Australian Credit Cards

[1] AMEX Qantas Premium Credit Card
More Info	- up to 17,500 bonus Qantas Frequent Flyer points - 5,000 points after your first purchase with the Card - 10,000 points after you spend $500 on purchases - 2500 points after your first Card spend in Australia on selected Qantas products and services - 1.25 Qantas Frequent Flyer point for every dollar spent on your Card. - 1 additional pointon selected Qantas services - 2 Quantas Club invitation every year - A $100 saving on your annual Card fee for the first year, from $249 to $149
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* 20.74%* $149.00* N/A* Excellent*

[2] AMEX Business Excellerator Credit Card
More Info	- 90 days Money Back satisfaction guarantee - 2 Membership Rewards points for every $1 spent up to $150,000 - reverting to 1 point for $1 thereafter (reset annually) - 12 statements per year that meet ATO requirements for GST reporting - The Annual $160 Card Fee is tax deductible if the Card is used solely for business - Up to 55 interest free days
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* 20.74%* $160.00* 55 days* Excellent*

[3] AMEX Platinum Card
More Info	- Exclusive privileges of the original Platinum - Charge Card -- pay your balance in full every month - 75,000 Membership Rewards Bonus Points when you spend $500 in the first 2 months of your membership - Complementary enrollment in Ascent Premium - $1 spent - up to 1.5 Membership Rewards points - A Portfolio of Cards at no extra cost - including four supplementary Cards and an additional Card to help you - separate personal and professional expenses
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* N/A* $900.00* 51 days* Excellent*

[4] ANZ Frequent Flyer American Express Gold Credit Card
More Info	This Card is NOT Available anymore - Two cards (VISA+AMEX). One account. One credit limit. One statement - Earn uncapped Qantas Frequent Flyer points from everyday purchases - You could maximise your Qantas Frequent Flyer points1 earning when using your ANZ Frequent Flyer Gold American Express credit card. - Continue to see your points grow with the convenience of 29 million locations worldwide when using your ANZ Frequent Flyer Visa Gold credit card. - Total Annual Fee of $195 applies which includes a $140 Annual Account Fee and a $55 Rewards Program Services Fee.
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed 0%* N/A* 19.74%* $195.00* up to 55 days* Excellent*

[5] ANZ Frequent Flyer Visa Gold Credit Card
More Info	This Card is NOT Available anymore - Two cards (VISA+AMEX). One account. One credit limit. One statement - Earn uncapped Qantas Frequent Flyer points from everyday purchases - You could maximise your Qantas Frequent Flyer points1 earning when using your ANZ Frequent Flyer Gold American Express credit card. - Continue to see your points grow with the convenience of 29 million locations worldwide when using your ANZ Frequent Flyer Visa Gold credit card. - Total Annual Fee of $195 applies which includes a $140 Annual Account Fee and a $55 Rewards Program Services Fee.
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* 19.74%* $195.00* up to 55 days* Excellent*

[6] ANZ Frequent Flyer Visa Platinum Credit Card
More Info	- 0% apr for 5 months on purchases - Uncapped Qantas Frequent Flyer points earning - Qantas Frequent Flyer Points automatically credited to your Qantas Frequent Flyer account each month - Overseas Travel and Medical Insurance - Up to 55 days interest free credit on purchases - Credit limit minimum of $12,000 - Total annual fee of $295 - 19.74% p.a. on purchases and 20.99% p.a. on cash advances. - Receive 20,000 Bonus Qantas Frequent Flyer points. Apply by 13 March 2012
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed 0%* 5 months* 19.74%* $295.00* up to 55 days* Excellent*

[7] ANZ Frequent Flyer American Express Platinum Credit Card
More Info	- 0% apr for 5 months on purchases - Uncapped Qantas Frequent Flyer points earning - Qantas Frequent Flyer Points automatically credited to your Qantas Frequent Flyer account each month - Overseas Travel and Medical Insurance - Up to 55 days interest free credit on purchases - Credit limit minimum of $12,000 - Total annual fee of $295 - 19.74% p.a. on purchases and 20.99% p.a. on cash advances. - Receive 20,000 Bonus Qantas Frequent Flyer points. Apply by 13 March 2012
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed 0%* 5 months* 19.74%* $295.00* up to 55 days* Excellent*

[8] AMEX Qantas Ultimate Credit Card
More Info	- 30,000 bonus points - 1 Qantas Domestic Economy return flight - 1.5 Points for every $1 spent - 2.5 Points for every $1 spent on selected good and services - $0 annual Card fee per Supplementary Card - A $200 saving on your annual Card fee for the first year, from $450 to $250
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* 20.74%* $250.00* Up to 44 days* Excellent*

[9] AMEX Platinum Business Card
More Info	- Enjoy the breathing space: And increased cash flow with up to 51 credit-free days - No pre-set spending limit - Easy tracking and management of expenses - Dedicated Platinum Business Concierge to assist you day-to-day - Complimentary access to Ascent Premium. Earn 1.5 points for every dollar spent up to $250,000, reverting to 1 point for every dollar thereafter. - Access to some of the world's most hospitable airport lounges6 including Delta Crown Room Club®, American Admirals Club®, Continental Airlines Presidents Club® and Northwest Airlines Worldclubs®. - Starwood Gold Preferred Guest membership - An annual subscription to BRW and the Weekend Financial Review - A selection of unique business and lifestyle events and experiences - Complimentary Supplementary Cards for your employees at no additional cost
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* N/A* $1,200.00* up to 51 days* Excellent*

[10] 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*

[11] AMEX Velocity Business Card
More Info	- Earn 2 Points for every $1 spent on your Card in Australia with the Virgin Australia group of airlines - Earn 1 Point for every $1 spent everywhere else - 20,000 bonus Velocity Points - Escape the hustle and bustle of the airport with two complimentary single entry passes to the Virgin Australia lounge each year - Put all your expenses on one statement and download it into Quicken™, MYOB®, Microsoft® Excel and more - Complimentary Domestic and International Travel Insurance - Supplementary Cards available for only $99 p.a. each - Enjoy up to 51 credit-free days
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* N/A* $249.00* 51 days* Excellent*

[12] AMEX Velocity Platinum Card
More Info	- 30,000 bonus Velocity Points - Earn 3 Points per $1 spent on your Card in Australia with the Virgin Australia group of airlines - Earn 1.5 Points for every $1 spent everywhere else - Unlimited two-for-one Business Class Flexi fares with V Australia - Complimentary Virgin Australia return domestic flight every year - Enjoy two complimentary single entry passes to the Virgin Australia lounge each year
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* 20.74%* $349.00* 25 days* Excellent*

[13] HSBC Platinum Qantas Credit Card
More Info	- 20,000 Qantas Frequent Flyer points - 0% p.a. balance transfer for 6 months from non-HSBC credit and store cards (a 2% handling fee will apply) - 2 Qantas Frequent Flyer points for every $1 spent on eligible purchases3 overseas - 1 Qantas Frequent Flyer point for every $1 spent on eligible purchases3 in Australia - 2 Complimentary invitations to the Qantas Club lounge every year - Up to 55 days interest free5 when you pay the full balance by the due date - Comprehensive Travel Insurance for Australia and overseas - Complimentary membership to the Qantas Frequent Flyer Program (valued at $82.50) if you aren't already a member - Priority 24-hour customer service - All of these benefits for $199 annual fee.
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed 0%* 6 months on BT* 20.99%* $199.00* up to 55 days* Excellent*

[14] 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*

[15] 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*

[16] 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*

[17] 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*

[18] 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*

[19] AMEX Platinum MoneyBack Credit Card
More Info	- 5% cashback for the first 3 months - 1% MoneyBack 1% thereafter - Unlimited Money back - $99 annual fee - Supplementary Card fee of $0 - 44 Interest free days
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* 20.74%* $99.00* 44 days* Good*

[20] 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*

* 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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