Compare our credit cards

		Card Services ‘Rewards’ MasterCard	Card Services ‘Low Rate’ MasterCard
Introductory Balance Transfer Rate#		7.9% p.a for first 12 months
Purchases Annual percentage Rate#		19.74% p.a.	SPECIAL OFFER: 9.9%p.a. for the first 12 months Reverting to 13.60% p.a.
Cash Advances & Cash Annual percentage Rate#		20.49% p.a.	19.99% p.a.
Card Services ‘Rewards’ Program
Annual Fee		$90	$75
Annual Supplementary Card Fee (Up to four additional cards)		$15	FREE
Worldwide Acceptance
Up to 55 days interest free on retail purchases
Generous Credit Limits
$1000 daily limit on cash advance		Access any cash anytime, anywhere using ATM's in Australia and overseas and up to $500 per day from Australia Post outlets.
Balance Transfers (non-introductory)		Transfer the outstanding balances of other credit cards, store cards or personal loans to your existing card (up to your credit limit) at any time by completing a Balance Transfer Authorisation.
'Cheque to Self'		Access cash for any purpose (up to your credit limit) by completing a Balance Transfer Authorisation and writing in your name in the Balance Transfer section and 'cheque to self' in the Type of card/account section.
Up to four Supplementary Cards		With up to four Supplementary cards, you can share the privileges and security of your MasterCard with someone you care for. You'll receive one monthly statement that combines your expenditure on all cards. A Supplementary card fee applies for each additional card.
Complimentary Purchase Cover for up to 90 days after purchase		Most purchases of personal items made using your MasterCard are covered for loss, theft or damage for up to 90 days - anywhere in the world. They will be replaced, repaired or reinstated.***
Emergency Card Replacement		In most cases your lost or stolen MasterCard can be replaced within 48 hours by contacting "Card Services" 24 hour Customer Service Desk.****
Added security with Fraudshield		If we detect irregular transactions on your account we will advise you immediately.
Added comfort with CardProtect		CardProtect provides easy, low cost insurance cover to assist you in meeting your regular monthly repayments on your credit card account in the event that that you lose your job, suffer a major sickness or die unexpectedly. CardProtect also provides benefits for some of life’s everyday events – such as having a baby or buying a new home.*****
Complimentary International Travel Insurance***
Easy Payment Options		Paying your credit card account is easy.
Telephone and Internet Banking		Available 24 x 7

# Details of the introductory and on-going annual percentage rates are contained in the Card Services 'Rewards' MasterCard Rate & Fee Guide (PDF, 152KB) and 'Low Rate' MasterCard Rate & Fee Guide (PDF, 132KB). The introductory offer applies from the date of card approval. The introductory offer applies from the date of card approval. Offer not available to existing MasterCard cardholders of Wide Bay Australia or holders of credit cards issued by Citigroup or for transfers in foreign currency or to offshore accounts. Balance transfers are repaid before purchases and cash advances. Each Balance transfer must be for at least $500. Purchases, cash advances, balance transfers and special promotions made other than with this offer are charged at the applicable interest rate, which may be variable and subject to change. The prevailing applicable interest rate will apply upon the expiry of the introductory period. Balance transfers cannot be used to pay off any other product with Wide Bay Australia.

** Minimum credit limit is $2,000

*** International Travel Insurance and Purchase Cover are provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640 (AFSL 233507) and Citigroup Pty Ltd and is subject to Terms and Conditions and exclusions contained in the Policy of Insurance. An excess applies to Purchase Cover Insurance. These terms and conditions can be accessed on the relevant 'Rewards' MasterCard or 'Low Rate' MasterCard pages.

**** Your liability is limited to a maximum of $A50, unless you have contributed to the loss (delayed loss notification or disclosed PIN are examples of such a situation)

***** The issuers of CardProtect are AIA Australia Limited ABN 79 004 837 861 AFSL No. 230043 and Great Lakes Reinsurance (UK) PLC ARBN 127 740 532 ABN 18 964 580 576 AFSL No. 318603. The distributor is Citigroup Pty Limited ABN 88 004 325 080 AFSL No 238098. Please read the Product Disclosure Statement (PDF, 396KB) and Financial Services Guide (PDF, 194KB) to decide if the policy is right for you.

Wide Bay Australia MasterCards are supplied by arrangement with Card Services – a division of Citigroup Pty Limited ABN 88 004 325 080 (AFSLN 238098) ("Citigroup"). Citigroup is the issuer and administrator of Wide Bay Australia MasterCards. Credit approval of your application is subject to satisfying Citigroup credit criteria including verification of income and employment details. Wide Bay Australia is not responsible for the credit decision. To help you make an informed decision about whether to acquire a Citigroup credit card product through Wide Bay Australia you should read our Credit Card Credit Guide (PDF, 62KB). Upon approval of your application, Citigroup will notify you of how to meet the identification procedure required by law. Terms and conditions, fees and charges apply - full details on application.