Credit cards

_{* The 9.90%p.a. introductory interest rate will only apply to retail purchases made on your account for a period of 12 months after account opening. Cash advances during the introductory interest rate period are subject to your cash advance interest rate. At the end of the introductory interest rate period your interest rate for new purchases and any unpaid purchase balance will revert to your interest rate for purchases. Interest rates are variable, subject to change and credit criteria. This information is current as at 1 February 2012. This offer ends 31 July 2012.}

_{** The promotional rate of 1.90%p.a. applies for 6 months on balances transferred with this offer. Transferred balances will be repaid first during this period. Outstanding transferred balances at the end of the promotional period will revert to the standard cash advance rate. To be eligible for the offer, you need to apply for the CUA Rewards MasterCard® by 31 July 2012. Approved members only. The 6 month promotional period commences once balance transfer is processed. Any transactions made other than balance transfers in connection with this offer are at the standard variable credit card rates, currently 19.74%p.a. for retail purchases and 20.49%p.a. p.a. for cash advances. Interest rates are variable, subject to change and our credit criteria. The interest rates are current as at 1 February 2012. This offer ends 31 July 2012.}

_{*** The promotional rate of 0% applies for 9 months on balances transferred with this offer. Transferred balances will be repaid first during this period. Outstanding transferred balances at the end of the promotional period will revert to the standard cash advance rate. To be eligible for the offer, you need to apply for the CUA Platinum MasterCard® by 31 July 2012. Approved members only. The 9 month promotional period commences once balance transfer is processed. Any transactions made other than balance transfers in connection with this offer are at the standard variable credit card rates, currently 20.24%p.a. for retail purchases and 21.24%p.a. for cash advances. Interest rates are variable, subject to change and our credit criteria. The interest rates are current as at 1 February 2012. This offer ends 31 July 2012..}

_{**** To be eligible for the half annual fee offer on the CUA Platinum MasterCard®, you must apply for and activate your card before 31 July 2012. Subject to your acceptance you will be billed an annual account fee of $89 for the first year of the card. You will be charged an annual fee of $179 in subsequent years. Half price annual fee offer ends 31 July 2012.}

_{***** 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.}

_{****** All rewards are subject to the Terms and Conditions of the Card Services Rewards Program. Reward points are not earned on cash advances, special promotions or balance transfers. Reward points never expire while the account remains open and provided your account is in good order.}