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Be confident with your everyday credit card spend.
With the Aussie MasterCard® in your wallet you’ll enjoy the benefits of:
A low interest rate of 11.99% p.a.* on purchases
Up to 55 days interest free credit on purchases
0% p.a. interest rate on balance transfers for the first 6 months^. Limited offer. Apply by 31 May 2008.
Credit limit up to $15,000
24 hour call centre assistance - at home and overseas
Shop safely Online with MasterCard SecureCode™
A competitive 15.99% p.a. on cash advances*
Get an online response in 60 seconds
And you don’t have to be an Aussie customer to apply
*Interest rates current at 12 March 2008 and subject to change. Terms and conditions available on application. Fees and charges apply. Approval subject to our normal lending criteria.
^ From date of card approval. Only valid for balance transfers from non-Aussie credit and store cards.
Balance transfer rate applies only to the balance transferred for six months from the date your card is approved, and then reverts to the standard variable rate applicable for purchases on your card. Balances that remain unpaid at the end of this period will become subject to the standard variable rate applicable for purchases on your card. Interest accrues on balance transfers from the date the transfers are processed by us. Aussie Credit Cards are provided under agreement by Australia and New Zealand Banking Group Limited ABN 11 005 357 522.
The No Fee credit card is ideal for occasional purchases or a handy source of credit in case of emergencies. Enjoy the security of emergency cash on demand with no annual fee to pay.
Personal Credit lets you consolidate your debts with a great balance transfer offer AND have the option to spend at an equally attractive rate.
SAVE with a low balance transfer rate - 6.9% p.a.* for LIFE on balances you transfer† from non-Citibank credit cards, store cards and personal loans.
SAVE with a low ongoing rate - 13.99% p.a. on ANY purchases and cash advances. Use it for everyday purchases and cash withdrawals, and save even more.
SAVE with none of the everyday transactional fees# - NO transaction, ATM/EFTPOS or cash advance fees# so even more money stays in your pocket.
Have the freedom to buy what you want - With $5,000 to $25,000^ to use on whatever you want, Personal Credit gives you the flexibility to repay and re-borrow funds.
Convenient access with a Visa Debit Citicard - Use at ATMs, and to purchase in store, online and over the phone. A chequebook is also available on request.
At last a credit card that gives you a low interest rate of 0% on balance transfers for 6 monthsØ as well as a low interest rate of 11.99% p.a. on purchases*. With Citibank Clear Card, the choice has never been clearer.
11.99%p.a ongoing for purchases*
Access your account anywhere, anytime via Internet and phone banking
Up to 55 days interest free on retail purchases
Access to Citibank World Privileges - It's your passport to exclusive upgrades, benefits and discounts at thousands of hotels, restaurants, shops, shows and services worldwide. With everything from glorious weekends away to sumptuous dinners in Australia's finest restaurants, you'll find something to tempt you.
Generous credit limit of up to $20,000^ - Citibank Clear card gives you the purchasing power you want and the financial flexibility you need.
Fraudshield® - Our fraud department checks any unusual activity to detect early signs of fraud and will contact you to check when they spot irregular purchases.
Up to 4 additional cardholders - Share the benefits of your Citibank Clear Card with up to 4 family members.
Offer available online only for a limited time
The annual fee for Citibank Clear is $65 and $19 for an additional Citibank Clear card
Want to pay less interest? Then a Low Rate Credit Card could be right for you. With an ongoing low rate of just 13.24% p.a. for both purchases and 18.99% p.a. on cash advances you'll pay less interest on any outstanding balances you have each month, leaving you free to shop, pay bills and manage your general living expenses cost-effectively.
Low interest rate of just 13.24% p.a. on purchases and 18.99% p.a. on cash advances
$48 annual fee
Up to 55 days' interest free on all purchases
Even lower balance transfer rate of 5.99% p.a. for 5 months
Free additional card for a family member or friend
With one of the most flexible reward programs in Australia, you choose the way you’re rewarded including:
Earn Reward Points on everyday purchases
Cash credited to your ANZ Rewards Visa
Department store or retail shopping vouchers
A huge range of other rewards, including iPods, movie tickets, digital cameras, kitchen appliances – and much, much more!
Every purchase you make can help build your Reward Points balance faster, including paying bills and everyday purchases.
Accelerate your Reward Points by shopping at Bonus Partners or taking advantage of special Bonus Point Reward offers.
ANZ Rewards gives you:
2.9% p.a.* balance transfer interest rate on those balances transferred for the first 12 months from the date your card is approved.
0% p.a.* balance transfer interest rate on those balances transferred for the first 6 months from the date your card is approved & 0% p.a. on purchases for the first 6 months.
Up to 44 days interest free credit on your purchases
Visa acceptance at over 24 million locations worldwide
Total Annual Fee of only $48*
ANZ Falcon™ - 24/7 credit card protection
Visa Entertainment - Access to special offers exclusive to Visa card holders
You don’t even have to be an ANZ customer to apply.
Get a response in 60 seconds. Once approved you will usually receive your card within five business days.
* Annual Account Fee of $48 includes a $22 Rewards Program Service Fee.
Don’t miss your chance to save 10% off petrol^ with the BP-Citibank MasterCard.
With the BP-Citibank MasterCard the money you save is simply credited to your account. Apply for a BP-Citibank MasterCard before June 30, 2008:
Save at BP - 10% off your petrol and everything else you buy at BP for three months^. After the 3 months you'll continue to save 5% off everything at BP^
Save everywhere else - 1% off everything else you buy anywhere†
Save on your credit card - 2.9% p.a. for 12 months on balances transferred*
Generous credit limit up to $25,000 - BP-Citibank MasterCard gives you a higher credit limit so you have the purchasing power and financial flexibility you need
Up to 55 Days Interest-Free - Enjoy up to 55 days interest-free on retail purchases
The annual fee for BP - Citibank MasterCard is $79 and $30 for an additional BP - Citibank MasterCard
A Platinum Credit Card backed by a range of unique privileges. For those who value style with substance.
Automatic enrolment in the Membership Rewards Ascent program
Earn 1.5 Membership Rewards points for every dollar spent up to $100K (reverting to 1 point per dollar thereafter - reset annually)
1 point = 1 Qantas Frequent Flyer Point
Supplementary Cards at no additional cost
Interest rate of 19.14% p.a.
Platinum Priority Service 24/7
Transfer your other Credit Card balances to a competitive rate of 6.99% p.a. for the life of the transferred balance - subject to our interest rate policy
Enjoy exceptional Card benefits for an annual Card fee of $395 p.a.
Credit limit of up to $100,000
Qantas domestic Economy return flight to selected Australian Capital cities every year
Purchase Protection and Refund Protection
Domestic and Overseas Travel Insurance
Exclusive VIP treament with Entertainment Advantage
Due to its impressive range of benefits and features, the American Express Platinum Credit Card was named fully featured credit card of the year at The Australian Financial Review Smart Investor Blue Ribbon Awards 2007.
An ANZ First credit card has a low annual account fee of only $30 or $26 if linked to an ANZ Access account. You will also enjoy:
Transfer existing non-ANZ credit and store card balances to a new ANZ First card and you can enjoy a low 7.99% p.a* balance transfer interest rate on those balances transferred for the first 6 months from the date your card is approved.
Low annual account fee of $30 discounted to $26 if linked to an ANZ Access Account
Up to 44 days interest free credit on purchases
24/7 ANZ Falcon™ security protection
Up to 3 additional cardholders at no extra cost
Credit limits of up to $15,000
Visa card acceptance at over 24 million locations worldwide
Secure online shopping
Extended Warranty Insurance and 90-day Purchase Security Insurance
Design your card - You can now design your ANZ First card with an image of your choice
90 day purchase security for loss, theft, damage or breakage.
You don’t even have to be an ANZ customer to apply.
Get a response in 60 seconds. Once approved you will usually receive your card within five business days.
Commonwealth Awards program - rewards program offering everything from cash back to DJs vouchers to blenders to magazine subscriptions to travel with over 400 different airlines around the world
Online security guarantee
Additional cardholder for $15
Hit the shops, fill up the fridge, pay the bills - however you use your card, you'll earn one reward point for every dollar you spend. Use your card instead of cash and be rewarded.
19.64% p.a. on purchases AND 20.74% on cash advances
Up to 55 days interest free
$24 annual fee
Balance transfer rate 5.99% p.a. for 5 months
Global access - over 24 million locations
Issued with chip for extra security
Online security guarantee
Free additional cardholder
With up to 55 days interest free on all purchases, the Low Fee card lets you shop now without paying extra in interest. Combine that with a low annual fee of just $24 and you'll really start saving.
Special offer for CBA customers - No Annual Fee if you spend $1000 or more per year.
If you're spending too much on credit card fees and interest, ReadyCredit is a great alternative. It's an unsecured line of credit you can use every day.
ReadyCredit allows you to:
SAVE with a low introductory rate - 2.9% p.a. for 6 months† on ANY purchases, balances you transfer and cash advances.
SAVE with NO setup and ongoing transaction fees - Save with NO annual, transaction, ATM/EFTPOS or cash advance fees#.
Have the freedom to buy what you want - With $5,000 to $25,000^ to use on whatever you want, ReadyCredit gives you the flexibility to repay and re-borrow funds.
Choose how you use your credit - Convenient access to your cash via ATM/EFTPOS, phone, internet and a chequebook.
Apply today and save - Have money at any time - without the hassle of applying for loans over and over again! Citibank ReadyCredit gives you that security and convenience
Open your ANZ Everyday Visa Debit and start enjoying all these features...
Worldwide acceptance of Visa while accessing your own savings. You can make purchases online, over the phone and at more than 24 million outlets around the world.
No credit application necessary.
Your choice of card design. Your ANZ Everyday Visa Debit comes in three unique designs you can choose from.
Unlimited ANZ transactions for $6 a month. This includes ANZ ATMs, EFTPOS, ANZ Phone and Internet Banking and ANZ branches
Full-time students(over the age of 18) can also apply and receive a discounted monthly account fee of $3
ANZ's Online Guarantee for greater protection on Internet purchases plus ANZ Falcon™ monitoring for suspicious transasctions.
Step up to the gold credit card that offers you more for an annual account fee of just $87?
ANZ Gold offers a host of benefits including:
More security features than you'll ever need for just $87 a year with up to 9 additional cardholders at no extra cost.
Transfer existing non-ANZ credit and store card balances to a new ANZ First card and you can enjoy a low 7.99%p.a.* balance transfer interest rate on those balances transferred for the first six months from the date your card is approved.
Comprehensive Overseas Travel and Medical Insurance including coverage for overseas medical expenses, cancellations and loss or damage of luggage
Up to 55 days interest free on purchases
Credit limits up to $25,000
Online Guarantee so you won't be liable for unauthorised or fraudulent Internet purchases
ANZ Car Rental Cover
Extended Warranty Insurance for up to 12 months, in addition to the Australian manufacturer's warranty*
90-day Purchase Security Insurance cover for loss, theft or accidental damage for most new personal items purchased*
ANZ Gold Liberty - International round-the-clock service, including emergency legal and medical referral.
Commission free travellers' cheques from any ANZ branch in Australia
No ANZ overseas cash withdrawal fees
ANZ Falcon™ – 24/7 credit card protection
90-day Purchase Security
You don’t even have to be an ANZ customer to apply.
Get a response in 60 seconds. Once approved you will usually receive your card within five business days.
Keep you finances afloat with a lighter interest rate of 2.9% p.a. for 12 months on balance transfer*
Simply transfer the outstanding amount from your non-Citibank credit and store cards, to your new Citibank Gold Card, and enjoy a low 2.9% p.a for 12 months on balance transfers*.
Premium lifestyle card with extensive benefits and rewards
2.9%p.a for 12 months on balance transfers*
Credit Limit of up to $35,000 giving you the purchasing power and flexibility you require
Free International Travel Insurance# - Automatically covers you and your family when you buy your travel tickets with your Citibank Gold Card. Your cover includes medical and unexpected travel expenses, trip cancellation, personal liability and loss of damage to personal items.
Automatic FREE access to a superior Rewards Program+ - You'll earn Reward points every time you use your Citibank Credit Card, which you can choose to redeem for a great range of items and vouchers, including Qantas Frequent Flyer points. Earn 1 reward point for every $1 spent – Giving you more points sooner
Up to 55 days interest FREE on retail purchases
Fly any airline, anytime with Citibank Take Flight®
Access to Citibank World Privileges - It's your passport to exclusive upgrades, benefits and discounts at thousands of hotels, restaurants, shops, shows and services worldwide. With everything from glorious weekends away to sumptuous dinners in Australia's fines restaurants, you'll find something to temp you.
Purchase Cover# - Use your Citibank Gold Card for personal items and have them repaired or replaced when lost, damaged or stolen up to 90 days after purchase.
FRAUD SHIELD® - Our fraud department checks any unusual activity to detect early signs of fraud and will contact you to check when they spot irregular purchases.
For just $49 a year, you’ll enjoy a low annual card-fee for a Gold Credit Card with an award winning rewards program - Choices.
You can earn unlimited points and they never expire – so the sky’s the limit. That means you’re on your way to redeeming for the things you really want, like travel and accommodation, iPods, tickets and so much more.
Balance transfer rate of 6.99% p.a. for the first 6 months (your monthly payments will first repay the balance you have transferred before reducing other amounts, such as new purchases), subject to the American Express Interest Rate Policy
American Express Selects™ is an exciting selection of year round offers and discounts. Wherever you find yourself in the world, you’ll enjoy exceptional value and privileges in travel, leisure, dining and shopping.
If you lose your card – no problem. We can get a replacement card to you virtually anywhere in the world, via our global network of offices.
If you like to shop online, you can relax. The Online Fraud Protection Guarantee means you won’t be held responsible for any unauthorised charges online.
And with Global Customer Service, help is close at hand whatever the time of day, wherever you are.
You can also find out your account status instantly, with complimentary SMS or email alerts. Check your balance or payment-due date, or receive confirmation of payment – with alerts delivered to your mobile or email instantly.
Free international travel insurance (up to 3 months)
Free transit accident insurance
Commission-free travellers cheques
Your Global Connection (premium integrated travel services)
World-wide access (over 24 million locations)
Shopping benefits:
Free Secure internet shopping (when shopping online – provided by MC and Visa)
Free Purchase security insurance (replaces most personal goods which are lost, damaged or stolen for up to 90 days from date of purchase)
Free Extended warranty insurance (extension on normal manufacturer’s warranty for up to 1 year on most goods purchased in Australia or overseas)
Online security guarantee
Gold opens a world of exclusive opportunities. Take advantage of exceptional Gold rewards every time you shop or pay a bill, and get a range of exceptional travel benefits as well.
Whatever you’re planning, you know it doesn’t happen overnight. It takes time. But that doesn’t mean a personal loan has to. Apply for a Citibank Personal Loan and get a response in 1 minute.
EASY to apply with a response in 1 minute - Apply online and you won’t need to wait days for an answer, fill out loads of forms or even have to visit a branch.
SAVE with low rates from 11.99% p.a.* (comp. rate 12.40% p.a.ø) - Our rates are amongst the most competitive in the market. You'll also avoid future interest rate rises because your rate is fixed for the life of your loan.
SAVE even more with 0.50% p.a. off your rate with Loanguard - Take out Loanguard payment protection insurance and we'll discount your interest rate.
FREEDOM to re-draw on your loan - A redraw facility ‡ allows you to access repayments you've made any time, for any purpose
APPLY TODAY and you could have your money within 48 hours - Your loan will be paid directly into your nominated account within 48 hours of being approved, whoever you bank with.
Transfer existing non-ANZ credit and store card balances to a new ANZ First card and you can enjoy a low 2.9%p.a.* balance transfer interest rate on those balances transferred for the first 12 months from the date your card is approved.
Earn Qantas Frequent Flyer points*
Earn unlimited Bonus Points* at over 2,000 ANZ Bonus Partner outlets.
You can receive up to 2 Bonus Points* for every dollar spent at ANZ Bonus Partners.
Points are automatically credited to your Qantas Frequent Flyer account*.
Visa acceptance at over 24 million locations worldwide.
Up to 44 Days Interest Free on purchases.
24/7 ANZ FalconTM security protection.
Annual fee consists of $40 Annual Account Fee (plus $10 for each additional card) and a $55 Rewards Program Services Fee per card issued under your account.
You don’t even have to be an ANZ customer to apply.
Get a response in 60 seconds. Once approved you will usually receive your card within five business days.
*Points and Bonus Points accrue in accordance with the ANZ Frequent Flyer Reward Terms and Conditions (call ANZ on 13 22 73 for a copy). Limits apply to the number of points you can earn in a monthly statement cycle. An Account Holder must be a member of the Qantas Frequent Flyer program to earn points. A joining fee applies. Membership and points are subject to the Terms and Conditions of the Qantas Frequent Flyer program.
Fly 365 days a year with the Card that breaks all the rules for flight rewards. Simply book your flight at least 30 days in advance to secure your seats.
Earn One Blue Sky point for every dollar spent, with no expiry of your points as long as your account remains current³.
Get 50% OFF Blue Sky Flights until 2010 - book before January 2009
Complimentary domestic and international travel insurance for you and your family.
The Ultimate Credit Card is designed for the serious frequent flyer who deserves nothing but the best. So now your points balance will go places fast, so that you can too.
You’ll be rewarded with these great Card features:
Enjoy a special introductory offer of 5,000 points the first time you use your credit card, PLUS an extra 2,500 points when you spend on your Card in Australia on selected Qantas Services.
Earn 1.5 points for every dollar spent every day using your Credit Card
Earn 1 additional point for every dollar spent on your Card in Australia on selected Qantas services
No limit to the number of points you can earn
Automatic monthly transfer of your points to your Qantas Frequent Flyer account
Enjoy a Qantas domestic Economy return flight between selected Australian capital cities every year when you spend on your Card in Australia on selected Qantas services
Travel Insurance for travel within Australia and overseas
A standard interest rate of 19.89% p.a.
Card fee of $395 per annum and Supplementary Cards at no additional cost
Prepare your points for take-off with the Credit Card that offers the best of both worlds: a superior points earning rate and Premium rewards and privileges.
You’ll be rewarded with these great Card features:
Enjoy a special introductory offer of 5,000 points the first time you use your credit card, PLUS an extra 2,500 points when you spend on your Card in Australia on selected Qantas Services.
Earn 1.25 Qantas Frequent Flyer points for every dollar spent every day using your Credit Card
Earn 1 additional point for every dollar spent on your Card in Australia on selected Qantas services
No limit to the number of points you can earn
Automatic monthly transfer of your points to your Qantas Frequent Flyer account
2 Qantas Club Invitations every year when you spend on your Card in Australia on selected Qantas services
Travel Insurance within Australia or abroad when you pay for your travel with your Card
With an array of exclusive benefits and features, the Citibank Platinum Card has been designed to complement you lifestyle. As well as a low 2.9% p.a for 12 months on balance transfer you can also take advantage of the many upgrades and privileges at restaurants, hotel and shop worldwide.
Enjoy Life More with a Citibank Platinum Card
2.9%p.a for 12 months on balance transfers*
Generous credit limit up to $100,000 giving you the purchasing power and flexibility you need
Personal Concierge Service 24/7 (Exclusive to Platinum cardholders) - The privilege and convenience of a Personal Concierge to provide you with information and assistance for both business and pleasure from anywhere in the world, 24 hours a day, 7 days a week.
Personalised Rewards Program - Free Personalised Rewards Points Program with reward points that never expire and can be redeemed for anything from Qantas Frequent Flyer points to school fees to your car registration.
Peace of mind - When you buy eligible products with your Citibank Platinum Credit Card you’ll receive and extended warranty for a period of up to 12 months#
Up to 55 days interest FREE on retail purchases
Fly any airline, anytime with Citibank Take Flight®
Access to Citibank World Privileges your passport to exclusive upgrades, benefits and discounts worldwide.
The annual fee for Citibank Platinum card is $250.
Personal concierge service – just one phone call away
Issued with chip for extra security
Commonwealth Awards program + extra Platinum offers and bonus points
Additional cardholder for $15
Travel benefits:
Complimentary international travel insurance (up to 12 months)
Interstate flight inconvenience insurance
Transit accident insurance
Commission-free travellers cheques
Companion airfare deal
World-wide access (over 24 million locations)
Shopping benefits:
Secure internet shopping (when shopping online – provided by MC and Visa)
Free Purchase security insurance (replaces most personal goods which are lost, damaged or stolen for up to 90 days from date of purchase)
Free Extended warranty insurance (extension on normal manufacturer’s warranty for up to 1 year on most goods purchased in Australia or overseas)
Online security guarantee
Compliment your lifestyle with a wide selection of outstanding rewards, travel services and benefits available exclusively to Commonwealth Bank Platinum cardholders.
Transfer existing non-ANZ credit and store card balances to a new ANZ First card and you can enjoy a low 2.9%p.a.* balance transfer interest rate on those balances transferred for the first 12 months from the date your card is approved.
Earn Qantas Frequent Flyer points*
Earn unlimited Bonus Points* at over 2,000 ANZ Bonus Partner outlets.
You can receive up to 2 Bonus Points* for every dollar spent at ANZ Bonus Partners.
Points are automatically credited to your Qantas Frequent Flyer account*.
Visa acceptance at over 24 million locations worldwide.
Up to 55 Days Interest Free on purchases.
Commission Free travellers cheques
24/7 ANZ FalconTM security protection.
Annual fee consists of $95 Annual Account Fee (plus $10 for each additional card) and a $55 Rewards Program Services Fee per card issued under your account.
You don’t even have to be an ANZ customer to apply.
Get a response in 60 seconds. Once approved you will usually receive your card within five business days.
*Points and Bonus Points accrue in accordance with the ANZ Frequent Flyer Reward Terms and Conditions (call ANZ on 13 22 73 for a copy). Limits apply to the number of points you can earn in a monthly statement cycle. An Account Holder must be a member of the Qantas Frequent Flyer program to earn points. A joining fee applies. Membership and points are subject to the Terms and Conditions of the Qantas Frequent Flyer program.
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