NEW CREDIT CARD OFFERS

HSBC Platinum Qantas Credit Card

• 20,000 bonus 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)

Other selling points:

• 2 Qantas Frequent Flyer points for every $1 spent on eligible purchases overseas (including international online retailers)
• 1 Qantas Frequent Flyer point for every $1 spent on eligible purchases in Australia
• 2 Complimentary invitations to the Qantas Club lounge every year
• Complimentary membership to the Qantas Frequent Flyer Program (valued at $82.50) if you aren’t already a member.
• Comprehensive insurance package including International Travel Insurance, Extended Warranty insurance and Purchase Protection Insurance
• Up to 55 days interest-free on purchases (when you pay the full balance by the due date each month).
• Priority 24-hour customer service
• Visa Platinum Concierge and Airport Service

Disclaimers
General
Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 ACL No. 232595. Offer available to new, approved HSBC credit card holders who apply by 31/03/2012. HSBC cardholders who have previously cancelled the same card type as the new card they are applying for may not be entitled to any promotional offers. Fees and charges and HSBC’s lending criteria apply. Terms and conditions apply and are available on request. Interest rates can be found at hsbc.com.au and are current as at 23/01/12 and are subject to change. HSBC is the credit provider and a registered person under the National Consumer Protection Act 2009. Qantas receives payment from HSBC for points issued for use of this credit card.

-Low annual fee – currently just $55
-Special balance transfer rate available until 29 February 20121

Slim your credit card waistline with these great offers

Offer:
0%p.a. Balance Transfer for 6 months1 from non-HSBC credit and store cards (with a 2% handling fee)

HSBC Credit Card Features

• 0%p.a. balance transfer for 6 months1 from non-HSBC credit and store cards (with a 2% handling fee).
• No annual fee for the life of the card2.
• Winner of Money Magazine’s 2010 and 2011 ‘Best Transactor Credit Card’.
• Up to 55 days interest-free on purchases3 (when you pay the full balance by the due date each month).
• Special privileges at over 19,000 retailers in more than 160 countries and territories with the home&Away Privilege Program.
• Free additional cardholders.
• Interest free purchases of up to 5 years at over 1,000 participating retailers4 across Australia.

Disclaimer:
Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 ACL 232595. Offer available to new, approved HSBC credit card holders who apply by 31/03/2012. Fees, charges, terms & conditions apply. Visit hsbc.com.au or call 1300 734 079. HSBC’s lending criteria apply. HSBC Credit Card account holders who have previously cancelled their card may be ineligible for this promotional offer.
1To be eligible for the introductory balance transfer rate, the balance transfer request must be made at the time of applying for the new HSBC credit card, or within 1 month of receiving the new card. The interest rate on the balance transfer applies for six months and is limited to the first balance transfer request per account from other store cards or non-HSBC credit cards. After this period, any balance outstanding from the balance transfer will accrue interest at the interest rate for cash advances. HSBC may allocate payments we receive from you to pay the total amount owing in any order we see fit, including applying any or all payments made to your HSBC credit card account, to reduce the balance(s) transferred first and then any subsequent purchases. Please allow up to 3 statement periods from the end of this promotion for the balance transfer fee to appear on your statement. Offer not available to current or previous HSBC credit card holders.
2The $0 annual fee applies to the standard HSBC Credit Card only and only applies while you remain an HSBC Credit Card customer.
3Subject to acceptance, the $0 annual fee applies to the first year. You will be billed an annual fee which is currently $129 for the primary Platinum credit card on the first anniversary.
4Bonus 20,000 points offer is available to HSBC Platinum Credit Card holders who make an eligible purchase within 3 months of applying for their card. Points will ordinarily be credited within 2 months of making an eligible purchase.

• Higher credit limits – starting from $5,000
• A low Gold card rate of 14.25% p.a for purchases and cash advances*
• Up to 55 interest free days on purchases*
• $79 annual fee
• Complimentary Shopping and Travel Insurances** including:
• Overseas Travel
• Transit Accident
• Extended Warranty
• Purchase Cover
• Up to 3 free 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
• Instant discounts and added extras with St.George Instant Benefits

ANZ Platinum – $0 Annual Fee for the first year1
ANZ Platinum is packed full of travel features, plus the privilege of platinum benefits at $0 Annual Fee for the first year1.
Key Product Features:

• 0% p.a. on purchases and balances transferred for the first 6 months. Apply by 13 March 2012
• $0 Annual Fee1 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 free2 credit on purchases
• Standard interest rate of 19.24%3 p.a. on purchases

Discounted Flexible Payment Options:
Plan and pay for your travel in a way that suits you. For purchases such as airfares, hotels or travel agents costing over $500 in a single transaction, you can choose one of two flexible options9. Either:

• Discounted interest rate of 9.99% p.a. on purchases for six months9; or
• Make repayments in set monthly instalments over 6, 12 or 18 months at the discounted rate of 9.99% p.a.9

Platinum Concierge
ANZ’s Platinum Concierge10 service is like having your very own 24/7 personal travel assistant. You can call at any time, from anywhere11 in the world and they can help plan one-of-a-kind experiences including:

• Locating, purchasing and delivering tickets for theatre shows, concerts and sporting events worldwide
• Arranging hotel and restaurant referrals and reservations
• Making car rental, limousine and car service referrals and reservations
• Even helping you re-schedule if your plans are altered or your fights are delayed or disrupted

You also get:

• Overseas Travel and Medical Insurance4 at no additional cost
• ANZ Car Rental Cover5
• Domestic Interstate Flight Inconvenience Insurance6
• 90 day Purchase Security7
• Extended Warranty7 on major personal and household purchases
• Best Price Guarantee8 on personal goods purchased in Australia

• Flexibility to add up to 9 additional card holders to your account

Apply online for an ANZ Platinum credit card. You don’t need to be an ANZ customer to apply.
Terms and Conditions available up on application. Fees & charges apply.All applications for credit are subject to ANZ’s credit assessment criteria.
1. The ANZ Platinum Annual Account Fee ("Annual Fee") will be waived in the first year. In following years, if you make Eligible Purchases of $20,000 or more annually using your ANZ Platinum account your next Annual Fee will be waived. Eligible Purchases must be made in the year prior to your next Fee Date. Your Fee Date is the date that your account is assessed for charging an Annual Fee. If your account has not previously been charged an Annual Fee then for the purpose of determining your eligibility for the waiver, your Fee Date is the first date that your account is assessed for charging an Annual Fee. Eligible Purchases includes purchases made using your account, but excludes Balance Transfers, cash advances, interest, fees, transactions reversed and purchase refunds. If you do not make at least $20,000 of Eligible Purchases in the year prior to your Fee Date the Annual Fee will be charged to your account. If you are a member of the Sphere Rewards Program your Rewards Program Services Fee will continue to apply regardless of your annual Eligible Purchases spend.
2. Interest free days do not apply if you do not pay your Closing Balance (which includes any outstanding balance transfers, cash advances, purchases and Promotional Plans) in full by the due date each month. Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use.
3. Standard variable interest rate is 19.24% p.a. on purchases and 20.99% p.a. on cash advances as at Monday, 2 May 2011 and is subject to change.
4. Overseas Travel and Medical Insurance is underwritten by Chartis Australia Insurance Limited ABN 93 004 727 753, AFSL Licence No. 381686 (Chartis). Terms and conditions apply. To be eligible for Platinum Overseas Travel and Medical Insurance, you must be a permanent resident of Australia, pay at least $250 worth of your overseas travel arrangements using your Platinum card account prior to departing Australia, have a return ticket to Australia within 6 months of departure and be 80 years of age or under. Please refer to the Platinum Cards Insurance booklet (PDF 1.06MB).
5. ANZ Car Rental Cover is underwritten by QBE Insurance (Australia) Limited ABN 78 003 191 035. Terms and conditions apply. Please refer to the Platinum Cards Insurance booklet (PDF 1.06MB).
6. Interstate Flight Inconvenience Insurance is underwritten by Zurich Australian Insurance Limited ABN 13 000 296 640. Terms and conditions apply. For more information refer to the Platinum Cards Insurance booklet (PDF 1.06MB).
7. Extended Warranty and 90-day Purchase Security Insurance are underwritten by Zurich Australian Insurance Limited ABN 13 000 296 640. Full policy information is provided in the Platinum Cards Insurance booklet (PDF 1.06MB) or can be obtained at anz.com or by calling 13 22 73.
8. Best Price Guarantee Scheme is underwritten by Zurich Australian Insurance Limited ABN 13 000 296 640. Terms and conditions apply. For more information refer to the Platinum Cards Insurance booklet (PDF 1.06MB).
9. Flexible payment options are available when a travel related purchase costing more than $500 in a single transaction is made on your ANZ Platinum card from an eligible merchant (Qualifying Transaction). An Eligible Merchant is any travel agent, online travel booking sites, airline or hotel, or any merchant ANZ advises as being an Eligible Merchant for the purposes of determining whether flexible payment offers are available. Purchases exclude cash and cash equivalent transactions. To apply to transfer a Qualifying Transaction to a flexible payment option call 13 22 73 after the transaction has posted to your account. This is usually 48 hours from the date you made the Qualifying Transaction. Your application must be made within 30 days of the date you made the Qualifying Transaction. Approval is subject to your accounts being in good order. Total purchases including the Qualifying Transaction cannot exceed your credit limit. ANZ reserves the right to add, change or withdraw flexible payment options at any time without prior notice. ANZ will not be liable to any loss or damage resulting from a delay in the process of receiving and/or approving applications. Your flexible payment option may be cancelled if you are in default or if you transfer to another ANZ credit card account. Any interest accrued between the date of the purchase and the date the amount is transferred to the flexible payment option will be at the standard variable interest rate applicable to purchases on your card account, subject to any available interest free days credit on the card account. Payments will be applied to your account as detailed in your ANZ Credit Cards Conditions of Use. A Qualifying Transaction can only be transferred to a flexible payment option once.
Instalment Plan: Your Instalment Plan will apply for 6, 12 or 18 months (as applicable) from the next statement date following the date on which your transfer is approved and reverts to the standard variable rate for purchases on your card account after 6, 12 or 18 months (as applicable) from the date the request is processed by ANZ. The approved instalment amount will form part of your minimum monthly card account repayments until your Instalment Plan is paid in full or the Instalment Plan expires..
Discounted Interest Rate: Any part of the amount transferred to this option that remains unpaid after the 6 month offer period will be subject to the standard variable interest rate applicable to your card. Your standard variable interest rates will continue to apply to all other purchases, cash advances and cash equivalent transactions.
10. Terms and conditions apply. Please refer to the ANZ Emergency Travel Service & Platinum Concierge Terms and Conditions (PDF 132kB) for further information.
11. Temporary service interruptions may occur.
© Copyright Australia and New Zealand Banking Group Limited (ANZ), ANZ Centre Melbourne, 833 Collins Street, Docklands, Victoria 3008, ABN 11 005 357 522, 1996-2011. ANZ’s colour blue is a trade mark of ANZ.

ANZ Frequent Flyer Platinum Offer: Receive 20,000 Bonus Qantas Frequent Flyer points. Apply by 13 March 2012

Product Features:

oOverseas Travel and Medical Insurance3
oUp to 55 days interest free credit on purchases6
oInterest rate of 19.74% p.a. on purchases and 20.99% p.a. on cash advances*
oComplimentary Qantas Frequent Flyer membership8

How do I earn points?
The ANZ Frequent Flyer Platinum credit card account gives you two cards on one account:
•
Use your ANZ Frequent Flyer American Express® Platinum card whenever you can to pay for purchases like groceries, petrol and movies to earn the most points possible.
•
Use your ANZ Frequent Flyer Visa Platinum card everywhere else – accepted in 29 million locations worldwide.

Additional Platinum extras:
oExtended Warranty on purchases: when you make an entire purchase of goods on your ANZ Frequent Flyer Platinum credit card account this offer doubles the manufacturer’s expressed Australian warranty (by up to 12 months)5.
o90-day Purchase Security Insurance5 – Insurance against loss, theft or breakage over a range of new personal items when the purchase is charged to your ANZ Frequent Flyer Platinum credit card.

Apply online for an ANZ Frequent Flyer Platinum credit card account. You don’t need to be an ANZ customer to apply for an ANZ Frequent Flyer credit card account.

Terms and conditions available upon application. Fees and charges apply. All applications for credit are subject to ANZ’s credit assessment criteria.
3. From 1 March 2011, Overseas Travel and Medical Insurance is underwritten by Chartis Australia Insurance Limited ABN 93 004 727 753, AFSL Licence No. 381686 (Chartis). Terms and conditions apply. To be eligible for Platinum Overseas Travel and Medical Insurance, you must be a permanent resident of Australia, pay at least $250 worth of your overseas travel arrangements using your Platinum card account prior to departing Australia, have a return ticket to Australia within 6 months of departure and be 80 years of age or under. Please refer to the Platinum Card Insurance Policy Information Booklet (PDF 1.06MB) for terms and conditions.

4. Interest free days do not apply if you do not pay your Closing Balance (which includes any outstanding balance transfers, cash advances, purchases and Promotional Plans) in full by the due date each month. Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use.

5. Extended Warranty and 90-day Purchase Security Insurance are underwritten by Zurich Australian Insurance Limited. Terms and conditions apply. For more information please call 13 1314.

6. This joining fee waiver is offered by ANZ. It is available to new applicants or existing ANZ Frequent Flyer credit card account holders who are not already Qantas Frequent Flyer members and who apply for membership online at qantas.com/joinffanz. This offer is non-transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas.
American Express is a registered trademark of American Express. The ANZ Rewards American Express card is issued by Australia and New Zealand Banking Group Limited (ANZ) pursuant to a license from American Express. © Australia and New Zealand Banking Group Limited (ANZ) 2011 ABN 11 005 357 522. ANZ’s colour blue is a trade mark of ANZ