Your credit card statement explained

Your credit card statement might seem like just another monthly bill to deal with, but it's important to take a minute to read through it and understand it, rather than just paying it – though of course that’s really important too.

Take a look at our helpful guide below or download our PDF.

  • Front of statement
  • Back of statement
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  • Front of statement
  • Back of statement
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  • Front of statement
  • Back of statement
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  1. Computer

1. Account Number

This is the account number for your credit card account, however, you may have more than one card, with a unique card number, on your account (e.g. for additional cardholders). Your statement will show the transactions for all cards set up under your account.

2. Statement Period

The transactions you’ve made between these two dates will be shown on this statement.

3. Available Credit Limit

What you have available to spend on your credit card. Just remember this may not include transactions that are still in the process of being posted to your account. Or transactions you made after the last day of the statement period.

4. Payment Due Date

This is really important. Please make at least the minimum payment by this date.

5. Opening Balance

The outstanding balance at the start of the statement period.

6. Closing Balance

The outstanding balance at the end of the statement period. This is the total payment due.

7. Rewards Points summary

If you have a hotpoints® credit card, this shows the details of any hotpoints you’ve earned. If you have an Airpoints™ credit card, your Airpoints Dollar™ summary will be shown here instead.

8. Overdue Amount

This is any amount overdue from your last statement and should be paid immediately.


9. Minimum Payment Due

Please pay this amount by the payment due date to avoid extra charges. But remember, if you only make the minimum payment each statement period, you will pay more interest and it will take you longer to pay off the unpaid balance.

10. Important Messages

Any important messages relating to your account are shown here.

11. Transactions

A list of all your transactions, charges and payments.

12. General Payments and Charges

Details of any fees or interest you’ve been charged. 

13. Interest brought forward

Interest on purchases from your previous statement that have not been paid in full.

14. Transaction Date

When the transaction was made.

15. Process Date

When the transaction was processed to your account. This may be different from the transaction date due to merchant delays, weekends or public holidays.

16. Card number

For security we’ll only ever display the last 4 digits of this on your statement. The purchases and cash advances made from this card are listed underneath. Transactions from other named cardholders on this account are shown in a separate list.

17. Name of retailer/merchant

The name of the retailer or the company name of the retailer where you made your transaction.

18. Interest Rate

The interest rates that currently applies, as well as the closing balances that are subject to those rates.

19. Cash advance interest rate

If you withdraw cash from your credit card, this is the interest rate you’ll be charged. Interest is charged from the day you make the withdrawal (no interest free days) and is at a higher rate.

20. Ways to Pay

All the ways you can pay your credit card.


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