‘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 on balance transfers from other store or credit cards 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#		2.9% p.a. for six months after which the rate reverts to the Cash Annual Percentage Rate
Purchases Annual Percentage Rate#		13.10% p.a. variable - one of the lowest credit card interest rates applicable to purchases in Australia!
Cash Advances & Cash Annual Percentage Rate#		17.10% p.a.
Rewards		No Rewards. If you are interested in Rewards consider the Card Services ‘Rewards’ MasterCard options
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 free on retail purchases		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 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.
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 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 $30,000.*****
Complimentary International Travel Insurance, Emergency Travel Assist and Transit Accident Insurance***		For Gold MasterCard holders only. Complimentary international travel insurance when the travel is paid in full using your Gold MasterCard. You'll also receive complimentary accidental death and injury cover. Plus automatic Emergency Travel Assist includes fast card replacement, emergency cash advance and medical and legal advice.
Complimentary Interstate Flight Inconvenience Insurance***		For Low Rate (Gold) MasterCard holders only. Complimentary interstate flight inconvenience insurance when the interstate flight is paid in full using your Low Rate (Gold) MasterCard - to cover flight cancellations, flight delays, luggage delays & loss or damage to personal items.
Easy Payment Options		Paying your credit card account is easy.
Telephone and Internet Banking		Available 24 x 7
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.

# Details are contained in the Card Services 'Low Rate' MasterCard Rate & Fee Guide (PDF, 161KB). 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 $2000

*** International Travel Insurance (Gold Cards only), Purchase Cover (Silver & Gold Cards) and Interstate Flight Inconvenience Insurance (Gold Cards only) 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 either Silver Cardholder Terms and Conditions (PDF, 100KB) or Gold Cardholder Terms and Conditions (PDF, 150KB) and exclusions contained in the Policy of Insurance. An excess applies to Purchase Cover Insurance.

**** 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 issued by Metlife Insurance Ltd ABN 75 004 274 882 (AFSL 238096). You should consider the Product Disclosure Statement (PDF, 187KB) before making a decision about this product so you can consider if the insurance is appropriate 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. 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.