Australian Credit Cards

[1] Woolworths Everyday Money Credit Card
More Info	- Special offer: a bonus $50 shopping card (until 30 April 2010) - No annual fee for 1st year, $49 thereafter - 5.99% for 6 months on Balance Transfer - Earn up to 3 points per $1 spent on purchases - Earn a shopping card every 4 months - Your choice of 4 fresh card colours - Free additional card * Card is issued by HSBC Bank Australia Limited.
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed 5.99%* 6 months* 18.74%* N/A* 55 days* Good*

[2] AMEX Gold Ascent Credit Card
More Info	- $0 Annual Card Fee - $2 spent = 1 Membership Rewards point - 24/7 online account access with paperless statements - Online fraud protection guarantee - $0 Supplementary Card fee - Up to 44 interest-free days - Membership Rewards Ascent allows you to choose from travel or a wide range of merchandise
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* 20.74%* $0.00* 44 days* Good*

[3] HSBC Credit Card
More Info	- $0 Annual Fee for the life of the Credit Card - 0%p.a. Balance transfer for the first 6 months when you transfer balances from non-HSBC credit and store cards (a 2% handling fee will apply) - Winner of Money Magazine's 2010 'Best Transactor Credit Card' Low interest rate of just 17.99% p.a 3 on purchases - Up to 55 days interest-free on purchases4 when you pay the full balance by the due date - Access to offers, discounts and benefits worldwide with HSBC's home&Away Privilege Program
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed 0%* 6 months on BT* 17.99%* $0.00* up to 55 days* Good*

[4] Virgin Money No Annual Fee Credit Card
More Info	- Choosing one of the six fetching colours before they run out is just the beginning (6 great colours to choose from) - No Annual Fee. Ever. - 2.9% p.a. for first 6 months (20.99% p.a. thereafter) on balance transfers - Access to all the great Virgin family offers - Enjoy up to 44 Interest free days
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed 2.9%* 6 months on BT* 18.99%* $0.00* 44 days* Good*

[5] Business Vantage Visa Credit Card
More Info	- Flexible expense reporting - BAS friendly - easy to calculate the GST - $0 annual fee when you combine with a Business Banking transaction account as part of a Business Owners Transaction Package^ - 55 days interest free on purchases is available on accounts that are paid in full by the due date. The interest free period does not apply to cash advances or any purchases while an amount that has been debited as a result of a balance transfer remains unpaid. - Comes with Business Cheque Account Plus
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* 17.15%* $0.00* 55 days* Good*

[6] AMEX Qantas Discovery Credit Card
More Info	- No annual fee - 1 Qantas Frequent Flyer point3 per $1 of eligible spend on purchases - 10,000 extra Qantas Frequent Flyer points - Redeem points for Award flights with Qantas or any of their 27 partner airlines - Uncapped number of Qantas Frequent Flyer points you can earn - Global card support
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* 20.74%* $0.00* up to 44 days* Good*

[7] ANZ Platinum Credit Card
More Info	- 0% p.a. on purchases and balances transferred for the first 6 months. Apply by 13 March 2012 - $0 Annual Fee for the first year, a saving of $87 - $0 Annual Fee in following years if annual spend exceeds $20,0001 (average monthly spend of $1,667) - Up to 55 days interest free credit on purchases - Standard interest rate of 19.24% p.a. on purchases - Platinum Concierge - Add up to 9 additional card holders to your account
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed 0%* 6 months* 19.24%* $0.00* up to 55 days* Excellent*

[8] HSBC Platinum Credit Card
More Info	- 0% p.a. balance transfer for 6 months1 from non-HSBC credit and store cards (a 2% handling fee will apply) - No annual fee for the first year (a saving of $129) - Visa Platinum Concierge Service - Visa Platinum Airport Service - Earn Rewards Points on every dollar you spend on purchases and choose your own rewards from travel to shopping to charity donations - Comprehensive insurance package including International Travel Insurance, Extended Warranty insurance and Purchase Protection Insurance - Priority 24-hour customer service - Up to 55 days interest-free period4 when you pay the full balance by the due date
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed 0%* 6 months on BT* 19.99%* $0.00* up to 55 days* Excellent*

[9] Commonwealth Bank Low Fee Credit Card
More Info	- Balance transfer rate 5.99% p.a. for 5 months - Interest-free period up to 55 days - Free complimentary card for a family member or friend - Secure Internet Shopping. Protects against online card fraud, 24 hours a day, 7 days a week - $24 annual fee. (No annual fee for Commonwealth Bank customers who take up a new Low Fee credit card and spend $1000 or more per year.)
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* 19.99%* $24.00* Up to 55 days* Poor*

[10] ANZ First Visa Credit Card
More Info	- 0% p.a. on purchases and balances transferred for the first 3 months. Apply by 13 March 2012 - Up to 44 days interest free credit on purchases - Convenience of Visa acceptance at over 24 million locations worldwide - ANZ Falcon(TM) security with 24/7 monitoring of suspicious transactions - Access to exclusive offers through Visa Entertainment - $0 for the first 12 months ($30 thereafter)
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed 0%* 3 months* 19.24%* $30.00* up to 44 days* Good*

[11] Aussie MasterCard®
More Info	- Just 2.99% p.a. on balance transfers for the 1st 12 months - And only 9.99%p.a. on purchases for the 1st 12 months - Reverts to one of the lowest ongoing rates around, currently just 13.29%p.a. on purchases - Up to 55 days interest-free credit on purchases - A low annual fee of only $49
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed 9.99%* 12 months* 13.29%* $49.00* up to 55 days* Good*

[12] St. George Vertigo MasterCard®
More Info	- Low variable purchase rate – just 13.24% p.a. ( 21.49% p.a. variable rate on cash advances) - Up to 55 days interest free on purchases when you pay the closing balance of your statement in full by the due date - Low annual fee - currently just $55 - Special 0.99% p.a. balance transfer rate for up to 12 months
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed 0.99%* 12 months on BT* 13.24%* $55.00* 55 days* Good*

[13] ANZ Low Rate MasterCard®
More Info	- 13.24% p.a. on purchases - 21.49% p.a. on cash advances - 0% p.a. on purchases and balances transferred for the first 3 months. Apply by 13 March 2012 - $58 annual fee - 60 seconds response - Custom design of the card
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed 0%* 3 months* 13.24%* $58.00* up to 55 days* Good*

[14] ANZ Balance Visa Credit Card
More Info	This Card is NOT Available anymore - 1 Reward Point for every $1 you repay to your balance - Choose how you would like to be rewarded - Cashback, Shopping Vouchers or Gift Cards - Choose how often you would like to be rewarded - every 3, 6 or 12 months
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* See T&C* 14.49%* $79.00* up to 55 days* Good*

[15] ANZ Gold Rewards Visa Credit Card
More Info	This Card is NOT Available anymore - Up to 44 days interest free credit on purchases - Extended Warranty and 90-day Purchase Security Insurance - Commission-free travellers cheques through ANZ Branches in Australia
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* 19.49%* $79.00* up to 44 days* Good*

[16] St. George Amplify Rewards Card
More Info	- 0.99% p.a. for 6 months on balance transfers - Earn 2 Amplify Points per $1 spent on purchases. - OR, earn 1 Qantas Frequent Flyer Points per $1 spent on purchases. - Free Qantas Frequent Flyer Rewards Program - Up to 55 days interest free
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* 18.74%* $79.00* Up to 55 days* Good*

[17] St. George Gold Low Rate MasterCard
More Info	- Variable purchase rate applies after the first 9 months, currently 15.99% p.a. - Variable cash advance rate 20.24% p.a. - A Gold credit card with gold benefits at a low annual fee, currently $79 - Up to 55 days interest free on purchases when you pay the closing balance of your statement, including the balance transfer amount, in full by the due date - A range of complimentary insurance covers
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* 15.99%* $79.00* up to 55 days* Excellent*

[18] St. George Gold Low Rate Visa Credit Card
More Info	- Variable purchase rate applies after the first 9 months, currently 15.99% p.a. - Variable cash advance rate 20.24% p.a. - A Gold credit card with gold benefits at a low annual fee, currently $79 - Up to 55 days interest free on purchases when you pay the closing balance of your statement, including the balance transfer amount, in full by the due date - A range of complimentary insurance covers
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* 15.99%* $79.00* up to 55 days* Excellent*

[19] Commonwealth Bank Awards Credit Card
More Info	- Get an AMEX card in addition to the standard Master Card - 1 Commonwealth Awards point for every $1 you spend and 1.5 points for every $1 spend with AMEX card - Up to 55 days grace period - Annual fee $89 (or $59 for qualifying customers) - Emergency Travel Assistance - globaleshop by American Express
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* 20.49%* $89.00* Up to 55 days* Good*

[20] St. George Platinum Credit Card
More Info	- Low Platinum 15.99% p.a. purchase rate* - Low $89 Platinum annual fee - 3.99% p.a balance transfer rate for up to 6 months*** - Up to 55 interest free days on purchases* - Up to 3 additional cards for your friends or family, with all transactions on one statement - Linked access to your other St.George accounts for the ease of one card banking - Exclusive Platinum card programs offered by Visa
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed 3.99%* 6 months on BT* 15.99%* $89.00* 55 days* Good*

* While we do our best to give you the most up-to-date information, data on the cards we can offer you is constantly changing, and thus we must provide it sans warranty. Accordingly, you should be sure to always review the terms and conditions of the online application regarding restrictions, limitation, and exclusions. Similarly, peruse the Guide to Benefits upon approval.

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