There is no interest if you pay off all your purchases within the interest free period (i.e. the first 3 months of the month of purchase). After the interest-free period, an interest rate of 3% per month will be applied against your daily outstanding principal balance across the month.

The only other fee is just a $12 fee, only if you have an amount owing on your Propell account at the end of a billing cycle. This fee will be direct debited from your nominated bank account at the end of that billing cycle.

Note, for all new Propell accounts, the first billing cycle is fee-free. The $12 fee is applicable from the second billing cycle onwards.