You'll also save with a low 13.1% p.a. on purchases^.

Get more with a Low Rate MasterCard

• Low Annual Fee - enjoy a low annual fee of just $45 for Silver and $85 for Gold.
• Great interest free period - up to 55 days interest free on retail purchases.
• Up to four additional cards, free! - share the benefits with up to four additional credit cards at no extra cost.
• Higher Credit Limits - our Gold Card offers high credit limits from $5,000 to $25,000.
• Complimentary insurances# - means peace of mind when you travel. Simply pay for your flights with your Gold Low Rate MasterCard.
• Interstate Flight Inconvenience insurance# - on your Gold Low Rate MasterCard, fly interstate and you and your family can be covered for flight and luggage delays, loss or damage to your personal items, and cancelled flights.
• International Travel insurance# - on your Gold Low Rate MasterCard, travel overseas and you and your family can be covered for unexpected cancellations and delays, medical and hospital expenses, loss or damage to personal items, rental vehicle excess and much more.
• Purchase cover# - on any new items that are lost, stolen or damaged within three months of purchase using your Silver or Gold Low Rate MasterCard.

If you would like more information about our MasterCard, please call 13 25 85 or visit your local Personal Financial Centre.

Low Rate MasterCard Information:

• Low Rate MasterCard Fees and Charges           
• Low Rate MasterCard Application Form
• MasterCard Balance Transfer Form
• Change of Account Details Letter Template - use this letter template to advise debiting institutions of your new card account number for regular payments. Simply fill in the details highlighted in red.

Final approval of your MasterCard application will be subject to satisfying Card Services Credit Criteria.

^The promotional rate of 2.9% 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 transactions made other than with this offer are at the standard Low Rate credit card rate, currently 13.10% p.a. for retail purchases and 17.10%p.a. for cash advances which is variable, subject to change and Card Services credit criteria. Interest rate last updated 29/03/2010. Offer is not available to existing MasterCard Cardholders of this Credit Union or holders of Credit Cards issued by Citigroup. Balance transfers cannot be used to pay off any other product with this Credit Union. Subject to your acceptance you will be billed at a later date an annual account fee of $45 for the Silver Card and $85 for the Gold Card (additional cards are free). 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.

# International Travel Insurance, Purchase Cover and Interstate Flight Inconvenience Insurance are provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 233507 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.

© 2010. Card Services is a division of Citigroup Pty Limited ABN 88 004 325 080 AFSL 238 098 which provides and administers credit.

1. Each Balance Transfer (BT) must be for at least $500. BTs from your Account to any other Citigroup account are excluded as are foreign currency BTs and BTs to offshore accounts.
2. We will transfer the BTs specified by you, in the order you have nominated, in full or part, as determined by us and your available Credit Limit. We reserve the right to refuse any request for a BT, for the full or part amount.
3. BTs are repaid first before other transactions (subject to any Special Promotion).
4. Interest rates on other transactions are at the prevailing applicable rate. At the expiry of the BT promotional period, the interest rate applicable to any remaining outstanding balances with this Balance Transfer will revert to the standard interest rate for Cash Advance, which is variable and subject to change.
5. Only one BT request form will be processed with this application.
6. BTs will not be processed until you have activated your Account. We will not be responsible for any overdue balance on any of your nominated accounts due to delays in processing the BT. Any such balance on your nominated accounts after the BT is processed will be your responsibility.
7. BTs will only be processed in the name of the Primary Account holder.