Aussie MasterCard® Credit Card - Overview
The average credit card charges over 16% p.a.* interest, with some charging over 20% p.a. It's a rip-off! Fight back with the low rate Aussie MasterCard®.
It's a no nonsense credit card, so you can keep more money in your pockets and not the banks'.
Special Offer
2.99% p.a. on balance transfers and 9.99% p.a. on purchases for the first 12 months for new applications made before 30 March 2012².
Interest Rate
13.29% p.a.¹ on purchases
19.99% p.a.¹ on cash advances
Interest free days
Up to 55 days interest-free credit on purchases³.
Fraud protection
If we spot something different from your normal spending patterns we may call you to confirm the transaction is really yours.
Other features
24/7 online account access or over the phone
Annual fee
Low $49 annual account fee
Additional cardholder Fee
$10 per additional card
Cash advance
A 2% fee will be charged if you obtain a cash advance from your credit card account.
If the account (based on transactions processed by us) is in credit balance at the time we process the cash advance, the credit amount will offset the amount of the cash advance in the calculation of the 2% fee. Minimum fee for Overseas ATM & Branch Cash Advances will apply.
For cash advances made overseas at an ATM or a bank or financial institution, the 2% fee will be calculated with reference to the cash advance amount, any ATM operator fee plus any Overseas Transaction Fee charged on the transaction. A minimum fee of $4.00 applies to overseas cash advances.
A minimum fee of $4.00 applies to cash advances made at a bank or other financial institution within Australia.
Some ATMs and overseas EFTPOS locations may also impose a surcharge.
Other Fees
More details on fees and charges (and how to avoid them) can be found
here.
What you get with an Aussie MasterCard® Credit Card
Lock-in our limited offer of just 2.99% p.a. on balance transfers and 9.99% p.a. on purchases for the first 12 months², with the confidence that it reverts to one of the lowest ongoing interest rates on purchases around.
With the Aussie MasterCard® you get:
- A low ongoing interest rate on purchases, currently just 13.29% p.a.¹
- Up to 55 days interest-free credit on purchases³
- A low annual fee of only $49
- 24/7 online account access or over the phone
- Fraud protection – and the confidence of knowing we'll call you if we spot any suspicious use of your credit card
Terms and conditions available on application. Fees and charges apply. Approval subject to our normal lending criteria.
1) The standard variable interest rate for purchases is 13.29 % p.a. and 19.99 % p.a. on cash advances. Interest rates current at 10 January 2012 and subject to change.
2) From date of card approval. Promotional rate reverts to the standard variable interest rate applicable to purchases on your card twelve months after date of card approval. Balance transfers: Only valid for balance transfers from non-Aussie credit and store cards. Interest accrues on balance transfers from the date the transfer is processed by us. Purchases: Excludes cash equivalent transactions. Terms and conditions apply (please call 13 13 77 for a copy).
3) Interest free days do not apply if you do not pay your Closing Balance (which includes any outstanding balance transfers, cash advances, purchases and Promotional Plans) in full by the due date each month. Payments to your account are applied in the order set out in the Aussie MasterCard Conditions of Use.
4)*Source: Based on Infochoice data as at 22 November 2010.
Offers only available for new Aussie MasterCard applications submitted before 30 March 2012. Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. We recommend you read the
Aussie MasterCard conditions of use before acquiring the product. Aussie Credit Cards are provided under agreement by Australia and New Zealand Banking Group Limited ABN 11 005 357 522, Australian Credit Licence Number 234527.
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