Low rate. Big savings.

Transfer to a Low Rate MasterCard and you'll enjoy a great introductory interest rate of 9.9% for 12months on purchases.³ After the 12 month period the standard credit card purchase rate of 13.6%p.a. will apply to all purchases. An inerest rate of 19.99% will apply to all cash withdrawals. Get more with a Low Rate MasterCard

• Low Annual Fee - enjoy a low annual fee of just $75..
• Great interest free period - up to 55 days¹ 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 $15,000.
• Added protection with Fraudshield.®
• Complimentary purchase cover² on any new items that are lost, stolen or damaged
  within three months of purchase using your Low Rate MasterCard to a maximum of $50,000.

More Information

• Rewards MasterCard

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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.

Terms and Conditions: Current Card Services Credit Cardholders are not eligible to apply for this introductory offer. 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. Purchase Cover Insurance is 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 atwww.cardservicesdirect.com.au. An excess applies to Purchase Cover Insurance. 3. The 9.9% p.a. interest rate applies to retail purchases for the first 12 months from account approval. Outstanding retail purchase transactions will revert at the end of the promotional period to the standard Credit Card retail purchase rate, currently 13.6% p.a. Offer ends 31 January 2012. Approved customers only. The 12 month promotional period commences on account approval. Interest rates are variable, subject to change and Card Services credit criteria. Quoted interest rates are current as at 1 October 2011. ©2011 Card Services is a division of Citigroup Pty Limited ABN 88 004 325 080, AFSL 238098, Australian Credit Licence No. 238098 which provides and administers credit.