Rewards MasterCard Credit Card

¹ _{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.}

² _{Your total balance transfers with this offer may not exceed 80% of your credit limit. The 1.90%p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 6 months. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the CUA Rewards 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.}

³ _{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.}

⁴ _{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 enroll 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.}

⁵ _{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. 238 098, Australian credit licence 238098 which provides and administers credit.}