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Credit Cards Terms and Conditions changes

What is the ePayments Code?

The ePayments Code is a voluntary Code regulating consumer electronic payment transactions, including ATM, EFTPOS and credit card transactions, online payments, internet and mobile banking, and BPAY®. Detailed information about the Code can be found on the ASIC website.

The ePayments Code replaces the Electronic Funds Transfer Code of Conduct (EFT Code) to which BankSA currently subscribes. BankSA will be subscribing to the ePayments Code on and from 20 March 2013.

As under the EFT Code, the ePayments Code will:

  • require subscribers to provide customer disclosures in relation to fees, transaction limits and other terms and conditions;
  • require subscribers to give receipts and statements in certain circumstances; and
  • provide consumer protection in cases of fraud and unauthorised transactions.

The ePayments Code also introduces new protections, such as new complaints rules and a process to resolve mistaken Pay Anyone internet payments.

To reflect both our obligations and further protection for you under the ePayments Code, effective 20 March 2013, we are making changes to your product terms and conditions as set out below. We have also made some changes to make our terms and conditions clearer.

Details of Terms and Conditions Changes

Amplify Visa Card, Gold Advantage Visa Card, Gold Advantage MasterCard®, Gold Low Rate Visa Card, Gold Low Rate MasterCard®, Platinum Visa Card, Essential Visa Card, Essential MasterCard®, No Annual Fee Visa Card, No Annual Fee MasterCard®, Starts Low Stays Low Visa Card, Starts Low Stays Low MasterCard®, Vertigo MasterCard®

Here are details of the changes set out separately:

Here are the new product terms and conditions which will apply on and from 20 March 2013:

Internet and Phone Banking

Here are details of the changes set out separately:

Here are the new product terms and conditions which will apply on and from 20 March 2013:

Important information

BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

MasterCard® and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.