3. We top up credit cards that are fee free for ATM withdrawals, as our debit (savings) cards charge commissions and fees for withdrawals at ATMs. We do not use the credit limit for cash advances as that would incur an immediate interest penalty (i.e. the advance accumulates interest from the moment you take it, rather than the interest free period). As the 28 degress is fee free and commission free, if you put it into credit you have access to your savings for no fee. The penalty of this is that you cannot use the same card for it's interest free periods, as any purchases also come off your topped up amount. I personally avoid this by having multiple accounts and using one for savings, one for credit.
Others may have the NAB and the 28 degrees.
Clear as mud?