The following transactions are excluded from earningpoints: BPAY transactions, payments to the AustralianTaxation Office (effective 2/11/2015) unless made using aBusiness Awards card, balance transfers, cash advances(including a transaction treated by the Bank as a cashadvance, for example, utility bills paid in person at a bank),purchases of foreign exchange, credit card insurancepremiums, travellers cheques, interest charges, QantasFrequent Flyer Direct fees, Bank fees, Card accountpayments, transactions deemed by the Bank to be forbusiness purposes (excluding transactions on BusinessAwards, Business Gold Awards and Business PlatinumAwards cards) and any other transactions which may fromtime to time be excluded by the Bank.