IMB Rewards Credit Card - Apply Online

	Key Features:
	2.9% p.a. for 9 months on balance transfers* Earn 1 Reward Point for every $1 spent on your card† Points do not expire while account is open. Superior Rewards Program at no additional cost† Redeem reward points for shopping vouchers, merchandise, hotel stays, petrol vouchers and much more. Generous Credit LimitsΛ Up to $25,000 Up to 55 days interest free on purchases Annual Fee of $99 Up to 4 free additional cards. Free International Travel Insurance# Free Purchase Cover# Apply Online

Terms and Conditions apply. Fees and charges apply and are available upon request. Final approval of your MasterCard application will be subject to satisfying Card Services credit criteria.
* The promotional annual percentage rate of 2.9% p.a. applies only to balances transferred with this offer for a period of 9 months. Balance transfers cannot be used to pay off any other product with this Building Society. 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 applicable interest rate, which may be variable and subject to change. The standard Gold card rate is currently 19.24% p.a. which is variable, subject to change and Card Services Credit Criteria. Interest rates last updated 01/06/2010. The prevailing applicable interest rate will apply upon the expiry of the promotional period. Offer is not available to existing MasterCard cardholders of this Building Society or holders of Credit Cards issued by Citigroup. Card Services may check employment details/income with your employer or accountant named on your application. Upon approval of your Credit Card we will notify you of how to meet the identification procedure as required by law.
^ Actual credit limit will be assigned based on Card Services credit criteria.
† All Rewards are subject to the Terms and Conditions of the Card Services Rewards Program. Reward points are not earned on Cash Advances, Special Promotions or Balance Transfers.
# International Travel Insurance and Purchase Cover are underwritten by Zurich Australian Insurance (ABN 13 000 296 640 AFSL No. 232507) and are subject to the Terms and Conditions and exclusions contained in the Policy of Insurance.
Gold MasterCard with Card Services Rewards available online, Gold MasterCard with Card Services Qantas Rewards can be requested on card activation or after approval of new card by contacting Card Services on 1300 135 538.
© 2009 Card Services is a division of Citigroup Pty Limited ABN 88 004 325 080 AFSL 238 098 which provides and administers credit on behalf of IMB Ltd. ABN 92 087 651 974.