Low Rate MasterCard

A Low Rate MasterCard keeps things simple – low rate, big savings!

Special offer:

Introductory rate of 0% p.a. for 6 months on balance transfers.2 
After the 6 months period the standard cash advance rate of 21.74% will apply.2 

  • $49 annual fee for life1
  • Generous credit limits subject to credit criteria3
  • Up to 55 days interest free4
  • Purchase Cover Insurance5
  • Guaranteed Pricing Scheme5

Rates and fees:

  • 12.99%p.a. interest rate
  • 21.74%p.a. cash advance rate
  • $49 annual fee1


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Terms and Conditions apply. Fees and charges apply and are available upon request. Final approval of your MasterCard application will be subject to satisfying Card Services credit criteria.
1. Subject to your acceptance you will be charged a discounted annual fee of $49 for the life of the card. Existing MyCard Cardholders are excluded from this discounted annual fee offer. effective 01/02/2014.
2. 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 6 months. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the Annual Percentage Rate for cash advances, currently 21.74% p.a”. Interest rates are variable, subject to change and our credit criteria. The interest rates are current as at 1/07/13. Offer effective 01/02/2014.
3. Actual credit limit will be assigned based on our Credit Criteria, your credit rating, and subject to confirmation that you earn a minimum of $25,000 p.a. for the Low Rate card. Credit limit is up to $15,000 at point of initial approval. Over time, you may apply to increase your credit limit if you satisfy our credit criteria.
4. 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.
5. 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 are subject to Terms and Conditions and exclusions available at www.cardservicesdirect.com.au. An excess applies to Purchase Cover Insurance.
© 2013 Card Services is a division of Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian Credit Licence No. 238098 which provides and administers credit.