VISA®

[1] 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*

[2] 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*

[3] 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*

[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] 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*

[6] 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*

[7] 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*

[8] 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*

[9] 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*

[10] 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*

[11] 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*

[12] 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*

[13] 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*

[14] 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*

[15] BOQ Platinum Credit Card
More Info	- Q Rewards program - 2 Q Rewards Points for every $1 spent - Concierge service - International travel insurance* - Higher levels of Purchase Cover Insurance* - Extended warranty on purchases made - Priority 24-hour customer service - $1,000 daily cash advance limit through ATMs - Free Additional Card
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* 20.74%* $199.00* 55 days* Good*

[16] 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*

[17] 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*

[18] 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*

[19] BOQ Gold Credit Card
More Info	- Q Rewards® program - Earn 1.75 Q Rewards Points for every $1 spent - Q Rewards points never expire - International travel insurance* - Purchase Cover Insurance* - Priority 24-hour customer service on a dedicated Gold Visa card enquiries line - $1,000 daily cash advance limit through ATMs - Free additional cards
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* 20.74%* $120.00* 55 days* Good*

[20] 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*

* 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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