Manage my credit card

So, you’ve got a credit card – now what? From setting up your card to using it all over the globe, we’ve got you covered.

Getting started

First thing’s first – set up your card so you can start using it. Find out how to activate your card.
 

Find your digital card details

You don't need to wait for your physical card to arrive to start making the most of it – you can find your digital card details in our app. This means you can start using it immediately where a physical card isn’t needed. Find out more.

Learn how to manage your card in our app

The Ellitetrust App makes it easy to manage your card on the go, including locking your card, copying your card details, tracking your account activity and more. See what you can do.

Keeping your card safe


Locking your card

In the app

  1. Go to the ‘Accounts’ screen from the bottom menu​
  2. Choose your account​
  3. Go to the ‘Manage’ tab​
  4. Turn on ‘Temporary card lock’.

In online banking

  1. Go to 'Self service' > 'Manage my cards' in the menu
  2. Choose the card you want to lock
  3. Turn on the ‘Temporary lock’ toggle and follow the prompts.

A more secure way to use your card online

When you link your card to certain online services, it creates a connection between your card and the service, without using your actual card details. It’s called card connections – learn more.

Noticed a transaction you're not sure about?

If a transaction on your account left you scratching your head, don't worry just yet. You can quickly put your mind at ease by using the Ellitetrust App to see detailed info on who's really charged you – including the business type, location and contact info. See how.

Repayments, fees and interest

Common fees

You can find a full list of fees and charges in your T&Cs, but look out for:

Late payment fee
If you don’t pay at least the minimum monthly repayment on time.
If your statement refers to an “Amount Due Immediately” you must also pay that amount by the due date.

Paper statement fee
If you receive paper statements instead of eStatements – find out how to switch statement types.

Cash advance fee
If you withdraw money from your credit card – find out more about cash advances.

Manage your repayments

An Easy Instalments plan can help you pay off...​
  • A one-off purchase

    If you make an eligible purchase between $100 and $10,000, you could set up a plan to pay it off in four manageable monthly instalments – at 0% p.a. You can have up to five plans per credit card account, and they can be set up and managed in the app.
  • Your purchase balance

    A balance plan could help you pay off your credit card in manageable monthly repayments – with a lower interest rate.

Getting on top of your balance

We know it can be tricky to stay in control, but we’re here to help if you’re feeling overwhelmed.

Travelling with your card

Heading overseas? Here’s some handy info about using your credit card abroad.

Tell us you’re leaving

Choose ‘International’ from the main menu in the app or fill out an Overseas Travel Notification in online banking. We’ll keep an eye out for any suspicious activity.

Handy guides

Making the most of your benefits and rewards

There’s some handy perks to having a credit card that you could use to your advantage.


Redeem your points

Browse through the catalogue on our Rewards website to see how you could make your points work for you. You can also check out our Rewards help page for more info and FAQs.

Need help?

You can message us in the Ellitetrust App, or call us – we’re here 24/7.

Lending criteria, fees and charges apply.

Terms and conditions are available on request.