Woolworths Qantas Credit Card

The Woolworths Qantas credit card is one of the best frequent flyer cards going around. You can earn 1 point for every $1 spent on most purchases for a low annual fee of $89. Especially good for people that shop at Woolworths or partner stores. This MasterCard competes directly against much higher annual fee rewards cards. Note: You must earn a minimum income of $50,000 to be eligible.

	Key Features for the Woolworths Qantas Credit Card
	16,000 Bonus Qantas Frequent Flyer Points 5.99% p.a. for 6 months on balance transfers Purchase rate of 19.99% p.a. and Cash advance rate of 20.99% p.a. Up to 55 interest free days on purchases Annual fee of $89 with free additional cardholder 24/7 Concierge Service is available Earn 1 reward point per $1 spent on most purchases

	Credit Card Application Criteria
	You must be at least 18 years of age You must have a Good Credit History You must be a Permanent Resident or Australian Citizen You must earn a Minimum Income of $50,000 p.a.

Terms and Conditions
The Woolworths Everyday Rewards Qantas credit card is issued by HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence 232595 ("HSBC"). HSBC is the credit provider and a registered person under the National Consumer Credit Protection Act 2009. HSBC lending criteria applies. Fees, Charges and Interest Rates apply and are current as at 1 March 2012 and are subject to change. $89 annual fee applies. Terms and conditions apply and are available at everydayrewards.com.au. You (and any additional cardholder) must be or will need to become a member of the Everyday Rewards and Qantas Frequent Flyer programs and link your memberships to obtain this credit card and earn points. Each program's terms and conditions apply. Visit everydayrewards.com.au and qantas.com/frequentflyer for details. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. PayPass is the trademark of MasterCard International Incorporated.
1. 16,000 Qantas Frequent Flyer points offer is available to new primary cardholders who apply between 6 March and 31 May 2012, are approved and make an eligible purchase on their Woolworths Everyday Rewards Qantas credit card by 31 July 2012. Offer is not available to existing Woolworths Everyday Money credit cardholders who request to transfer to this product. Allow up to 8 weeks after the eligible purchase is made for the points to appear on your credit card statement, at which time your credit card account must be current and not in arrears. Eligible purchases exclude interest free promotions, balance transfers, business expenses and cash advances.
2. Qantas Frequent Flyer points are earned through the use of the credit card on eligible purchases in accordance with the Woolworths Everyday Rewards Qantas credit card Conditions of Use available at everydayrewards.com.au No points are earned on business expenses, interest free promotions, balance transfers and cash advances.
3. Offer applies to Woolworths Supermarkets and BWS stores (excluding Tasmania), BIG W stores, Dick Smith stores (excluding reseller stores) and Cellarmasters. Earn 1 point per $1 spent in one transaction at Cellarmasters. Earn 1 point per $1 spent over $30* in one transaction at Woolworths Supermarkets and BWS stores (excluding Tasmania) and BIG W stores. Earn 1 point per $1 spent over $50* in one transaction at Dick Smith stores (excluding reseller stores). You must be an Everyday Rewards member and Qantas Frequent Flyer member and link your memberships to earn points. You must present and scan your Everyday Rewards barcode (on the back of your card) at the time of purchase to earn points (you cannot earn points by presenting your Qantas Frequent Flyer card) and spend at least the qualifying amount in one transaction. Other terms and conditions apply, see everydayrewards.com.au for details. *Offer excludes selected purchases including smoking/tobacco product purchases, gifts cards, BIG W Vision, DVD Kiosk purchases, freight charges, selected services and selected online purchases including BIG W Photo and BIG W Movie Rental.
4. In addition to ordinary points, we allocate one bonus point for each whole AUD 1.00 of total value of spend (rounded up or down to the nearest whole dollar value) using your credit card on: (a) Qantas passenger flights with a QF flight number purchased on the Qantas merchant account i.e. directly with Qantas or some travel agents: or (b) Qantas Club or Qantas Frequent Flyer membership joining or annual fees. Excludes purchases from Qantas Freight, Qantas Holidays, Qantas Business Travel, Jetset Travelworld or the Jetstar Group of companies and purchases of Qantas branded products supplied by third parties. We may from time to time vary the Qantas products and services that are eligible to earn bonus points.
5. The interest free days apply to purchases appearing on a statement only if the closing balance of the statement and the closing balance of the previous statement are paid by the statement due dates. The closing balance includes any cash advance or balance transfer amounts. To gain the benefit of the 55 days you must pay the total outstanding balance in full (including any balance transfer or other promotion amounts). There is no interest free period for cash advances or balance transfers.