means a fee charged by--
| a) | a banking institution as defined in section 1(1) of the Banks Act, 1965 (Act No. 23 of 1965), for keeping on behalf of a client a cheque account from which withdrawals may be made by such client by means of a cheque which is eligible for clearing through the clearing house system of the clearing banks of South Africa and which is so charged whether the account shows a debit balance or a credit balance; or |
| b) | a banking institution contemplated in paragraph (a) (or its wholly-owned subsidiary) for the issue and use of a credit card in terms of a credit card scheme operated by such banking institution or wholly-owned subsidiary as manager of such scheme. |