Instant Decision Cards

[1] 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*

[2] 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*

[3] 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*

[4] Virgin High Flyer Credit Card
More Info	- A low balance transfer rate of 1.9% p.a. for the first 6 months, reverting to the cash advance rate after 6 months. - Earn 15,000 bonus Velocity Points. Simply apply for a Virgin High Flyer Credit Card by 31 March 2012 and spend $5000 over the first 3 months. - You'll earn 1.25 Velocity Points per $1 spent, uncapped! - Buy a Virgin Australia domestic seat and we'll give you a complimentary seat on the same flight up to 4 times every year! Just cover the credit card booking fees. Flights subject to availability, conditions apply. - Complimentary International Travel Insurance for you and your family. - Enjoy our highest level of service, with your very own personal concierge. - Enjoy up to 44 interest free days. - All this value for an annual Card fee of $249. - Plus a host of other Platinum benefits.
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed 1.9%* 6 months* 20.99%* $249.00* 44 days* Good*

[5] 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*

[6] 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*

[7] AMEX Platinum Reserve Credit Card
More Info	- Receive 30,000 Membership Rewards Bonus Points when you spend $500 in the first 2 months of Card membership - Annual choice of a complimentary Virgin Blue economy return flight to one of 7 international or 29 domestic destinations1 or one night's complimentary hotel stay 6 at a selected range of hotels - Complimentary Priority Pass membership - 2 complimentary airport lounge visits per year - Domestic and International Travel Insurance - Overseas Travel Insurance - Travel Inconvenience Cover - Membership Rewards Ascent program - 1.5 Membership Rewards Points for every dollar you spend
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* 20.74%* $395.00* up to 55 days* Good*

[8] 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*

[9] AMEX Qantas Business Card
More Info	- Simplify your paperwork with ATO compliant monthly statements with GST breakdown - Download your monthly statements when you want straight into a range of software packages, including Quicken or Microsoft Excel - Protection you deserve with Domestic and International Cover available - Enjoy year-round discounts with the Business Savings program - Online Fraud Protection Guarantee - The best in service with the Worldwide Customer Care Program - No pre-set spending limit - Annual Card fee of $299 p.a - Supplementary Card fee of $119 p.a.
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* N/A* $299.00* N/A* Good*

[10] AMEX Platinum Edge Credit Card
More Info	- 0% apr intro rate for 6 months - Complimentary Virgin Blue domestic economy return flight annually - Complimentary Domestic and International Travel Insurance - Up to 4 free supplementary cards - 20,000 Membership Bonus Rewards Points - Earn 3 points at major supermarkets - Earn 2 points at major petrol stations - Earn 1 point for every dollar spent on all other purchases - Up to 55 days interest free
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed 0%* 6 months* 24.74%* $149.00* up to 55 days* Good*

[11] 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*

[12] 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*

[13] AMEX Gold Business Card
More Info	- No pre-set spend limit - Annual fee is tax deductible - Complete your Business Activity Statement (BAS) with ease by downloading your Card account details and GST breakdown directly to your Microsoft Money, Quicken, MYOB OR Excel financial software - Supplementary Cards for employees
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* N/A* $169.00* up to 51 days* Good*

[14] 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*

[15] 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*

[16] 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*

[17] 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*

[18] 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*

[19] 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*

[20] 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*

* 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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