Managing your account
Everything you need to know about managing your account.
How to make repaymentsShow more
As a Buyer’s Edge customer, you’ll receive a monthly statement if you have activity on your account.
Each statement provides an outline of the transactions made over the last month and the minimum payment required. The minimum monthly payment on Buyer’s Edge is 4% of the total outstanding balance, or $30, whichever is greater (Plus any overdue payments, over limit amounts and fees).
With Buyer’s Edge, it's easy to make payments when you need to. Choose the method that suits you best: direct debit, BPAY®, through the online service centre, by mail or in person.
The direct debit facility helps to ensure you never miss a payment by setting up automatic monthly payments to your Buyer’s Edge account from your savings or cheque account. You can call us on 1300 361 152 to set up your Direct Debit over the phone or download a Direct Debit Request form here.
This service is available to you 24 hours a day, 7 days a week. Check with your bank about the BPAY® methods available to you. Check your monthly statement for all the information you need:
Biller code - 8714
The customer reference number (CRN) is your Buyer’s Edge account number (not your card number) - this can be found in the top right hand corner of your statement.
This payment method incurs charges. Please see fees and charges for more information.
Online Service Centre
The quickest and easiest way to make repayments. Simply log into the Online Service Centre, click ‘Pay My Account’ and enter your bank details. Registering is easy and only takes a few minutes, just make sure you have your card or 16-digital account number on hand.
*If you use the Online Service Centre via “Pay My Account”, please be aware that payments can take 3-5 business days to clear and you can only make one payment to your card account every 5 days. We do not charge you a fee for payments made via the Online Service Centre.
Make your cheque or money order payable to: 'Buyer’s Edge'
Attach your payment to the payment slip on your statement and return to:
Locked Bag 20040
MELBOURNE VIC 3001
Don't forget to write your name and account number on the back of your cheque or money order. Please make sure you allow 10 days to process your cheque.
You can also pay in person at any Australia Post outlet with cash or a cheque made payable to 'Buyer’s Edge'. You must bring your statement with you when paying at Australia Post. This payment method incurs charges. Please see fees and charges for more information.
Your cash cardShow more
Unlock the potential of your Buyer’s Edge card.
Here’s 3 easy ways to access your cash advance.
- Withdraw cash from any ATM, anytime. Just select ‘credit’ and enter your PIN.
- For help with everyday spending, use your card for EFTPOS purchases. Select ‘savings’ and enter your PIN.
- For those bigger purchases, call 1300 361 152. A deposit of up to $3,000* can be transferred into your personal bank account in around two business days.
Before using EFTPOS, withdrawing cash or requesting a deposit, always consider your ability to pay it off. The current cash interest rate is 29.99% per annum.
*Available to primary cardholders only and subject to your available credit limit. Please note: Interest at the prevailing interest rate is charged daily from the date of the cash advance, and applies to all cash advances as described above. A cash withdrawal fee of the greater of $3.00 or 3% (capped at $30) is charged per deposit, ATM withdrawal/EFTPOS transaction. Please refer
Additional cardholdersShow more
Your additional cardholder can go interest free shopping at over 9,000 stores around Australia and can access cash on your account.
Simply call 1300 361 152 and ask for an additional cardholder application form.
Forms & brochuresShow more
Below is a list of useful forms and brochures. To print and complete the forms, you’ll require Adobe Acrobat Reader installed on your computer. You can obtain a free copy from http://get.adobe.com/reader
Credit limitsShow more
Your credit limit
Your credit limit and available credit limit can be found on the top right corner of your monthly statement or you can log on to the Online Service Centre to check it any time.
Your cash limit
It’s important to note that your credit limit can be different from your cash credit limit. The amount of available credit you can access as cash can be found on the top right corner of your monthly statement or you can log on to the Online Service Centre to check it any time.
You can use the Reduce Credit Limit Form to request a credit limit reduction.
Activating your cardShow more
To activate your card simply have your card and credit limit handy (credit limit can be found on your statement or Financial Table) and call 1300 361 152.
Your Buyer’s Edge card is sent to you inactive for security reasons. Activating your card validates that, as the intended recipient, have received the card. Once activated, you can pass to your additional cardholder so they can make interest free purchases and access cash on your account.
Please note, additional cardholders need to have their card activated by the primary cardholder on the Buyer’s Edge account.
Your security PIN (Personal Identification Number)
Your PIN is unique to you and you should receive it in the mail a few days after you receive your card.You can use your Buyer’s Edge card, with your PIN to access cash from ATMs around Australia or to make purchases using EFTPOS.
Changes to your credit cardShow more
Where can I find information on changes to my credit card?
Click here for information about the changes.