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 6 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 20.24% p.a. The Gold Card current standard variable rate is 19.49% p.a. on retail purchases. Interest rates are variable subject to change and Card Services Credit Criteria. Interest rates last updated 13/12/2010.
^ 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.