Looking at the definition of 'government charges', it's expansive.
It's also worth noting that BPay and Billpay transactions are excluded too.
Anyhow, have a look at clause 7 of the T&Cs.
Thanks mate , I have not done any Bpay/Billpay transactions. I think their calculations are screwed and doesn't make any sense. If not for the velocity points , I would not even want to use that card.