Virgin Money Low Rate Card

Introducing the new Virgin Money Low Rate Card.  Low interest rate plus enjoy 2.9% p.a. for 9 months on Balance Transfers

Card Features:

• 2.9%p.a for the first 9 months on balance transfers. Any outstanding transferred balances will revert to
  the cash advance rate after 9 months. This balance transfer offer is available to all new applicants
  who apply February 15, 2012 to March 31, 2012
• A low 12.99% purchase rate
• $59 annual fee
• Cash advance rate 21.69%
• Up to 44 days interest free^ on purchases.
• Minimum income required: $35,000 p.a.

Apply for a Virgin Money Low Rate Card

Rates, Terms and Conditions apply.
To see full terms and conditions, click here

Read more at: Virgin Money Low Rate Credit Card

Suncorp Gold credit card

Save with 50% off the annual fee for the first year. Plus receive 0% for 6 months on balance transfers.

 
Card Features

• An introductory rate of 0% p.a. for 6 months on balances transferred, after the 6 month introductory period the rate will revert to the cash advance rate^.
• Save with 50% off the annual fee for the first year*.
• Complimentary Suncorp Bank Rewards program - Earn 1 Reward point for every $1 spent and points don’t expire while the card remains open.
• Enjoy the convenience of Visa PayWave - allowing you to make purchases under $100 in seconds by holding your card against the payWave terminal.
• Generous credit limits subject to credit criteria
• Complimentary Purchase Cover Insurance for lost, stolen or damaged goods
• Up to 55 days interest free on retail purchases

Apply for a Suncorp Gold Credit Card now!

Terms and Conditions, Fees and Charges apply.
For full Terms & Conditions, please click here.

Read more at: Suncorp Gold Credit Card

Bank of Melbourne – Personal Loans

Features:

• Fixed Rate of 10.00% p.a.
• Comparison rate of 11.88% p.a.
• Borrow from $3,000 up to $80,000
• Choose to make repayments weekly, fortnightly or monthly
• Can receive conditional approval before you go shopping!

Apply for a Bank of Melbourne Secured Personal Loan

#The comparison rate is based on a Secured Personal Loan of $30,000 for a term of 5 years.
Terms and Conditions available here

Read more at: Bank of Melbourne – Secured Personal Loan

Bank of Melbourne – Vertigo MasterCard

One of the lowest purchase rates around, just 13.24% p.a.

Features:

• Special 0.99% p.a. balance transfer rate for up to 12 months available until 29th February 2012¹
• Low variable purchase rate – just 13.24% p.a. (21.49% p.a. variable rate on cash advances)
• Up to 55 days interest free on purchases when you pay the closing balance of your statement in full by the due date²
• Low annual fee – currently just $55

Apply for a Bank of Melbourne – Vertigo MasterCard

Terms and Conditions Apply:

1. The 0.99% p.a. balance transfer rate for up to 12 months is available when you apply for a new Bank of Melbourne Vertigo MasterCard® between 24 November 2011 and 29 February 2012 and request at application to transfer a balance from Australian issued credit or store cards other than Bank of Melbourne, St.George or BankSA credit cards. Subsequent balance transfers requested after application will be charged the Bank of Melbourne Vertigo standard variable purchase rate. Payments made to your credit card account will be applied as set out in the Credit Card Conditions of Use. At the end of the 12 months special balance transfer rate period, any outstanding balance transfer amount will attract your card’s standard variable purchase rate. You can apply to transfer $200 or more, up to 95% of your new Bank of Melbourne credit card available limit. This offer is not available in conjunction with or in addition to any other special offers

2. Interest free period does not apply to cash advances or any purchases while an amount that has been debited as a result of a balance transfer remains unpaid.

Read more at: Bank of Melbourne – Vertigo MasterCard

HSBC Fast Start credit card

HSBC Credit Card Features:

• 0%p.a. balance transfer for 6 months1 from non-HSBC credit and store cards (with a 2% handling fee).
• No annual fee# for the life of the card
• Winner of Money Magazine’s 2010 and 2011 ‘Best Transactor Credit Card’.
• Up to 55 days interest-free on purchases3 (when you pay the full balance by the due date each month).
• Special privileges at over 19,000 retailers in more than 160 countries and territories with the Privilege Program.
• Free additional cardholders
• Up to 55 days interest-free# on purchases (when you pay the full balance by the due date each month).
• Interest free purchases of up to 5 years at over 1,000 participating retailers4 across Australia.

Apply for an HSBC Credit Card now! 

Disclaimer:
Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 ACL 232595. Offer available to new, approved HSBC credit card holders who apply by 31/03/2012. Fees, charges, terms & conditions apply. Visit hsbc.com.au or call 1300 734 079. HSBC’s lending criteria apply. HSBC Credit Card account holders who have previously cancelled their card may be ineligible for this promotional offer.
1 To be eligible for the introductory balance transfer rate, the balance transfer request must be made at the time of applying for the new HSBC credit card, or within 1 month of receiving the new card. The interest rate on the balance transfer applies for six months and is limited to the first balance transfer request per account from other store cards or non-HSBC credit cards. After this period, any balance outstanding from the balance transfer will accrue interest at the interest rate for cash advances. HSBC may allocate payments we receive from you to pay the total amount owing in any order we see fit, including applying any or all payments made to your HSBC credit card account, to reduce the balance(s) transferred first and then any subsequent purchases. Please allow up to 3 statement periods from the end of this promotion for the balance transfer fee to appear on your statement. Offer not available to current or previous HSBC credit card holders.
2 The $0 annual fee applies to the standard HSBC Credit Card only and only applies while you remain an HSBC Credit Card customer.
3 Subject to acceptance, the $0 annual fee applies to the first year. You will be billed an annual fee which is currently $129 for the primary Platinum credit card on the first anniversary.
4 Bonus 20,000 points offer is available to HSBC Platinum Credit Card holders who make an eligible purchase within 3 months of applying for their card. Points will ordinarily be credited within 2 months of making an eligible purchase.

Read more at: HSBC Fast Start Credit Card

The new Citibank Rewards credit card – Signature

For a limited time, receive 40,000 reward points when you first purchase with your card¹. Plus, save with a low introductory rate of 0.9% p.a. for 9 months on balances transferred³

Amazing benefits await you:

• 40,000 bonus reward points when you first spend on your Signature credit card2
• A low introductory rate of 0.9% p.a. for 9 months on balances transferred, after the introductory period the rate will revert to the Cash Advance Rate1
  
• Earn 1.5 points per $1 spent on domestic purchases and up to 4 points per $1 spent on international purchases²
• An additional 3 reward points with Citibank Bonus Partners and enjoy earning unlimited reward points per year with no expiry²
• Protect your purchases with Extended Warranty Insurance⁸, Purchase Cover Insurance⁸ and Guaranteed Pricing Scheme⁸.
  
• Enjoy a free bottle of award winning wine every time you dine, and use your card to pay, at participating restaurants with Citibank’s Dining Program⁹
• Also earn 4.5 bonus reward points for every $1 spent on your bill using your Signature Credit Card.
• Purchase Rate 20.99% and Cash Advance interest rate of 20.74% p.a.
• Up to 55 days interest free on purchases8
• Minimum income requirement now only $75,000

Apply for a Citibank Rewards Credit Card – Signature now!

Fees and charges apply. Terms and conditions apply and are available upon request.

Subject to your acceptance you will be billed an annual account fee which is currently $199 for the Citibank Rewards Credit Card-Signature (Signature card), and $0 for an additional Signature card. Allow up to 15 working days to process your Application subject to verification.

Read more at: Citibank Rewards Credit Card – Signature

Virgin High Flyer Card

Buy a Virgin Australia domestic seat and we’ll give you a complimentary seat⁸ on the same flight up to 4 times every year! Just cover the credit card booking fees plus enjoy a low Balance Transfer rate of 1.9% p.s. for the first 6 months!

More card features:

• A low balance transfer rate of 1.9% p.a. for the first 6 months⁶, reverting to the cash advance rate after 6 months.
• Earn 15,000 bonus Velocity Points^{^}. Simply apply for a Virgin High Flyer Credit Card by 31 March 2012 and spend $5000 over the first 3 months.
• You’ll earn 1.25 Velocity Points³ per $1 spent, uncapped!
  
• Buy a Virgin Australia domestic seat and we’ll give you a complimentary seat⁸on the same flight up to 4 times every year! Just cover the credit card booking fees. Flights subject to availability, conditions apply.
• Complimentary international travel insurance for you and your family¹¹
• Enjoy our highest level of service, with your very own personal concierge¹².
• Up to 44 interest free days¹.
• Purchase Rate and Cash Advance rate of 20.99%
• All this value for an annual Card fee of $249.
• Plus a host of other Platinum benefits.

Apply for Virgin Money High Flyer Card

Special conditions:
# Apply by 31 January 2012. The first 10,000 Velocity Points earned during the promotional period will be doubled following which the standard rate will apply. Virgin Flyer standard rate is 1 Velocity Point per $1 spent on purchases up to $1500 per month and then 1 Velocity Point for every $2 thereafter. Virgin High Flyer standard rate is 1.25 Velocity Points per $1 spent, uncapped. Promotional period ends 3 months from card approval and is not available to existing customers. Credit Card application must be submitted through virginmoney.com.au or by calling 13 37 39. There must be an active Velocity Membership linked to the Virgin Flyer or Virgin High Flyer Credit Card account. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. This offer is not redeemable for cash, is non transferrable and can’t be used in conjunction with other Virgin Flyer Credit Card offers. Virgin Money reserves the right to amend the offer at any time without notice.

Terms and Conditions Apply and available here

Read more at: Virgin Money High Flyer Card

HSBC Fast Start Platinum credit card

Slim your credit card waistline with a 0% p.a. Balance Transfer for 6 months

Card Features:

• 0%p.a. balance transfer for 6 months from non-HSBC credit and store cards (a 2% handling fee will apply)
• $0 annual fee for the first year (a saving of $129) 
• Earn Rewards Points on every dollar you spend on purchases and choose your own rewards from travel to shopping to charity donations
• Comprehensive insurance package including International Travel Insurance, Extended Warranty insurance and Purchase Protection Insurance
• Up to 55 days interest-free on purchases (when you pay the full balance by the due date each month).
• Priority 24-hour customer service
• Visa Platinum Concierge and Airport Service

Apply for an HSBC Platinum Credit Card

Disclaimers

General
Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 ACL No. 232595. Offer available to new, approved HSBC credit card holders who apply by 31/03/2012. HSBC cardholders who have previously cancelled the same card type as the new card they are applying for may not be entitled to any promotional offers. Fees and charges and HSBC’s lending criteria apply. Terms and conditions apply and are available on request. Interest rates can be found at hsbc.com.au and are current as at 23/01/12 and are subject to change.

Balance Transfer
To be eligible for the introductory balance transfer rate, the balance transfer request must be made at the time of applying for the new HSBC credit card, or within 1 month of receiving the new card. The interest rate on the balance transfer applies for six months and is limited to the first balance transfer request per account from other store cards or non-HSBC credit cards. After this period, any balance outstanding from the balance transfer will accrue interest at the interest rate for cash advances. HSBC may allocate payments we receive from you to pay the total amount owing in any order we see fit, including applying any or all payments made to your HSBC credit card account, to reduce the balance(s) transferred first and then any subsequent purchases. A 2% balance transfer handling fee will apply to the requested balance transfer. Please allow up to 3 statement periods from the end of this promotion for the balance transfer fee to appear on your statement. Offer not available to current or previous HSBC credit card holders.

No annual fee
The $0 annual fee only applies to the first year and is only applicable to the HSBC Platinum credit card.

Rewards Points
Purchase excludes business expenses, interest free promotions, interest free merchant purchases, balance transfers and cash advances. Rewards Program terms, conditions and points capping limits apply.

Comprehensive Insurance
Terms and conditions apply to insurances. Insurance policies are issued by Zurich Australian Limited ABN 13 000 296 640 AFSL 232507. HSBC does not issue these insurances and does not receive commissions on these policies or guarantee any benefits under this cover. HSBC has entered into master policies for the benefit of cardholders. The cover provided is at no additional cost to cardholders. This document provides general information only and does not take into account what you currently have, want or need for your financial future. You should consider these matters and read the PDS available at zurich.com.au or by calling 1800 648 093.

55 days interest free
Depending on when you make your purchases, when your statement is issued, and if you pay off the total outstanding balance on your next statement of account on or before the due date. There are no interest free days on cash advances and balance transfers. You will not gain the benefit of the interest free period unless you pay the full balance (including any Balance Transfer or promotional purchases) by the due date. Interest Rate on Cash Advances is currently 21.99% p.a. All rates are current as at 14-Dec-11 and are subject to change.

Read more at: HSBC Fast Start Platinum Credit Card

Rewards credit card – Bankwest More MasterCard®

Apply today for your Bankwest More MasterCard and choose either More Rewards or More Rewards Qantas. Earn points on all eligible spend.

Credit Card Features:

• Earn 1.5 More Reward Points for every $1 spent OR earn 1 Qantas Frequent Flyer point per $2 spent on eligbile purchases
• Introductory 4.99% p.a. on balance transfers for 12 months
• Choose from up to 3,000 Rewards with More Rewards
• $120 annual fee. A $30 opt-in fee p.a. also applies for More Rewards Qantas
• Choose either More Rewards or More Rewards Qantas

Apply now for a Bankwest More Gold MasterCard

We’ve made the application process really quick and easy. You only need to apply once to find out if you are eligible for a Bankwest More Classic, Gold or Platinum MasterCard.

We guarantee your personal details will be safe when you apply online.

Click here to learn more.

Disclaimer: Lending criteria, fees and charges, terms and conditions apply and are available on request. Rates are subject to change and exclude cash advances (rate of 21.99% p.a. applies). Minimum balance transfer amount $500. One Bankwest More MasterCard per customer. You must be a Qantas Frequent Flyer member to earn and redeem points. Points and membership are subject to the t&cs of the Qantas Frequent Flyer program available here <www.qantas.com.au/frequentflyer>. A joining fee applies. Points earned in accordance with the More Rewards Qantas t&cs. Exclusions and limitations apply.

Bankwest More MasterCard makes shopping more rewarding

With a Bankwest More MasterCard, something as humdrum as paying bills suddenly becomes incredibly rewarding. Because for every dollar you charge to your card on eligible purchases, you’ll earn a minimum of 1.5 Bankwest More Rewards points on the More Rewards Program. These points can then be exchanged for over 3,000 rewards, big and small.

We have now also teamed up with Qantas to offer you Qantas Frequent Flyer points too. Once you have opened your account, if you would prefer to earn Qantas Frequent Flyer points, log on to www.bankwestmorerewards.com.au and opt-in to More Rewards Qantas^$. A $30 opt-in fee p.a. applies. It’s your choice!

You’ll be surprised how quickly your points can accumulate, especially if you use your card to pay for your groceries and bills. To get you started, for a limited time for new customers we’ll triple the number of bonus More Rewards points or Qantas Frequent Flyer points^ you can receive if you make an eligible purchase in the first 2 months.

Read more at: BankWest More Gold Mastercard

ANZ Platinum – platinum benefits for no annual fee in the first year and the opportunity for no annual fee in following years

Card Features:

• 0% p.a. on purchases and balances transferred for the first 6 months.
  Apply by 13 March 2012
• $0 Total Annual Fee for the first year- $87 thereafter (waived if annual spend exceeds $20,000 per year)
• Up to 55 days interest free² credit on purchases
• Standard interest rate of 19.24% p.a. on purchases
• Cash advance rate of 20.99% p.a.
• Overseas Travel and Medical Insurance⁴ at no additional cost
• ANZ Car Rental Cover⁵
• Domestic Interstate Flight Inconvenience Insurance⁶
• 90 day Purchase Security⁷
• Extended Warranty⁷ on major personal and household purchases
• Best Price Guarantee8 on personal goods purchased in Australia

Apply now for an ANZ PLATINUM CREDIT CARD!

Terms and conditions apply and are available on application. Fees and charges apply. Approval subject to ANZ’s credit assessment criteria.

1. The ANZ Platinum Annual Account Fee (“Annual Fee”) will be waived in the first year. In following years, if you make Eligible Purchases of $20,000 or more annually using your ANZ Platinum account your next Annual Fee will be waived. Eligible Purchases must be made in the year prior to your next Fee Date. Your Fee Date is the date that your account is assessed for charging an Annual Fee. If your account has not previously been charged an Annual Fee then for the purpose of determining your eligibility for the waiver, your Fee Date is the first date that your account is assessed for charging an Annual Fee. Eligible Purchases includes purchases made using your account, but excludes Balance Transfers, cash advances, interest, fees, transactions reversed and purchase refunds. If you do not make at least $20,000 of Eligible Purchases in the year prior to your Fee Date the Annual Fee will be charged to your account. If you are a member of the Sphere Rewards Program your Rewards Program Services Fee will continue to apply regardless of your annual Eligible Purchases spend.

2. Offer available to new applicants who apply for an ANZ Platinum credit card by 13 March 2012. The interest-free period commences from the date of approval and applies to purchases and non-ANZ balances transferred to your new credit card. Balance transfers must be completed at the time of applying for or at the time of activating your new credit card. The interest free period excludes cash and cash equivalent transactions, balances transferred from existing ANZ credit cards and account fees. The interest rate reverts to the standard variable rates applicable on your card account after six months. Any balances that remain unpaid at the end of this period will become subject to the standard variable rate for purchases. The Standard variable interest rate for ANZ Platinum is 19.24% p.a. on purchases and 20.99% p.a. on cash advances as at Tuesday, 15 November 2011 and is subject to change. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use. Terms and conditions apply to balance transfers (please call 13 22 73 for a copy).

3. Flexible payment options are available when a travel related purchase costing more than $500 in a single transaction is made on your ANZ Platinum card from an eligible merchant (Qualifying Transaction). An Eligible Merchant is any travel agent, online travel booking sites, airline or hotel, or any merchant ANZ advises as being an Eligible Merchant for the purposes of determining whether flexible payment offers are available. Purchases exclude cash and cash equivalent transactions. To apply to transfer a Qualifying Transaction to a flexible payment option call 13 22 73 after the transaction has posted to your account. This is usually 48 hours from the date you made the Qualifying Transaction. Your application must be made within 30 days of the date you made the Qualifying Transaction. Approval is subject to your accounts being in good order. Total purchases including the Qualifying Transaction cannot exceed your credit limit. ANZ reserves the right to add, change or withdraw flexible payment options at any time without prior notice. ANZ will not be liable to any loss or damage resulting from a delay in the process of receiving and/or approving applications. Your flexible payment option may be cancelled if you are in default or if you transfer to another ANZ credit card account. Any interest accrued between the date of the purchase and the date the amount is transferred to the flexible payment option will be at the standard variable interest rate applicable to purchases on your card account, subject to any available interest free days credit on the card account. Payments will be applied to your account as detailed in your ANZ Credit Cards Conditions of Use. A Qualifying Transaction can only be transferred to a flexible payment option once.

Instalment Plan: Your Instalment Plan will apply for 6, 12 or 18 months (as applicable) from the next statement date following the date on which your transfer is approved and reverts to the standard variable rate for purchases on your card account after 6, 12 or 18 months (as applicable) from the date the request is processed by ANZ. The approved instalment amount will form part of your minimum monthly card account repayments until your Instalment Plan is paid in full or the Instalment Plan expires.

Discounted Interest Rate: Any part of the amount transferred to this option that remains unpaid after the 6 month offer period will be subject to the standard variable interest rate applicable to your card. Your standard variable interest rates will continue to apply to all other purchases, cash advances and cash equivalent transactions.

4. Overseas Travel and Medical Cover is underwritten by QBE Insurance Australia Limited ABN 78 003 191 035, AFSL No. 239545 (“QBE”). Terms and conditions apply. To be eligible for Platinum Overseas Travel and Medical Insurance, you must be a permanent resident of Australia, pay at least $250 worth of your overseas travel arrangements using your Platinum card account prior to departing Australia, have a return ticket to Australia within 6 months of departure and be 80 years of age or under. Please refer to the ANZ Platinum Cards insurance booklet (PDF 1.37MB).

Read more at: ANZ Platinum Credit Card