Low Rate MasterCard

_{Interest rates are on a per annum basis and are subject to change.}

_{Terms and conditions apply and are available upon request. Current Card Services Credit Cardholders are not eligible to apply for this introductory offer.}

_{¹ 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.}

_{² Purchase Cover 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.}

_{Interest rates last updated on 1 February 2012.}

_{Low Rate MasterCard is issued and administered by Citigroup Pty Limited ABN 88 004 325 080 AFSL No 238098 Australian credit licence 238098.}