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You are here: Loans > Credit Cards > Low Rate MasterCard | Community CPS Credit Card
Low Rate Mastercard®
Keep it simple with our Community CPS Low Rate MasterCard® which is packed with great value and fantastic benefits!
Features
- Up to 55 days interest free on retail purchases1.
- A low interest rate.
- Credit limit up to $15,0002.
- Added protection with Fraudshield® to monitor your card for irregular transactions.
- Access to funds worldwide at over 31 million establishments or by using ATMs and EFTPOS.
Rates & Fees
Extras
- Complimentary purchase cover3 on new items that are lost, stolen or damaged within three months of purchase using your Low Rate Mastercard®.
- Enjoy a great introductory interest rate of 9.9% p.a. for the first 12 months on purchases4.
Useful Links
  
Important Imformation
Terms, conditions, fees and charges apply and are available upon request. Final approval of your MasterCard® application will be subject to satisfying Card Services Credit Criteria. By applying you are acknowledging receipt of the Credit Guide and Credit Proposal documents. 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. Actual Credit Limit will be assigned based on Card Services’ credit criteria. 3. Purchase Cover Insurance and International Travel Insurance 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 is subject to Terms and Conditions and exclusions available at www.cardservicesdirect.com.au. An excess applies to Purchase Cover Insurance. 4. The promotional rate of 9.9% p.a. applies only to purchases made within this offer for a period of 12 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 transactions made other than with this offer are at the standard Low Rate credit card rate, currently 13.90% p.a. for retail purchases and 19.99%p.a. for cash advances which is variable, subject to change and Card Services credit criteria. Interest rate last updated 04/10/2011. Offer is not available to existing Community CPS MasterCard Cardholders or holders of Credit Cards issued by Citigroup. Balance transfers cannot be used to pay off any other product with this Credit Union.
MasterCard® is the registered trademark of MasterCard® International Incorporated. ©2011 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.
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