The low rate Aussie MasterCard®, it’s a no-nonsense credit card with one of the lowest interest rates on purchases around. And, because everyone’s needs are different when it comes to credit cards, you can choose the special offer that suits you best for an even better deal to get you started.
A low interest rate of 2.99% p.a. on balance transfers for first 6 months1. Limited offer
2.99%p.a. on purchases for the first 6 months1
Reverts to a low ongoing rate, currently 12.99%p.a. on purchases2
Up to 55 days interest free credit on purchases
Low annual account fee of $49
24/7 online account access or over the phone
Fraud protection – and the confidence of knowing we’ll call you if we spot any suspicious use of your card
A 60-second response to your application
Shop safely online at participating merchants with MasterCard Securecode™
And you don’t have to be an Aussie customer to apply
For new applicants who apply before 30 September 2010 only
(1)From date of card approval. Promotional rate reverts to the standard variable interest rate applicable to purchases on your card six months after date of card approval and any balances that remain unpaid at the end of this period become subject to the standard variable interest rate applicable to purchases. Excludes cash equivalent transactions. Only valid for balance transfers from non-Aussie credit and store cards. Balance transfer rate applies only to balances 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. Interest accrues on balance transfers from the date the transfer is processed by us.
(2)The standard variable interest rate for purchases is 12.99 % p.a. and 19.79 % p.a. on cash advances. Interest rates current at 10 June 2010 and subject to change.
Save with low interest rate on purchases and enjoy 0% p.a. on balance transfers for the first 6 months*.
Key Features:
Low interest rate of 13.24% p.a. on purchases
Up to 3 additional cards at no extra cost
Up to 55 days interest free credit on purchases
Online Shopping guarantee
MasterCard applause™ - be entertained with exclusive tickets to theatre, dance, musicals and sporting events
MasterCard Travel Exclusives - special offers and great deals, simply for being a MasterCard cardholder
ANZ Falcon™ – provides advanced around the clock monitoring for suspicious transactions. So you can feel secure about purchases online, overseas or over the phone
‘Apply Now’ for ANZ Low Rate MasterCard and receive a response in 60 seconds. You don’t need to be an ANZ customer to apply for an ANZ Low Rate MasterCard. Terms & conditions available on application. Fees & charges apply.
Apply now and get 2.9% p.a. for 9 months on Balance Transfers*
Transfer your balances from other credit cards to your CUA Gold MasterCard with Card Services Rewards and save with a special low interest rate of 2.9% p.a. for 9 months on balance transfers.
Earn 1 Reward Point for every $1 spent on your card†
Giving you more points every time you spend on your card, and with no points expiry, you have all the time you need to make your choice.
Superior Rewards Program at no additional cost†
Redeem reward points for shopping vouchers, merchandise, hotel stays, petrol vouchers and much more.
Generous Credit Limits^
Up to $25,000 on the Gold MasterCard.
Low Annual Fee
A low annual fee of just $85 for the CUA Gold MasterCard with Card Services Rewards, with up to 4 free additional cards.
Complimentary International Travel Insurance on Gold#
For you and your family when you buy overseas travel on your CUA Gold MasterCard with Card Services Rewards.
Complimentary Purchase Cover#
Complimentary insurance on any new items that are lost, stolen or damaged within three months of purchase using your CUA MasterCard with Cards Services Rewards.
Terms and Conditions
Terms and Conditions apply. Fees and charges apply and are available upon request. Final approval of your MasterCard application will be subject to satisfying Card Services credit criteria.
* The promotional annual percentage rate of 2.9% p.a. applies only to balances transferred with this offer for a period of 9 months. Balance transfers cannot be used to pay off any other product with this Credit Union.
Balance transfers are repaid before purchases and cash advances (subject to any special promotion). At the end of the balance transfer offer period your interest rate will revert to the Cash Advance Gold card interest
rate currently 19.99% p.a. The Gold Card current standard variable rate is 19.24% p.a. on retail purchases. Interest rates are variable subject to change and Card Services Credit Criteria. Interest rates last updated 01/06/2010.
The prevailing applicable interest rate will apply upon the expiry of the promotional period. Offer is not available to existing MasterCard cardholders of this Credit Union or holders of Credit Cards issued by Citigroup.
Card Services may check employment details/income with your employer or accountant named on your application. Upon approval of your Credit Card we will notify you of how to meet the identification procedure as required by law.
^ Actual credit limit will be assigned based on Card Services credit criteria.
† All Rewards are subject to the Terms and Conditions of the Card Services Rewards Program. Reward points are not earned on Cash Advances, Special Promotions or Balance Transfers.
# International Travel Insurance and Purchase Cover are underwritten by Zurich Australian Insurance (ABN 13 000 296 640 AFSL No. 232507) and are subject to the Terms and Conditions and exclusions contained in the Policy of Insurance.
Gold MasterCard with Card Services Rewards available online, Gold MasterCard with Card Services Qantas Rewards can be requested on card activation or after approval of new card by contacting Card Services on 1300 135 538.
The Citi Gold Card is everything you need when you need it. Simply transfer the outstanding amount from your non-Citi credit and store cards, to your new Citi Gold Card, and enjoy a low 1.9% p.a. on balance transfers for 12 months. Offer available until 31st July 2010
The Citi Gold card is the smarter choice to help you save in interest without compromising your lifestyle.
Premium lifestyle card with extensive benefits and rewards
1.9%p.a for 12 months on balance transfers
Complimentary access to a superior Rewards Program
For every dollar you spend, you enjoy one reward point which can be redeemed for a large range of travel rewards, merchandise, gift cards or cashback on your card. Plus your reward points never expire while the card remains open.
Bonus Rewards Points
All your favourite rewards will be yours sooner when you spend at one of our Bonus Partners, as a Citi Gold cardholder you can earn 3 Bonus Points on top of the 1 Citi Rewards point you already receive - that's 4 points per dollar spent.
Complimentary International Travel Insurance
Automatically covers you and your family when you buy your travel tickets with your Citi Gold card. Your cover includes medical and unexpected travel expenses, trip cancellation, personal liability and loss of damage to personal items.
Special Offers and Privileges
When you're with Citi, everyday experiences just seem to come with something extra. Discounts when you shop online, dine, hit the movies or a theme park, book hotel accommodation and much more. Plus there are the best seats in the house, up to 25% off wine and special benefits that make you feel privileged when you travel the world.
Purchase Cover
Use your Citi Gold card for personal items and have them repaired or replaced when lost, damaged or stolen up to 90 days after purchase.
Up to 55 Days Interest-free on retail purchases
Optional Credit Card Insurance
With credit card repayment insurance, CreditShield® will make your payments when you can't. CreditShield will pay the minimum amount due on your Citibank credit card if you are unable to work due to an accident or unemployment.
To be eligible you must earn a taxable income of $35,000 per year or more
The BP-Citibank MasterCard is the card that pay you back.
The money you save is simply credited to your account.
Save 5% off Petrol at BP
5% off Petrol and anything you buy at BP^
Save everywhere else
0.5% off all other purchases you buy anywhere else†
Save more
1.9%%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 that you have the purchasing power & financial flexibility you need
Save up to $660~ a year
Get 5% on everything at BP which could save you up to $360 and 0.5% on all other purchases which could save you up to $300
Terms and conditions
Terms and conditions apply. Fees and charges apply. Subject to your acceptance you will be billed an annual account fee which is currently $79 for the Primary BP-Citibank MasterCard, and $30 for an Additional BP-Citibank MasterCard.
^ 5% cash back rebates with BP is limited per account to the first $600 you spend at participating outlets each Statement Period.
* The 1.9% p.a. interest rate applies only to balances transferred with this offer and applies for 12 months from account opening. Transferred balances will be repaid first. Any transactions made other than with this offer are at the standard Credit Card rate, currently 20.89% p.a., which is variable, subject to change and Citibank’s credit criteria. Interest rate last updated 29/03/2010.
~ Savings are indicative and based on maximum yearly cash back rebate earned of 5% at BP of $360 and 0.5% on all other retail purchases and bill payments of $300. Savings do not take into consideration account fees and charges.
† All other Retail Purchases and bill payments (excluding purchases at any fuel outlet including BP) made using your Card will give you 0.5% cash back rebate on the first $5,000 spent on your Account during any monthly Statement Period from the date you are enrolled in the Rewards program. All cash back rebates will be automatically credited to your Account at the start of the next Statement Period.
The cash back rebate amount earned in your monthly Statement Period (Eg. Nov 15-Dec 14) will be reflected in a cash back summary on that month’s statement (Eg Dec statement). This cash back rebate will then be credited on the first day of the next Statement Period. (Eg. Dec 15). Accumulated benefits are forfeited if the account is suspended or closed.
# Actual credit limit will be assigned based on Citibank credit criteria subject to confirmation that you earn a minimum of $20,000 p.a. and subject to your credit rating. Credit limit is up to $25,000 at point of initiation.
Apply now and get 2.9% p.a. for 9 months on Balance Transfers*
Transfer your balances from other credit cards to your IMB MasterCard with Card Services Rewards and save with a special low interest rate of 2.9% p.a. for 9 months on balance transfers.
Earn 1 Reward Point for every $1 spent on your card†
Giving you more points every time you spend on your card, and with no points expiry, you have all the time you need to make your choice.
Superior Rewards Program at no additional cost†
Redeem reward points for shopping vouchers, merchandise, hotel stays, petrol vouchers and much more.
Generous Credit Limits^
Up to $25,000 on the Gold MasterCard.
Low Annual Fee
A low annual fee of just $99 for the IMB Gold MasterCard with Card Services Rewards, with up to 4 additional cards.
Complimentary International Travel Insurance on Gold#
For you and your family when you buy overseas travel on your IMB Gold MasterCard with Card Services Rewards.
Complimentary Purchase Cover#
Complimentary insurance on any new items that are lost, stolen or damaged within three months of purchase using your IMB MasterCard with Cards Services Rewards.
Terms and Conditions
Terms and Conditions apply. Fees and charges apply and are available upon request. Final approval of your MasterCard application will be subject to satisfying Card Services credit criteria.
* The promotional annual percentage rate of 2.9% p.a. applies only to balances transferred with this offer for a period of 9 months. Balance transfers cannot be used to pay off any other product
with this Building Society. Balance transfers are repaid before purchases and cash advances (subject to any special promotion). At the end of the balance transfer offer period your interest rate
will revert to the Cash Advance Gold card interest rate currently 19.99% p.a. The Gold Card current standard variable rate is 19.24% p.a. on retail purchases. Interest rates are variable subject
to change and Card Services Credit Criteria. Interest rates last updated 01/06/2010. The prevailing applicable interest rate will apply upon the expiry of the promotional period. Offer is not
available to existing MasterCard cardholders of this Building Society or holders of Credit Cards issued by Citigroup. Card Services may check employment details/income with your employer or
accountant named on your application. Upon approval of your Credit Card we will notify you of how to meet the identification procedure as required by law.
^ Actual credit limit will be assigned based on Card Services credit criteria.
† All Rewards are subject to the Terms and Conditions of the Card Services Rewards Program. Reward points are not earned on Cash Advances, Special Promotions or Balance Transfers.
# International Travel Insurance and Purchase Cover are underwritten by Zurich Australian Insurance (ABN 13 000 296 640 AFSL No. 232507) and are subject to the Terms and Conditions and exclusions contained in the Policy of Insurance.
Gold MasterCard with Card Services Rewards available online, Gold MasterCard with Card Services Qantas Rewards can be requested on card activation or after approval of new card by contacting Card Services on 1300 135 538.
Bring the world closer, sooner with the Emirates Citi Platinum Card. Enjoy free access to the Emirates Lounges in Australia and the Marhaba Lounge in Dubai, the convenience of Emirates' chauffeur-drive service when you travel to and from airports in Australia, generous Skywards Miles for every $1 spent and complimentary Travel Insurance.
Introducing the Emirates Citi Platinum Card
Limited offer for new applicants- Earn 3 Skywards Miles for every AU$1 spent up to 20,000 Miles1(then revert to the normal earn rate of 1.5 Miles for every $1 spent)
Skywards is the award-winning frequent-flyer program from Emirates. For new applicants, 3 Skywards Miles are earned for every $1 of purchases on the card up to to the value 20,000 Miles. These Miles are automatically transferred to Skywards
at the end of each statement cycle and credited into primary cardholder's Skywards account within 15 days. Once transferred, Skywards Miles can be used to redeem flights(domestic or international on Emirates or its partners),
hotel stays and for merchandise through emirateshigstreet.com
Complimentary lounge access in Australia and Dubai2
Each year as an Emirates Citi Platinum cardholder, you'll receive complimentary access to one of Emirates' world-class lounges in Australia for you and a guest. Simply book your Emirates flight on your Emirates Citi Platinum Card
and present your Emirates boarding pass and Emirates Citi Platinum Card to gain access. Whether you're travelling to or transiting through Dubai, Emirates Citi Platinum cardholders are invited to enjoy complimentary access to
the Marhaba Lounge. Simple present your credit card to gain access. This privilege is extended to secondary cardholders as well. Each cardholder can bring in two children under the age of 12,. Additonal passes can be purchased at the door.
Complimentary Chauffeur-drive service to and from Australian airports3
While you're booking your flight, why not arrange for ariport trasnfer to and from your doorstep? Complimentary chauffeur-driven cars are available to all Emirates Citi Platinum cardholders whoo book a Business or First Class Emirates flight on
their Emirates Citi Platinum card.
For Economy Class passengers, the chauffeur-drive is offered once a year when travelling on a non Trans-Tasman Emirates flight purchased on your card. This is available to and from your chosen destination and the international airport from which
your Emirates flight departs in Australia. Each car can take up to four passengers travelling together.
1.9% p.a. for 12 months on the balance transfers4
Enjoy a special low interest rate on balance transfers. You could save hundredes of dollars in interest when you transfer balances from other non-Citibank credit or store cards and personal loans.
Ability to earn and redeem Skywards Miles on Virgin Blue flights5
Virgin Blue, flies domestically to multiple destinations in Australia.
Free international travel and purchase cover insurance6
Complimentary International Travel Insurance coverage is provided to Emirates Citi Platinum Cardholders and their family if they meet the elegibility criteria contained in the Insurance Terms & Conditions. Purchase Cover will cover the cost
for repair/replacement/rebuild/reinstatement of personal items that are lost, damaged or stolen up to 90 days after purchase with your Emirates Citi Platinum Card.
International award-winning airline that flies to over 100 destinations on six continents
As one of the world's largest international airlines, Emirates offers in-flight innovation and industry-leading service. In its short history, it has won more than 400 international awards for excellence. Its latest up-to-date fleet is
fitted with private suites in First Class, lie-flat seats in Business Class and ergonomic seats in Economy Class, with 1,000 channels of on-demand entertainment in all classes.
24/7 Personal Concierge around the world7
The Personal Concierge service will help you do anything, anywhere in the world, from finding the last Louis Vuitton bag to co-ordinating an extensive trip through Europe. This service is complimentary to use, 24 hours a day, 7 days a week.
Safe and secure online application with SSL encryption technology.
All card applications are strictly confidential.