‘Low Rate’ MasterCard

A cost effective option if you want to consolidate credit card debts or carry a balance month to month. Add this together with an even lower introductory rate and you've got the perfect card if you want a low ongoing rate but don't use Reward points.

Application Options

Features

Introductory Rate Balance Transfers#		4.9% p.a. for six months after which the rate reverts to a low ongoing variable rate
Introductory Rate Purchases & Cash Advances		4.9%p.a. for six months after which the rate reverts to a low ongoing variable rate
On-going Annual Percentage Rate		11.85% p.a. variable - one of the lowest rates in Australia!
Rewards		No Rewards. If you are interested in Rewards consider the ‘Rewards’ MasterCard
Annual Fee		Silver: $55 Gold: $99
Worldwide Acceptance		Pay for purchases at over 700,000 locations in Australia and over 22 million establishments worldwide. Access cash at any time at over 341,000 ATM's across the globe and throughout Australia (including Wide Bay Australia ATM's).
Up to 55 days interest fee*		Generous interest free periods allow you to spread your everyday expenses.
Generous Credit Limits		Up to $7,500 for Silver card and $25,000 for Gold card upon approval.** You may request a credit limit increase or be offered one during your relationship depending on individual circumstances
Photocard Identification		You can elect to have your photograph and signature digitally embedded on the front of your MasterCard - for greater security and instant recognition. Available to you and Additional Cardholders.
$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.
Up to four additional Cards		With up to four additional 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. An additional card fee of $10 applies for each additional Silver Card or $30 for each additional Gold Card.
Free 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 CREDITSHIELD		CREDITSHIELD® pays your minimum monthly payment if you are unable to work due to illness, accident or unemployment. In the event of your death or total disablement CREDITSHIELD® can pay off your total outstanding balance up to $20,000.*****
FREE International Travel Insurance, Emergency Travel Assist and Transit Accident Insurance		For Gold MasterCard holders only. Complimentary international travel insurance¹ when the travel is paid in full using your Gold MasterCard You'll also receive free accidental death and injury cover². Plus automatic Emergency Travel Assist includes fast card replacement, emergency cash advance and medical and legal advice.³
Easy Payment Options		Paying your credit card account is easy.
Telephone and Internet Banking		Available 24 x 7

# Not available to existing Citibank customers or cardholders of other cards issued by Citibank including holders of other Wide Bay Australia MasterCards. The transferred balance will be repaid first
^^ while your credit card account remains open
* At the end of each month your minimum repayment will be $30 or 2% of your outstanding balance - whichever is greater
** Minimum credit limit is $2000.
*** Purchase Cover is underwritten by Zurich Australia Insurance (ABN 13 000 296 640, AFSL 232507 of 5 Blue Street, North Sydney, NSW 2060) and is subject to the Purchase Cover Terms and Conditions (PDF, 350KB) and exclusions contained in the Master policy No: 20CITI0001LEI. We suggest you read these prior to making a purchase so you can consider if the insurance is appropriate for you.
**** 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)
***** CREDITSHIELD® is optional. CREDITSHIELD® is underwritten by Citicorp Life Insurance Ltd (ABN 75 004 274 882) AFSL 238096 of 2 Park Street Sydney NSW 2000 and is subject to the Terms and Conditions of the Master Policy CGL2774/1. Unemployment benefits may not be claimed by Cardholders 21 years and under. We suggest you read a copy of the Product Disclosure Statement (PDF, 187KB) so you can consider if the Insurance is appropriate for you.

¹Comprehensive Overseas Travel Insurance is underwritten by Zurich Australia Insurance Ltd (ABN 13 000 296 640, AFSL 232507 of 5 Blue Street North Sydney NSW 2060). The insurance benefits are subject to the Terms and Conditions (PDF, 600KB) (including limits and exclusions) in the Master Policy No. 20CITI0001TRA. We suggest you obtain a copy prior to making a purchase so you can consider if the Insurance's are appropriate for you.
²Transit Accident Insurance is underwritten by Zurich Australia Insurance Ltd (ABN 13 000 296 640, AFSL 232507 of 5 Blue Street North Sydney NSW 2060). The insurance benefits are subject to the Terms and Conditions (PDF, 600KB) (including limits and exclusions) contained in the Master Policy No. 20CITI0001TRA. We suggest you obtain a copy prior to making a purchase so you can consider if the Insurance's are appropriate for you. If you require a copy of the Master Policy please call Card Services on 1300 135 538.
³As these services are provided by third parties, Citibank accepts no responsibility for their availability, quality, use or the result of any medical, legal or transportation facilities. The Cardholder shall be responsible for the payment of these services.

Wide Bay Australia MasterCards are supplied by arrangement with Card Services – a division of Citigroup Pty Ltd ABN 88 004 325 080 (AFSLN 238098) ("Citigroup"). Citigroup is the issuer and administrator of Wide Bay Australia MasterCards. Credit approval is subject to Citigroup credit criteria including verification of income - Wide Bay Australia is not responsible for the credit decision. Terms and conditions, fees and charges apply - full details on application.