^MYER one Shopping Credits are not earned on cash advances, cash equivalent transactions, balance transfers, balance protection insurance premiums and interest, fees and charges. Shopping Credits awarded for spend outside of Myer are capped at 2000 Shopping Credits per month.

^^As reported by members as of September 2007.

**To earn 3 MYER one Shopping Credits at Myer, your MYER one Card and Myer Visa Card must be presented together and excludes Gift Card purchases, lay-by and credit card payments and at M Window Fashions, Portrait Place, Santa's Photo Factory, Ticketmaster, Laubman and Pank, Cavallo Nero, Liverpool Travel, CBD Lotto and the Nespresso Shop.

¥To obtain up to 62 days interest free you must pay your account in full by the due date every month. Interest free days do not apply while you have a balance transfer balance.

#Special promotion fees, other fees, minimum purchase, deposit and other conditions may apply, see instore for details.

*An Additional cardholder fee of $9 per year per additional card is charged on the same day as the annual fee.

The following is a summary of the fees and charges on the Myer Visa Card. Your contract will give more detail about these fees and charges:

(Rates are variable and are subject to change. Current as at 12 November 2007.)

FEES AND CHARGES
Annual fee		$39, waived for the first year
Additional cardholder fee		$9 per year per additional card and is charged on the same day as the annual fee
Cash advance fee		3% of the cash advance or cash equivalent transaction or $1.95, whichever is the greater
International cash access fee (ATM)		$4, in addition to the cash advance fee
International counter transaction fee		$5, in addition to the cash advance fee
International transaction fee		3% of the Australian dollar amount of the international transaction
Late fee		$35
Overlimit fee		$30
Direct debit dishonour fee		$2.50
Cheque payment dishonour fee		$10
Payment handling fee		$1.50, which is not payable for payments made in-store at Myer, by mail, by direct debit or by BPAY.
Voucher retrieval fee		$7, unless the voucher shows that no cardholder authorised the transaction
Repeat statement fee		$7
Trace fee		$30, if you are overdue and you have changed address without notifying us
Special promotion fee		$25, on each occasion you make a purchase subject to a special promotion unless the conditions of the promotion state that the fee will not be charged
Account service fee		$2.50 per month if the balance of your special promotions is $10 or more at the statement date

Current as at 12 November 2007. Subject to change

If you are already a Myer Visa Cardholder, you can access some useful documents for your account by clicking on
the links below (in PDF format):

Use your Myer Visa Card everywhere you shop until Sunday 2 November 2008 and you’ll automatically go into the draw for a chance to win one of 10 prizes of 100,000 MYER one Shopping Credits. Click to view Terms and Conditions