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What is a spending cap?

See all Credit cards FAQs

Last updated 28 September 2017


A spending cap is an easy way to help manage your spending by capping a portion of your credit limit. When you reach your cap, purchases will be declined (Direct debits, BPAY® and scheduled payments will still go through).

A spending cap applies to all cards and any additional cardholder’s cards on the same account.

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