the time between when you use the card and the date when you settle your bill your bills. This can be 30 days or more and is totally interest-free. It's free borrowing, if you pay your bills in full every month.

Note that some transactions, such as credit card cheques and cash withdrawals may request interest to be paid immediately.