How is the Total interest rate table calculated?

(1) Base interest
Pricing (% p.a.) Meet Card Spend Meet Card Spend and GIRO or Salary
Any Balance 0.05% 0.05%

(2) Base interest
Pricing (% p.a.) Meet Card Spend
(Bonus A)
Meet Card Spend and GIRO or Salary
(Bonus B)
First 10,000 0.95% 1.45%
Next 20,000 1.45% 1.95%
Next 20,000 1.95% 3.28%
Above $50,000 0.00% 0.00%

Total interest  = (1) + (2)
Pricing (% p.a.) Meet Card Spend
Meet Card Spend and GIRO or Salary
First 10,000 1.00% 1.50%
Next 20,000 1.50% 2.00%
Next 20,000 2.00% 3.33%
Above $50,000 0.05% 0.05%