Annual percentage rate: the annual percentage rate which will apply to the unpaid daily balance on your card account is 20.50%, subject to any interest free period and any special promotions, if applicable.
Interest free period: there is an interest free period on your card account of up to 55 days on purchases and other debits, other than cash advances and balance transfers.
Minimum payment due: you must pay the minimum payment due shown on each monthly credit card statement on or before the due date, giving due consideration to processing times for each payment method. However, if that day is not a business day, it is due on the next business day. The minimum amount owing is calculated as the greater of $20 or 2% of the closing balance (rounded to the nearest two decimal points). If the closing balance is less than $20, then the minimum payment due is equal to the closing balance. In addition, you must pay any amount in excess of the credit limit and any amount shown on the monthly credit card statement as overdue. These amounts are due and payable immediately.
A full list of credit card fees can be viewed here
