Payments are set-off against the charges and purchases in the following order:

• Government charges
• Fees (Late Payment fee/ Over Limit fee)
• Fees (Cash Advance fee)
• Fees (others)
• Interest charges
• Scheduled monthly installment payments (Transactions)
• Scheduled monthly installment payments (Balance Transfer)
• Cash Advances
• Point of sale purchases and other

• Payment allocation for same type of transactions is done on First-in First-out (FIFO) basis.