Personal Investor

NSW CREDIT CARDS

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Institution Product Name Card Type Purchase Rate Cash Adv. Rate Intro Rate Intro Term Balance Transfer Free Days Min Repay Annual Card Fee Annual Rewards Fee Late Payment Fee Interest Charged From
Police Department Employees Credit Union Visa Credit Card
 V
 11.20
 11.20


55
 2.5%
 $30
 n/a $25 PurchaseDate
St. George Bank Gold Low Rate
 V, M
 14.25
 18.25


55
 $10/2%
 $79
 N/A $35 PurchaseDate
St. George Bank No Annual Fee
 V, M
 18.75
 18.75


0
 $10/2%
 $0
 N/A $35 PurchaseDate
St. George Bank Platinum
 V, M
 14.25
 20.49

3.99% p.a. for up to 6 months
 55
 10
 $89
 $35 PurchaseDate
St. George Bank Starts Low Stays Low
 V, M
 12.99
 12.99
 0.00
 mths
55
 2
 $69
 0 $35 PurchaseDate
St. George Bank Vertigo MasterCard
 M
 11.89
 20.49
 0.00
 mths
 0
 55
 2
 $55
 0 $35 PurchaseDate
St. George Bank Visa BusinessVantage
 V
 17.15
 17.15


55
 $10/2%
 $55
 n/a $25 PurchaseDate
Suncorp AMEX Gold
 AMEX
 17.49
 17.49


55
$69
 33 or 59 $30 PurchaseDate
Suncorp Suncorp Clear Options Gold
 V
 17.95
 17.95

0.99% per annum fixed for 6 months
55
 2.5% or $25 whichever is higher
 $69
 Standard - $39 or Premium - $69 $25 PurchaseDate
Suncorp Suncorp Clear Options Plus
 V
 18.25
 18.25

0.99% per annum fixed for 6 months
 55
 2.5% or $25 whichever is higher
 $29
 Standard - $39 or Premium- $69 $30 PurchaseDate
Suncorp Suncorp Clear Options Standard
 V
 11.15
 13.95
mths
55
 2.5
 $29
 n/a $30 PurchaseDate
Sydney Credit Union Low Rate Visa Credit Card
 V
 10.50
 10.50

10.50
 55
 $20
 $30
 n/a $25 StatementDate
Westpac Banking Corporation 55 Day Gold Visa/MasterCard
 V, M
 19.99
 21.09
 0.00
 5 mths
 3.99% for 6 months
 55
 $10 / 2%
 $90
 n/a $35 PurchaseDate
Westpac Banking Corporation 55 Day MasterCard/Visa
 V, M
 19.45
 21.09
 0.00
 5 mths
 3.99% for 6 months
 55
 $10 / 2%
 $30
 n/a $35 PurchaseDate
Westpac Banking Corporation Altitude
 M, AMEX
 20.74
 20.74
 0.00
 3 mths
 3.99% for 6 months
 45
 $10 / 2%
 $100
 $0 $35 PurchaseDate
Institution Product Name Card Type Purchase Rate Cash Adv. Rate Intro Rate Intro Term Balance Transfer Free Days Min Repay Annual Card Fee Annual Rewards Fee Late Payment Fee Interest Charged From
Westpac Banking Corporation Altitude Business Limited Edition
 M, AMEX
 20.74
 20.74
 0.00
 mths
45
 2%/$10
 $100
 0 $35 PurchaseDate
Westpac Banking Corporation Altitude Gold
 M, AMEX
 20.74
 20.74
 0.00
 3 mths
 3.99% p.a for 6 months
 45
 $10/2%
 $150
 $0 $35 PurchaseDate
Westpac Banking Corporation Altitude Platinum
 M, AMEX
 20.74
 20.74
 0.00
 3 mths
 3.99% for 6 months
 45
 $10 / 2%
 $295
 0 $35 PurchaseDate
Westpac Banking Corporation Earth
 M, AMEX
 17.99
 19.24

0.99% p.a. for 6 mths
55
 $10 / 2%
 $75
 $0 $35 PurchaseDate
Westpac Banking Corporation Earth+
 M, AMEX
 17.99
 19.24

0.99% p.a. for 6 mths (excl. Westpac and Virgin)
 55
 $10 / 2%
 $125
 $0 $35 PurchaseDate
Westpac Banking Corporation Holden Mastercard
 M
 20.45
 20.45

3.99% for 6 months
 45
 $10 / 2%
 $55
 Nil $35 PurchaseDate
Westpac Banking Corporation Low Rate
 V, M
 13.24
 19.98

3.99% for 6 months
 55
 2%
 $45
 n/a $35 PurchaseDate
Westpac Banking Corporation No Annual Fee
 M
 18.24
 20.74

3.99% for 6 months
 0
 $10 / 2%
 $0
 n/a $35 PurchaseDate
Wizard Home Loans Wizard Clear Advantage
 M
 15.74
 15.74
 0.00
 mths
 4.99
 55
 2.5
 $0
 n/a $35 PurchaseDate
Wizard Home Loans Wizard Fast
 AMEX
 17.49
 16.74
 7.99
 6 mths
55
 3% or $25 whichever is greater
 $25
 $33 $20 PurchaseDate
Yes Home Loans American Express LinkPoint
 AMEX
 16.49
 16.49
 0.00
 6 mths
55
 Interest Only
 $25
 35 $0 PurchaseDate
American Express American Express Gold Choices Credit Card
 AMEX
 19.99
 19.99
mths
 6.99% for 6 months
 55
 $30 or 2.5%
 $49
 40 $30 PurchaseDate
American Express Blue Sky Credit Card from American Express
 AMEX
 19.99
 19.99

6.99 life of balance introductory offer
 55
 3% or $25
 $0
 0 $30 PurchaseDate
American Express Gold Credit Card
 AMEX
 15.99
 15.99

6.99 life of balance introductory offer
 55
 $30 or 2.5% of total outstanding balance
 $70
 Choices-$40 OR Ascent-$80 $30 PurchaseDate
American Express Platinum Credit Card
 AMEX
 19.99
 19.99

6.99 life of balance introductory offer
 55
 $30 or 2.5% whichever is greater
 $395
 Complimentary and Automatic $30 StatementDate
Institution Product Name Card Type Purchase Rate Cash Adv. Rate Intro Rate Intro Term Balance Transfer Free Days Min Repay Annual Card Fee Annual Rewards Fee Late Payment Fee Interest Charged From
American Express Qantas American Express Card
 AMEX
 20.49
 20.49

6.99% life of balance
 55
 3% or $25 whichever is greater
 $95
 n/a $30 PurchaseDate
American Express Qantas American Express Premium Card
 AMEX
 20.49
 20.49

6.99% life of balance
 55
 3% or $25 whichever is greater
 $195
 n/a $30 PurchaseDate
American Express Qantas American Express Ultimate Card
 AMEX
 20.49
 20.49

6.99% life of balance
 55
 3% or $25 whichever is greater
 $395
 n/a $30 PurchaseDate
American Express Rewards Maximiser Gold Credit Card
 AMEX
 20.39
 20.39

6.99 life of balance introductory offer
 55
 3% of total outstanding balance or $25
 $192
 $0 $30 PurchaseDate
AMP Banking AMP Gold Credit Card
 AMEX
 14.99
 14.99

7.99% - first transfer only
 55
 $30/2.5%
 $70
 Ascent $80, Choices $40 $30 PurchaseDate
AMP Banking AMP Platinum Credit Card
 AMEX
 18.99
 18.99

6.99% - first transfer only
 55
 $30/2.5%
 $395
 Free (save $80) $30 PurchaseDate
ANZ Bank ANZ Balance Visa
 V
 13.99
 20.99


55
 $10/2%
 $79
 $22 p/card p.a. $35 PurchaseDate
ANZ Bank ANZ First Visa
 V
 19.99
 19.99

7.99% for the first six months upon approval
 44
 $10/2%
 $30
 n/a $35 PurchaseDate
ANZ Bank ANZ Frequent Flyer Visa
 V
 20.74
 20.74


44
 $10/2%
 $40
 $55 p/card p.a. $35 PurchaseDate
ANZ Bank ANZ Frequent Flyer Visa Gold
 V
 20.74
 20.74


55
 $10/2%
 $95
 $55 p/card p.a. $35 PurchaseDate
ANZ Bank ANZ Gold
 V
 19.99
 19.99

7.99% for the first six months upon approval
 55
 $10/2%
 $87
 n/a $35 PurchaseDate
ANZ Bank ANZ Low Rate MasterCard
 M
 12.99
 20.99
 0.00
 6 mths
 0% for 6 months on balances transferred
 55
 $10 or 2%
 $58
 n/a $35 PurchaseDate
ANZ Bank ANZ Rewards Visa
 V
 20.74
 20.74


44
 $10/2%
 $26
 $22 p/card p.a. $35 PurchaseDate
ANZ Bank ANZ Rewards Visa Gold
 V
 20.74
 20.74


55
 $10/2%
 $57
 $22 p/card p.a. $35 PurchaseDate
Aussie Aussie MasterCard
 M
 11.99
 15.99

0% for 6 months from date of card approval.
 55
 $10 or 2%
 $49
 n/a $35 PurchaseDate
Institution Product Name Card Type Purchase Rate Cash Adv. Rate Intro Rate Intro Term Balance Transfer Free Days Min Repay Annual Card Fee Annual Rewards Fee Late Payment Fee Interest Charged From
Bananacoast Community Credit Union BCU Bonus Rewarder
 V
 15.80
 15.80

Available
 55
 3% of balance or $10 whichever is greater
 $59
 0 $10 PurchaseDate
Bananacoast Community Credit Union Classic Visa
 V
 10.80
 10.80

Available
 55
 3% of closing balance or $10 whichever is greater
 $45
 n/a $10 PurchaseDate
Bank of Queensland Gold MasterCard
 M
 19.99
 19.99


44
 $5/3%
 $120
 Nil $30 PurchaseDate
Bank of Queensland Interest Free Days Card
 V, M
 19.99
 19.99


44
 $5 / 3%
 $49
 Nil $30 PurchaseDate
Bank of Queensland Low Rate Visa Card
 V
 11.99
 11.99


44
 $5/3%
 $49
 n/a $30 PurchaseDate
Bank of Queensland Zero Free Days Credit Card
 V, M
 17.99
 17.99


0
 $5 / 3%
 $0
 Nil $30 PurchaseDate
BankWest Business extra Visa
 V
 19.00
 20.49


40
 2%/$20
 $140
 16.00 annually per card $35 PurchaseDate
BankWest Lite Gold MasterCard
 M
 11.79
 20.49

2.99% for 6 months
 55
 2%/$20
 $89
 0 $35 PurchaseDate
BankWest Lite MasterCard
 M
 11.79
 20.49

2.99% for 6 months
 55
 2%/$20
 $59
 $0 $35 PurchaseDate
BankWest More Gold MasterCard
 M
 18.24
 20.49
 0.00
 mths
 4.99
 55
 2%/$20
 $120
 $0 $35 PurchaseDate
BankWest More MasterCard
 M
 18.24
 20.49
 0.00
 mths
 4.99
 55
 2%/$0
 $89
 $0 $35 PurchaseDate
BankWest More Platinum MasterCard
 M
 17.99
 20.49
 0.00
 mths
 4.99
 55
 2%/$20
 $190
 $0 $35 PurchaseDate
BankWest Visa Classic
 V
 19.74
 20.49


55
 2%/$20
 $29
 $16 $35 PurchaseDate
BankWest Visa Gold
 V
 19.74
 20.49


55
 2%/$20
 $84
 $16 $35 PurchaseDate
BankWest Visa Reward
 V
 19.74
 20.49


55
 2%/$20
 $29
 $16 p.a $35 PurchaseDate
Institution Product Name Card Type Purchase Rate Cash Adv. Rate Intro Rate Intro Term Balance Transfer Free Days Min Repay Annual Card Fee Annual Rewards Fee Late Payment Fee Interest Charged From
BankWest Zero MasterCard
 M
 15.99
 15.99
 0.00
 4 mths
 0% for 4mths purchases and BTs
 55
 2%/$20
 $0
 0 $35 PurchaseDate
Citibank BP-Citibank Mastercard
 M
 19.89
 19.89
mths
 2.9
 55
 2
 $79
 0 $40 PurchaseDate
Citibank Cash Back Card
 V
 20.74
 20.74
mths
 2.9
 55
 2
 $69
 0 $40 PurchaseDate
Citibank Clear Card
 V
 12.49
 20.74
mths
 0
 55
 2
 $65
 n/a $40 PurchaseDate
Citibank Gold Card
 V, M
 20.74
 20.74
mths
 2.9
 55
 2
 $119
 $40 PurchaseDate
Citibank Platinum Card
 V, M
 20.74
 20.74
mths
 2.9
 55
 2
 $250
 $40 PurchaseDate
Citibank Silver Card
 V, M
 20.74
 20.74
mths
 2.9
 55
 2
 $69
 $40 PurchaseDate
Commonwealth Bank Awards Card
 V, M
 20.74
 20.74

5.99% for 5 months
 55
 $25 / 2%
 $59
 $0 $25 PurchaseDate
Commonwealth Bank Gold Card
 V, M
 20.74
 20.74

5.99% for 5 months
 55
 $25/2%
 $114
 $0 $25 PurchaseDate
Commonwealth Bank Low Fee Card
 V, M
 19.64
 20.74

5.99% for 5 months
 55
 $25/2%
 $24
 n/a $25 PurchaseDate
Commonwealth Bank Low Rate Card
 V, M
 13.24
 18.99

5.99% for 5 months
 55
 $25/2%
 $48
 n/a $25 PurchaseDate
Commonwealth Bank No Annual Fee Card
 V, M
 18.24
 20.74

5.99% for 5 months
 0
 $25/2%
 $0
 n/a $25 PurchaseDate
Commonwealth Bank Platinum Credit Card
 M
 20.74
 20.74

5.99% for 5 months
 55
 $25 / 2%
 $200
 0 $25 PurchaseDate
Community First Credit Union Visa Credit Card
 V
 10.50
 10.50

Available at purchase rate
 55
 $20 or 3% of outstanding balance
 $30
 n/a $25 PurchaseDate
CUA Gold MasterCard
 M
 19.49
 19.49

4.9% pa
55
 $30 or 2%
 $75
 0 $15 PurchaseDate
Institution Product Name Card Type Purchase Rate Cash Adv. Rate Intro Rate Intro Term Balance Transfer Free Days Min Repay Annual Card Fee Annual Rewards Fee Late Payment Fee Interest Charged From
CUA Low Rate MasterCard - Gold
 M
 11.85
 11.85
 4.90
 6 mths
 4.9
 55
 $30 or 2%
 $75
 n/a $40 PurchaseDate
CUA Low Rate MasterCard - Silver
 M
 11.85
 11.85

4.9
 55
 $30 or 2%
 $35
 n/a $40 PurchaseDate
CUA Silver MasterCard
 M
 19.49
 19.49

4.9% pa
55
 $30 or 2%
 $35
 0 $15 PurchaseDate
Encompass Credit Union Encompass Credit Card
 V
 13.25
 13.25

13.25%
 55
 3% or $25
 $36
 n/a $25 PurchaseDate
GE Money Coles Myer Source MasterCard
 M
 19.75
 19.75

0% on balance transfers for up to 6 months
 62
 2.22%
 $0
 0 $35 PurchaseDate
GE Money GE Money Low Rate MasterCard
 M
 14.99
 20.49
 0.00
 mths
 4.99
 55
 2.22
 $58
 n/a $35 PurchaseDate
GE Money Myer Visa Card
 V
 18.99
 18.99


62
 2.222%
 $39
 0 $35 PurchaseDate
HSBC Classic Credit Card 45 days interest free
 V
 19.99
 21.25

5.99% for up to 6 mths on first bal trans
 45
 3.0% or $20
 $59
 $0 $30 PurchaseDate
HSBC Classic Credit Card no interest free days
 V
 19.99
 21.25

5.99% for 6 mths on first bal trans
 0
 3.0% or $20
 $59
 $0 $30 PurchaseDate
HSBC Gold Credit Card
 V
 19.99
 21.25

5.99% for 6 mths on first bal trans
 45
 3.0% or $20
 $99
 $0 $30 PurchaseDate
HSBC Low Rate Credit Card
 V
 15.99
 19.99

0% for 6 months on the first balance transferred
 55
 $30 or 3%
 $49
 $0 $30 PurchaseDate
HSBC Platinum Credit Card
 V
 19.99
 21.25

5.99% for 6 mths on first bal trans
 45
 3% or $20
 $199
 $0 $30 PurchaseDate
IMB IMB Low Rate MasterCard
 M
 11.85
 11.85
mths
 4.9% on Balance Transfers for 6 months
 55
$55
 n/a $ PurchaseDate
IMB IMB Reward Mastercard
 M
 20.24
 20.24
mths
 4.9% For the LIFE OF THE BALANCE
 55
$55
 nil $ PurchaseDate
Intech Credit Union Limited Titanium 55
 V
 9.55
 9.55


55
 3%
 $36
 n/a $20 PurchaseDate
Institution Product Name Card Type Purchase Rate Cash Adv. Rate Intro Rate Intro Term Balance Transfer Free Days Min Repay Annual Card Fee Annual Rewards Fee Late Payment Fee Interest Charged From
Macquarie Bank Macquarie Bank Platinum Card
 V
 19.95
 19.95
mths
 0
 55
 2
 $200
 0 $40 PurchaseDate
Macquarie Bank Macquarie Bank RateSaver Card
 V
 11.95
 18.95
mths
 0
 55
 1.5
 $50
 n/a $40 PurchaseDate
Members Equity Bank Members Equity MasterCard
11.99
 11.99

11.99
 44
 3%/$10
 $30
 n/a $25 PurchaseDate
NAB Ant Card with Rewards
 AMEX
 20.47
 20.47


44
 $10 / 2.5%
 $99
 $0 $30 PurchaseDate
NAB Ant Gold Card with Rewards
 AMEX
 20.47
 20.47


44
 $10 / 2.5%
 $148
 $0 $30 PurchaseDate
NAB Ant with No Annual Card Fee
 AMEX
 19.45
 19.45


44
 $10 / 2.5%
 $0
 $30 PurchaseDate
NAB Low Rate Visa Card
 V
 12.95
 19.99

0% for up to 6 months
 55
 $10 / 2.5%
 $49
 n/a $30 PurchaseDate
NAB Standard
 V, M
 19.74
 19.74
mths
44
 $10 / 2.5%
 $30
 $0 $30 PurchaseDate
NAB Velocity NAB Credit Card (American Express and Visa Card)
 V, AMEX
 19.99
 19.99
mths
 3.99% p.a. for up to 6 months
 44
 2.5%
 $65
 $0 $30 PurchaseDate
NAB Velocity NAB Gold Card (American Express and Visa card)
 V, AMEX
 19.99
 19.99
mths
 3.99% p.a. for up to 6 months
 44
 2.5%
 $150
 $0 $30 PurchaseDate
NAB Visa Gold / Mastercard Gold
 V, M
 19.74
 19.74
 0.00
 mths
44
 $10 / 2.5%
 $90
 $30 PurchaseDate
NAB Visa Gold with Rewards / Mastercard Gold with Rewards
 V, M
 20.47
 20.47


44
 $10 / 2.5%
 $88.3
 $57.20 $30 PurchaseDate
NAB Visa Mini
 V
 19.74
 19.74
 0.00
 6 mths
 5.9% for up to 6 months
 55
 $10 / 2.5%
 $24
 n/a $30 PurchaseDate
Newcastle Permanent Building Society Value +
 V
 11.84
 15.84

15.84
 55
 $10.00
 $45
 n/a $25 PurchaseDate
NSW Teachers Credit Union Teachers Credit Card
 V
 11.50
 11.50
 7.90
 6 mths
55
$0
 n/a $25 Purchase Date