Universal Rewards Cards

[1] 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*

[2] 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*

[3] 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*

[4] 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*

[5] 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*

[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] Virgin Flyer Credit Card
More Info	- An impressive rate of 1.9% p.a. for the first 9 months. - You'll earn 1 Velocity Point per $1 spent up to $1,500 per month and then 1 Velocity Point for every $2 spent. - 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. - Enjoy up to 44 interest free days. - Get access to some great Virgin family offers. - You'll get all this for just a $99 annual fee.
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed 1.9%* 9 months on BT* 20.99%* $99.00* 44 days* Good*

[8] AMEX Velocity Gold Card
More Info	- Earn 2.5 Velocity Points for every $1 spent on purchases made on the Card in Australia with the Virgin Australia group of airlines - Earn 1.25 Points 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 - Complimentary Domestic and International Travel Insurance - Access to Supplementary Cards at no extra cost. Points earned on each Supplementary Card will be credited to your Velocity Account
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* 20.74%* $199.00* 25 days* Good*

[9] 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*

[10] 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*

[11] 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*

[12] 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*

[13] 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*

[14] 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*

[15] ANZ Frequent Flyer Visa Classic Credit Card
More Info	- Uncapped Qantas Frequent Flyer points earning - Qantas Frequent Flyer Points automatically credited to your Qantas Frequent Flyer account each month - Up to 44 days interest free credit on purchases - Total annual fee of $95 - 19.74% p.a. on purchases and 20.99% p.a. on cash advances. - Receive 10,000 Bonus Qantas Frequent Flyer points. Apply by 13 March 2012
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* See T&C* 19.74%* $95.00* up to 44 days* Good*

[16] ANZ Rewards Visa Credit Card
More Info	- 0% apr for 3 months - 1.5 Reward Points for every $1 spent on purchases - Receive 10,000 Bonus Reward Points1. Apply by 13 March 2012 - Redeem Reward Points for a wide selection of rewards including cash back, gift cards, shopping vouchers, and flights on any available seat, on any airline, at any time - Uncapped points earning - Competitive Total Annual Fee of $89 - Up to 44 days interest free credit on purchases
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed 0%* 3 months* 19.74%* $89.00* up to 44 days* Good*

[17] AMEX Gold Business Credit Card
More Info	- Earn 2 Membership Rewards points for every $1 spent up to $150,000 - reverting to 1 point for $1 thereafter (reset annually) - Free additional cards - Points are not capped and will not expire - 90-Days Money-Back satisfaction guarantee - 12 statements per year that meet ATO requirements for GST reporting - Up to 44 days interest free - $160 annual fee (Tax deductable)
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* 20.74%* $160.00* up to 44 days* Good*

[18] ANZ Rewards Platinum American Express Card
More Info	- 3 Reward Points for every $1 spent on purchases - Receive 20,000 Bonus Reward Points1. Apply by 13 March 2012 - 0% APR for 5 months - Uncapped points earning - Overseas Travel and Medical Insurance - ANZ Car Rental Cover - Competitive Total Annual Fee of only $149 - Up to 55 days interest free credit on purchases - Extended Warranty and 90-day Purchase Security Insurance
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed 0%* 5 months* 19.74%* $149.00* Up to 55 days* Good*

[19] ANZ Rewards Platinum Visa Credit Card
More Info	- 1.5 Reward Points for every $1 spent on purchases - Receive 20,000 Bonus Reward Points1. Apply by 13 March 2012 - 0% APR for 5 months - Uncapped points earning - Overseas Travel and Medical Insurance - ANZ Car Rental Cover - Competitive Total Annual Fee of only $149 - Up to 55 days interest free credit on purchases - Extended Warranty and 90-day Purchase Security Insurance
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed 0%* 5 months* 19.74%* $149.00* Up to 55 days* Good*

[20] ANZ Rewards American Express Credit Card
More Info	- 0% apr for 3 months - 2 Reward Points for every $1 spent on purchases - Receive 10,000 Bonus Reward Points1. Apply by 13 March 2012 - Redeem Reward Points for a wide selection of rewards including cash back, gift cards, shopping vouchers, and flights on any available seat, on any airline, at any time - Uncapped points earning - Competitive Total Annual Fee of $89 - Up to 44 days interest free credit on purchases
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed 0%* 3 months* 19.74%* $89.00* up to 44 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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