• Earn up to one Qantas Frequent Flyer Point for every dollar up to $1,500 spent monthly (excluding cash equivalent transactions)
• Earn up to one Qantas Frequent Flyer point for every two dollars thereafter, up to and including a maximum monthly spend of $5,000
• Earn Unlimited Bonus Points

• Interest rate of 20.74% p.a.
• $95 annual account fee
• Up to 44 days interest free credit on purchases
• Visa acceptance at over 24 million locations worldwide.
• Access cash advances from ATM's all around the world
• For more info, visit www.anz.com/anzfrequentflyervisa

The ANZ Frequent Flyer Visa Platinum credit card will provide you access to accommodation upgrades and dining offers, concierge booking service and more.

• Earning Points
  • Earn up to one Qantas Frequent Flyer point for every dollar up to $2,500 spent monthly (excluding cash equivalent transactions)
  • Earn up to one Qantas Frequent Flyer point for every two dollars spent thereafter, up to and including a maximum monthly spend of $10,000
  • Earn Unlimited Bonus Points
  Rates, fees and features
  • Interest rate of 20.74% p.a.
  • $195 annual account fee
  • Up to 55 days interest free credit on purchases
  • Visa acceptance at over 24 million locations worldwide.
  • Commission free traveller's cheques when you purchase your traveller's cheques through an ANZ branch in Australia.
  • Minimum credit limit of $12,000
  • For more info, visit www.anz.com/anzplatinum

Get the ANZ Gold credit card you will can get 2 tiers of insurance protection, and covers most purchases for up to 12 months from the expiry of the original manufacturer's Australian warranty.

• Rates, fees and features
  • $87 annual account fee
  • Low rate balance transfer of 2.99% p.a. for the first 6 months
  • Up to 55 days interest free credit on purchases
  • For more info, visit www.anz.com/gold
  • Commission free traveller's cheques when purchased through any ANZ branch in Australia.
  • Credit limit up to $25,000

Get the ANZ First Visa credit card and enjoy a low annual fee, and get the support you need to make your everyday purchases, pay your bills, and withdraw extra cash (fees apply)

• Rates, fees and features
  • Interest rate of 19.49% p.a.
  • $30 annual account fee
  • Up to 44 days interest free credit on purchases
  • Low rate balance transfer 2.9% for the first 12 months
  • For more info, visit www.anz.com/first
  • Minimum credit limit of $1,000

• With a low 2.9%p.a* for 12 months on balance transfers, the Citibank Silver Card is the perfect choice if you are after a value for money credit card.
• Citibank Silver Card also offers a free rewards program
• Up to 55 days interest free on retail purchases and access to Citibank World Privileges.
• All for the low annual fee of $69.
• Terms and conditions apply - get more information at www.citibank.com.au/silver
• 2.9% p.a. on Balance Transfers and Purchases for 12 months†
• Up to 55 days interest FREE on retail purchases
• FREE Rewards Programme+

• With a low 2.9%p.a* for 12 months on balance transfers, the Citibank Gold Card will enable you to consolidate your finances.
• The Citibank Gold Card is also the perfect card to complement your lifestyle with generous credit limits
• free international travel insurance and free rewards program.
• Terms and conditions apply - get more information at www.citibank.com.au/gold
• 2.9% p.a. on Balance Transfers and Purchases for 12 months†
• Generous card limit up to $25,000
• FREE Rewards Programme+

• Enter a world of unmatched exclusivity with Citibank Platinum Card.
• Citibank Platinum offers a range of exclusive benefits to complement a luxurious lifestyle including
  • 24 hour personal concierge service, free personalised rewards program
  • credit limits up to $100,000 and free international travel insurance
• Citibank Platinum also provides financial flexibility with a low 2.9%p.a for 12 months on balance transfers.
• Terms and conditions apply - get more information at www.citibank.com.au/gold
  
  - 2.9% p.a. on Balance Transfers and Purchases for 12 months†
  - Credit limits of up to $100,000
  - Free personalised Rewards programme+

• A credit card that gives you automatic savings on everything you buy anywhere
  • 5% off your petrol and everything else you buy at BP^
  • 1% off everything else you buy anywhere†
• With the BP-Citibank MasterCard the money you save is simply credited to your account.
• Terms and conditions apply - get more information at www.citibank.com.au/bpmastercard
• 2.9%p.a. * for 12 months for all balances transferred†

• At last, a credit card that can reward you with ongoing low interest rates.
  • 11.99%p.a. ongoing for purchases
  • 0%p.a. on balance transfers for 6 months^
  • Access your account anywhere, anytime via Internet and phone banking.
  • Up to 55 days interest free on retail purchases.
• Offer available online only for a limited time. Apply now!
• Terms and conditions (available on request www.citibank.com.au/clear) and fees and charges apply.

• You can also get exclusive upgrades and discounts at thousands of hotels, restaurants, shops, shows and services around the world
• Terms and conditions (available on request www.citibank.com.au/cashback) and fees and charges apply.

Want to pay less interest? Then a Low Rate Credit Card could be right for you. With an ongoing low rate of just 13.24% p.a. for both purchases and cash advances you'll pay less interest on any outstanding balances you have each month, leaving you free to shop, pay bills and manage your general living expenses cost-effectively.

• Low interest rate of just 13.24% p.a. on purchases and cash advances
• $48 annual fee
• Up to 55 days' interest free on all purchases
• Even lower balance transfer rate of 5.99% p.a. for 5 months
• Free additional card for a family member or friend
• No rewards program, just an everyday low rate
• For more info, visit www.commbank.com.au/lowrate

With up to 55 days interest free on all purchases, the Low Fee card lets you shop now without paying extra in interest. Combine that with a low annual fee of just $24 and you'll really start saving.

• 19.64% p.a. on purchases
• 20.44 p.a. on cash advances
• Up to 55 days interest free
• $24 annual fee
• Balance transfer rate 5.99% p.a. for 5 months
• Global access - over 24 million locations
• Issued with chip for extra security
• Online security guarantee
• Free additional cardholder

Hit the shops, fill up the fridge, pay the bills - however you use your card, you'll earn one reward point for every dollar you spend. Use your card instead of cash and be rewarded.

• 20.44% p.a. on purchases AND cash advances
• Up to 55 days interest free
• $59 annual fee
• Balance transfer rate 5.99% p.a. for 5 months
• Issued with chip for extra security
• Global access - over 24 million locations
• Commonwealth Awards program - rewards program offering everything from cash back to DJs vouchers to blenders to magazine subscriptions to travel with over 400 different airlines around the world
• Online security guarantee
• Additional cardholder for $15
• For more info, visit www.commbank.com.au/awards

Gold opens a world of exclusive opportunities. Take advantage of exceptional Gold rewards every time you shop or pay a bill, and get a range of exceptional travel benefits as well.

• 20.44% p.a. on purchases AND cash advances
• Up to 55 days interest free
• $114 annual fee
• Balance transfer rate 5.99% p.a. for 5 months
• Issued with chip for extra security
• Commonwealth Awards program + special Gold offers
• Additional cardholder for $15
  
  Great travel card:
• Free international travel insurance (up to 3 months)
• Free transit accident insurance Commission-free travellers cheques
• Your Global Connection (premium integrated travel services)
• World-wide access (over 24 million locations)
  
  Shopping benefits:
  - Free Secure internet shopping (when shopping online – provided by MC and Visa)
  - Free Purchase security insurance (replaces most personal goods which are lost, damaged or stolen for up to 90 days from date of purchase)
  - Free Extended warranty insurance (extension on normal manufacturer's warranty for up to 1 year on most goods purchased in Australia or overseas)
  - Online security guarantee
• For more info, visit www.commbank.com.au/gold

Compliment your lifestyle with a wide selection of outstanding rewards, travel services and benefits available exclusively to Commonwealth Bank Platinum cardholders.

• 20.44% p.a. on purchases AND cash advances
• Up to 55 days interest free
• $200 annual fee
• Balance transfer rate 5.99% p.a. for 5 months
• Personal concierge service – just one phone call away
• Issued with chip for extra security
• Commonwealth Awards program + extra Platinum offers and bonus points
• Additional cardholder for $15
  
  Travel benefits:
• Complimentary international travel insurance (up to 12 months)
• Interstate flight inconvenience insurance
• Transit accident insurance
• Commission-free travellers cheques
• Companion airfare deal
• World-wide access (over 24 million locations)
  
  Shopping benefits:
• Secure internet shopping (when shopping online – provided by MC and Visa)
• Free Purchase security insurance (replaces most personal goods which are lost, damaged or stolen for up to 90 days from date of purchase)
• Free Extended warranty insurance (extension on normal manufacturer's warranty for up to 1 year on most goods purchased in Australia or overseas)
• Online security guarantee
• For more info, visit www.commbank.com.au/platinum