The convenience of MasterCard® PayPass9 Allowing you to make purchases under $100 in seconds by tapping your card against the PayPass9 terminal. Just tap & go. 50% off the annual fee for the first year2 Pay only $89 for the first year and receive up to four additional cards free. Earn 1.25 reward points for every $1 spent on your card8 With more points every time you spend on your card, and no points expiry, you'll have all the time to choose your favourite reward. Generous credit limits subject to credit criteria5 Up to $30,000 on the Platinum MasterCard. International Travel Insurance7 For you and your family when you buy overseas travel on your wide bay Platinum MasterCard with Card Services Rewards. Purchase Cover Insurance7 You will be covered for any items lost, stolen or damaged anywhere in the world within 90 days of purchase on your wide bay Platinum MasterCard. Conditions apply. Guaranteed Pricing Scheme7 Guaranteed Pricing Scheme enables you to receive a refund of the price difference when you purchase in store an eligible item which later goes on sale. Conditions apply. Interstate Flight Inconvenience Insurance7 Covers you for cancellations, flight and baggage deals, rental vehicle excess and more. Transit Accident Insurance7 May cover you for accidents sustained whilst on a trip, including when in transit. Platinum Concierge Service Available 24 hours a day, seven days a week from anywhere in the world. We're there to help you with anything from finding the best restaurant in town to organising a gift. The convenience of MasterCard® PayPass9 Allowing you to make purchases under $100 in seconds by tapping your card against the PayPass9 terminal. Just tap & go. Earn 1 reward point for every $1 spent on your card8 Earn points every time you spend on your card and with no points expiry, you'll have all the time to choose your favourite reward. Redeem reward points for shopping vouchers, merchandise, hotel stays, petrol vouchers and much more. Generous Credit Limits subject to credit criteria5 Up to $25,000 on the Rewards MasterCard. International Travel Insurance7 For you and your family when you buy overseas travel on your wide bay Rewards MasterCard with Card Services Rewards. Purchase Cover Insurance7 You will be covered for any items lost, stolen or damaged anywhere in the world within 90 days of purchase on your wide bay Rewards MasterCard. Conditions apply. Guaranteed Pricing Scheme7 Guaranteed Pricing Scheme enables you to receive a refund of the price difference when you purchase in store an eligible item which later goes on sale. Conditions apply7. Up to four additional cards The wide bay Rewards MasterCard has an annual fee of $90, with up to four additional cards for $15 each. 50% off the annual fee for the first year4 Pay only $37 for the first year and receive up to four additional cards free. The convenience of MasterCard® PayPass9 Allowing you to make purchases under $100 in seconds by tapping your card against the PayPass9 terminal. Just tap & go. Generous credit limits subject to credit criteria5 Up to $15,000 on the Low Rate MasterCard. Up to 55 days interest free6 Enjoy up to 55 days interest free on retail purchases. Purchase Cover Insurance7 You will be covered for any items lost, stolen or damaged anywhere in the world within 90 days of purchase on your wide bay Low Rate MasterCard. Conditions apply. Guaranteed Pricing Scheme7 Guaranteed Pricing Scheme enables you to receive a refund of the price difference when you purchase in store an eligible item which later goes on sale. Conditions apply7.

Fees and charges apply. Terms and conditions apply and are available upon request. Final approval of your MasterCard will be subject to satisfying Card Services' credit criteria. 1. Your total balance transfers may not exceed 80% of your credit limit. The 0%p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 9 months. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the Platinum Card Annual Percentage Rate for cash advances, currently 21.74% p.a. Interest rates are variable, subject to change and credit criteria. The interest rates are current as at 1 April 2013. This offer ends 30 June 2013. 2. For the Platinum MasterCard® with Card Services Rewards, you will be charged a discounted Annual Primary Cardholder Fee of $89 in the first year, which will revert back to the full Annual Primary Cardholder Fee in subsequent years, currently $179. Half price annual fee offer ends 30 June 2013. Current Cardholders are not eligible to apply for this offer. 3. Your total balance transfers may not exceed 80% of your credit limit. The 1.9%p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 6 months. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the Rewards Card Annual Percentage Rate for cash advances, currently 21.74% p.a. Interest rates are variable, subject to change and credit criteria. The interest rates are current as at 1 April 2013. This offer ends 30 June 2013. Current Cardholders are not eligible to apply for this offer. 4. For the for the Low Rate MasterCard® you will be charged a discounted Annual Primary Cardholder Fee of $37 in the first year, which will revert back to the full Annual Primary Cardholder Fee in subsequent years, currently $75.This information is current as at 1 April 2013. This offer ends 30 June 2013. Current Cardholders are not eligible to apply for this offer. 5. Actual credit limit will be assigned based on our Credit Criteria, your credit rating, and subject to confirmation that you earn a minimum of $25,000 p.a. for the Low Rate card, $35,000 p.a. for the Gold card and $35,000 for the Platinum card. Credit limit is up to $15,000 on low Rate, $25,000 on Rewards, and $30,000 on Platinum at point of initial approval. Over time, you may apply to increase your credit limit if you satisfy our credit criteria. 6. 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. 7. Complimentary Insurances are 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 are subject to Terms and Conditions and exclusions available at www.cardservicesdirect.com.au. An excess applies to Purchase Cover Insurance. 8. 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. 9. MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. PayPass & Tap & Go are trademarks of MasterCard International Incorporated. © 2013 Card Services is a division of Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098 which provides and administers credit.

cardservicesdirect.com.au Privacy Policy Website Terms and Conditions Copyright © 2013