Card Services Qantas Rewards*: If you wish to earn Qantas Frequent Flyer points, you can choose a Gold card with Card Services Qantas Rewards*. Opt-in to this program and you will have all your points automatically transferred to your Qantas Frequent Flyer account on your statement date each month. The annual fee for this option is $118.

Save on balance transfers
Transfer balances to your Rewards MasterCard and you'll save with a special low interest rate of 4.9%p.a. for the first 24 months of the balance transfer^.

The low down

• Low annual fee of just $45 for Silver and $85 for Gold.
• Up to 55 days interest free on retail purchases.
• Complimentary purchase cover# - complimentary insurance for any new items that are lost, stolen or damaged within three months of purchase using your Rewards MasterCard.
• Up to four free additional cards - share the benefits and maximise your Reward points.
• Reward points that never expire^† - you have all the time you need to make your choice.

Extra on Gold

• Complimentary international travel insurance# - save hundreds of dollars per trip.
• Higher credit limits on Gold card from $5,000 - $25,000.

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

MasterCard Information:

• MasterCard Rewards Catalogue 
• MasterCard Fees and Charges
• 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.

Existing MasterCard holders can log into the Card Services site.

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

^The promotional rate of 4.9% p.a. applies only to balances transferred with this offer for a period of 24 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 Rewards credit card rate, currently 19.24% 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 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, $85 for the Gold Card with Card Services Rewards and $118 for the Gold Card with Card Services Qantas Rewards (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.

† 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.

* Subject to the Terms and Conditions of the Card Services Qantas Rewards Program.

# International Travel Insurance and Purchase Cover 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.

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). 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.
4. Only one BT request form will be processed with this application.
5. 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.
6. BTs will only be processed in the name of the Primary Account holder.