Fees and charges apply. Terms and conditions apply and are available upon request. Final approval of your MasterCard will be subject to satisfying Card Services' credit criteria.

1. The 0% p.a. interest rate applies for the first 14 months on balances transferred with this offer at point of application from the date your account is processed. Any outstanding transferred balance at the end of the promotional period will revert to the Annual Percentage Rate for cash advances, currently 21.74% p.a. Your total balance transfers may not exceed 80% of your credit limit. Interest rates are variable and subject to change. The interest rates are current as at 1 May 2015. This offer ends 31 January 2016.
2. For the Low Rate MasterCard, you will be charged a discounted Annual Primary Cardholder Fee of $49 for the life of the account. Annual fee offer ends 31 January 2016. Current Cardholders are not eligible to apply for this offer.
3. 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 and provided your account is in good order.
4. Actual credit limit will be assigned based on our Credit Criteria, your credit rating, and subject to confirmation that you earn a minimum of $35,000 for the Platinum card. Credit limit is up to $30,000 on Platinum at point of initial approval. Over time, you may apply to increase your credit limit if you satisfy our credit criteria.
5. Complimentary Insurances are 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 are subject to Terms and Conditions and exclusions available at www.cardservicesdirect.com.au. An excess applies to Purchase Cover Insurance.
6. Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 9 months. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the Card Annual Percentage Rate for cash advances, currently 21.74% p.a. Interest rates are variable and subject to change. The interest rates are current as at 1 May 2015. This offer ends 31 January 2016.
7. 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.

Card Services is a division of Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098 which provides and administers credit on behalf of IMB Ltd. trading as IMB Bank ABN 92 087 651 974. AFSL/Australian credit licence 237391.