Credit Card Interest Rates

Variable Credit Card Rates

^{Rates effective 7 April, 2011. Mastercards are issued by Card Services , a division of Citigroup Pty Limited ABN 88 004 325 080 AFSL No. 238 098 which provides and administers credit on behalf of IMB Ltd.}

^{^The promotional annual percentage rate of 9.9% p.a. for 12 months applies from the date of card approval and only to new purchases within this time.  Cash advances, balance transfers and special promotions made other than with this offer are charged at the standard Low Rate Mastercard interest rates shown above, which are variable and subject to change. At the end of the 12 month introductory period the interest rate will revert to the standard Low Rate Mastercard interest rates shown above. Offer of 9.9% p.a. for 2 months on purchases is not available to existing MasterCard cardholders of IMB or holders of Credit Cards issued by Citigroup.}

^{#The promotional annual percentage rate of 7.9% p.a. for 12 months on balance transfers applies only to the balance transferred with this offer. Balance transfers are repaid before purchases and cash advances (subject to any special promotion). Purchases, cash advances, balance transfers and special promotions made other than with this offer are charged at the standard Reward Mastercard interest rates shown above, which are variable and subject to change. At the end of the six months introductory period the interest rate will revert to the standard Low Rate MasterCard interest rates shown above. Balance Transfer offer is not available to existing MasterCard cardholders of IMB or holders of Credit Cards issued by Citigroup.}