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You have the choice of the Low Rate MasterCard, the Rewards MasterCard or The Platinum MasterCard - whichever best suits your needs.

Low Rate MasterCard

The Low Rate MasterCard is a simple, no frills product with a lower rate and basic features such as 55 days interest free; the option to have up to four additional cards and complimentary purchase cover#^.

Introductory Offer - Half annual fee for the first year⁴

Rewards MasterCard

The Rewards MasterCard provides access to the Card Services Rewards Program^{^}, while also providing additional benefits such as a higher level of purchase cover and complimentary travel insurance for Gold Rewards MasterCard cardholders only ^#

Introductory Offer - 1.9% p.a. for 6 months on balance transfers³, (cash advance rate after six months).

Platinum MasterCard

The Platinum MasterCard allows you to get more out of the Card Services Rewards program through a higher points cap and the ability to earn points faster, with every $1 spent earning 1.25 Rewards points. Complimentary domestic travel insurance; higher levels of purchase cover and the Platinum Concierge Service is also included #.

Introductory Offer - 0% p.a. for 9 months on balance transfers¹, (cash advance rate after nine months) PLUS half price annual fee for the first year²

Before applying you need to read our Credit Guide

APPLY (by clicking apply you agree you have read out credit guide).

Terms and Conditions

Fees and charges apply. Terms and conditions apply and are available upon request. Citigroup's credit criteria apply. Current Card Services Cardholders are not eligible to apply for introductory offers.

1. Your total balance transfers with this offer 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 Services Platinum MasterCard Annual Percentage Rate for cash advances, currently 21.74% p.a. Interest rate are variable, subject to change and credit criteria. The interest rates are current as at 15/04/2013. This offer ends 30/6/2013. Existing Card Services Credit Cardholders are not eligible to apply for this offer. 2. Please note that subject to your acceptance, and upon activation of your card, you will be charged a half price Annual Primary Cardholder fee, currently $89, in the first year, which will revert to the standard Annual Primary Cardholder fee in subsequent years, currently $179. Existing Card Services Credit Cardholders are excluded from this half price annual fee offer. Half price annual fee offer ends 30/6/2013. 3. Your total balance transfers with this offer may not exceed 80% of your credit limit. The 1.9% p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 6 months. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the Card services Rewards MasterCard Annual Percentage Rate for cash advances, currently 21.74% p.a. Interest rate are variable, subject to change and credit criteria. The interest rates are current as at 15/04/2013. This offer ends 30/6/2013. Existing Card Services Credit Cardholders are not eligible to apply for this offer 4. Please note that subject to your acceptance, and upon activation of your card, you will be charged the annual card fee. For the Card Services Low Rate MasterCard you will be charged a half price Annual Primary Cardholder fee, currently $37, in the first year,which will revert back to the full Annual Primary Cardholder fee in subsequent years, currently $75. Existing Card Services Credit Cardholders are excluded from this half price annual fee offer. Half price annual fee offer ends 30/6/2013.

^#Complimentary 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 at www.cardservicesdirect.com.au. An excess applies to Purchase Cover Insurance.