Credit Cards

• Read our Card Protect Guide
• Read our Rewards Guide
• Low Rate MasterCard Rates and Fees Guide
• Rewards MasterCard Rates and Fees Guide
• Visit www.cardservicesdirect.com.au
• Lost or stolen cards

_{Current Card Services Credit Cardholders are not eligible to apply for this introductory offer.}  

_{1. The maximum 55 days interest free period applies when you pay your balance off in full for two consecutive months. If you carry a balance on your credit card from month to month the 55 days interest-free period does not apply and you are charged interest once you make a purchase. No interest free period is available on Cash Advances or Balance Transfers.}  

_{2. Purchase Cover Insurance is provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and is subject to Terms and Conditions and exclusions available at www.cardservicesdirect.com.au. An excess applies to Purchase Cover Insurance.}  

_{3. The 6.9% p.a. interest rate applies for the first five months on purchases, cash advances, and balance transfers. Transferred balances will be repaid first. Any outstanding transferred or cash advance balance at the end of the promotional period will revert to the cash advance rate of 19.99% p.a. Any retail purchase transactions made other than balance transfers and cash advances will revert at the end of the promotional period to the standard Credit Card retail purchase rate, currently 13.6% p.a. Offer ends 30 September 2011. Approved customers only. Five month promotional period commences on account approval. Interest rates are variable subject to change and Card Services credit criteria.}

_{4. Final approval of your MasterCard® application will be subject to satisfying Card Services Credit Criteria. To be eligible for the 10,000 bonus Card Services Reward points you will need to apply for the Rewards MasterCard® card by 30 September 2011 and first spend on your card by 31 December 2011. Promotion excludes Qantas Frequent Flyer points. This promotion applies to retail purchases and excludes ATM Cash Advances, Balance Transfers and Special Promotions. To be eligible for reward points, your account must be in good order.}

_{5. 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. Reward points never expire while the account remains open and provided your account is in good order. 6. The promotional rate of 3.9% p.a. applies only to balances transferred with this offer for a period of six months from account approval. Transferred balances will be repaid first. Outstanding balances at the end of the promotional period will revert to the cash advance interest rate. Any retail purchase transactions made other than with this offer are at the standard Rewards credit card rate, currently 19.74% p.a. for retail purchases and 20.49% p.a. for cash advances which is variable, subject to change and Card Services credit criteria. Interest rates last updated 7 April 2011.}

_{©2011 Card Services is a division of Citigroup Pty Limited ABN 88 004 325 080 AFSL/ACL 238 098 which provides and administers credit. *Interest rates subject to change. Interest rates current as of 1 June 2011.}