Low rate. Big savings.
Transfer to a Low Rate MasterCard and you'll enjoy a great introductory interest rate of 2.9% p.a.* for the first 6 months on balance transfers - you can pay off your debts faster and save even more, all with less stress.
You'll also save with a low 11.85% p.a.* on purchases and cash advances.
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 family and friends at no extra cost.
- Generous Credit Limits◊ - up to $25,000 on the Gold and $7,500 on the Silver MasterCard.
Complimentary Insurances#
- 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.
- Complimentary 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.
More Information
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Apply for a mastercard today 
Questions?
If you have any questions, please contact us
Fees and charges apply. Terms and conditions apply and are available upon request.
Final approval of your MasterCard application will be subject to satisfying Card Services Credit Criteria.
* The promotional annual percentage rate of 2.9% p.a. for 6 months applies from the date of card approval and only to the balance transferred with this offer. Balance transfers are repaid before purchases and cash advances. At the end of the six months introductory period the interest rate will revert to the standard Low Rate MasterCard interest rate, currently 11.85% p.a. on purchases and 11.85% p.a. on cash advances. Interest rates are current as of 20/04/09, variable, subject to change and Card Services Credit Criteria. Offer of 2.9% p.a. for 6 months 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). ◊ Actual Credit Limit will be assigned based on Card Services Credit Criteria, subject to confirmation that you earn a minimum of $20,000 p.a. for a Silver Card or $35,000 p.a. for a Gold card. # 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.
© 2009. Card Services is a division of Citigroup Pty Limited ABN 88 004 325 080 AFSL 238 098 which provides and administers credit.
