I've just spent much time on the phone clearing up something that has bothered us regarding credit card usage in Fiji. It seems everyone is a bit confused, so we went directly to the source (the banks who issue the credit card services) and found out the true story.
When you are traveling in Fiji, you may come across a resort or restaurant that tells you "we have to charge you X% to use your credit card." That "X" is anywhere from 3% - 5% extra added onto your bill. When you question it, the person will usually tell you "well, that's what the bank charges us."
This is absolutely, positively illegal and against banking policy in Fiji. Unfortunately, travelers to Fiji don't realize this, and I believe some resorts don't. When confronting people who do this, they usually come back with "oh, well, the price I quoted you was for a cash discount." This is just another, round about way of saying "we're charging more for credit cards." And it doesn't matter how they word it, it is not an acceptible practice in Fiji. The banks have told me that this can be cause to have a restaurant or hotel's credit card services revoked.
It clearly states on the card services agreement that each resort receives, that they are not allowed to pass on their credit card percentage rate onto the consumer.
So, what to do? Inform the resort or restaurant (or store or gas station, etc) that you know this practice is not legal. Straight from ANZ and Westpac, the two biggest banks in Fiji. The banks have informed me that if the resort will not back down, you can always challenge the additional interest that was charged to your card when you come home. This is directly from the credit card services manager's mouth.
I am sincerely hoping that resort owners, restaurant owners, activity owners as well as travelers read this post, so they will, finally, understand the policy that the banks themselves, in Fiji, have set forth.