Platinum MasterCard Credit Card

<sub>Important information
Fees and charges apply. Terms and conditions apply and are available upon request.
Final approval of your MasterCard® application will be subject to satisfying Card Services’ Credit Criteria.

¹ 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.</sub>

_{² 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 in good standing.}

_{³  Your total balance transfers with this offer may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 9 months. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the CUA Platinum MasterCard Annual Percentage Rate for cash advances, currently 21.74%p.a.. Interest rates are variable, subject to change and credit criteria. The interest rates are current as at 15 April 2013. This offer ends 30 June 2013. Existing CUA Credit Cardholders are not eligible to apply for this offer.}

_{⁴ Please note that subject to your acceptance, and upon activation of your card, you will be charged the annual card fee. For the CUA Platinum MasterCard you will be charged a half price Annual Primary Cardholder fee, currently $89, in the first year, which will revert back to the full Annual Primary Cardholder fee in subsequent years, currently $179. Existing CUA Credit Cardholders are excluded from this half price annual fee offer. Half price annual fee offer ends 30 June 2013.}

_{⁵ Take Flight Travel Service call centre is operated by Pinpoint Travel Group Pty Ltd,Licence No. 2TA002974. Travel booked via the call centre must be paid in full using the member’s CUA MasterCard, with a cashback processed to the value of points redeemed. Cashback on member account may take up to 14 days. Redemption via the Take Flight Travel Service call centre is available only to members enrolled in the Card Services Rewards Program and is not available to cardholders who enrol in airline frequent flyer direct earn rewards programs. All offers are subject to availability and change without notice. Offers may vary according to itinerary options, currency fluctuations and taxes at the time of booking. MasterCard® is the registered trademark of MasterCard® International Incorporated.}

⁶ _{The maximum 55 days interest free period applies when you pay your balance off in full for two consecutive months. If you carry a balance on your credit card from month to month, the 55 days interest free period does not apply and you are charged interest once you make a purchase. No interest free period is available on Cash Advances or Balance Transfers.}

_{©2013 Card Services is a division of Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098 which provides and administers credit.}