Payment card surcharges
A payment card surcharge is a bank processing fee for credit or debit card payments. The payment card surcharge applies to credit or debit cards from:
Visa
Mastercard
American Express
Current surcharge rates
Surcharge rates are determined by our financial institution and can vary from time to time. We review these surcharges monthly.
Last updated 15 November 2023.
| Card type | Surcharge |
|---|---|
| Visa Credit | 0.84% |
| Visa Debit | 0.36% |
| Mastercard Credit | 0.83% |
| Mastercard Debit | 0.39% |
| American Express (AMEX) | 2.15% |
Avoid the surcharge with direct debit
You can avoid the payment card surcharge by switching to a direct debit payment with your nominated bank account. You can also pay with BPAY or pay in person at a participating outlet, depending on your account or pass type.
Learn more about paying with BPAY or cash.
How to set up direct debit payments
- Log in to your account
- Select ‘Payment details’ from the menu
- Under the ‘Auto pay’ section (displaying your current payment method), select the ‘Change’ button
- Enter your account name, BSB and account number
- Read and accept the Direct Debit Service Agreement
- Select ‘Save’
- Open the Link app
- Select ‘Account’
- Select ‘Payment settings’
- a) If an auto top-up is already set up, go to the ‘Payment methods’ section and select the green pencil icon to update or replace your credit card or direct debit details
b) If auto top-up is not set up yet, select ‘Auto top-up’, enter a top up amount and select ‘Direct debit’ - Enter your account name, BSB and account number
- Read and accept the Direct Debit Service Agreement
- Select ‘Save’
We’ll send you an email confirmation once you’ve successfully completed these steps.