Bank of Queensland Low Rate Credit Card

	Key Features:
	1.9% p.a. on balance transfers for the first 6 months Low interest rate of 13.49% p.a. on purchases Low Annual Fee of $55 Cash Advance interest rate of 21.49% p.a. Up to 55 days interest free days on purchases Access to Internet Banking and EasyPhone Banking Your Low Rate Credit Card is available in different designs, water, ribbon, swirl and fish.

Terms & Conditions
Full product terms and conditions available at boq.com.au. Current BOQ Credit Cardholders and Home Loan Privilege Package account holders are not eligible to apply for this introductory offer. Fees and charges apply. Terms and conditions apply and are available upon request. Final approval of your application will be subject to satisfying Citigroup credit assessment criteria.

* Subject to your acceptance you will be billed at a later date an annual account fee which is currently $55 for the primary Low Rate Visa card. You will be charged $15 for each supplementary card. Allow up to 15 working days to process your Application subject to verification.

1. The promotional rate of 1.9% p.a. applies for six months on balances transferred with this offer. Transferred balances will be repaid first during this period. Outstanding transferred balances at the end of the promotional period will revert to the standard cash advance rate. To be eligible for the offer, you need to apply for the BOQ Low Rate Visa card and balance transfer by 15 April 2012. Approved new customers only. BOQ Credit Cardholders and Home Loan Privilege Package account holders are not eligible to apply for this introductory offer. Six month promotional period commences once balance transfer is processed. Any transactions made other than balance transfers in connection with this offer are at the standard variable credit card rates, currently 13.49% p.a. for retail purchases and 21.49% p.a. for cash advances. Interest rates are variable, subject to change and Citigroup's credit criteria. Quoted interest rates are current as at 15 January 2011.

2. The maximum 55 days interest free period applies when you pay your balance off in full for two consecutive months. If you carry a balance on your credit card from month to month the 55 days interest-free period does not apply and you are charged interest once you make a purchase. There is no interest free period for cash advance or balance transfer.

Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian Credit Licence No. 238098 (Citigroup) is the credit provider and issuer of Bank of Queensland Credit Cards (Credit Cards). Bank of Queensland Limited ABN 32 009 656 740 (BOQ) distributes the Credit Cards under an agreement with Citigroup. BOQ does not and will not guarantee or otherwise support Citigroup's obligations under the contracts or agreements connected with the Credit Cards. The words "we", "us" or "our" will generally read as a reference to Citigroup, but if the context requires these words to refer to BOQ, they will refer to BOQ undertaking relevant actions or making relevant decisions for or on behalf of Citigroup.