Credit Cards. Credit Cards. boq.com.au

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1 Credit Cards Credit Cards boq.com.au Citigroup Pty Limited ABN , AFSL 38098, Australian Credit Licence No (Citigroup) is the credit provider and issuer of BOQ Credit Cards (Credit Cards). Bank of Queensland Limited ABN (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 the BOQ, they will refer to BOQ undertaking relevant actions or making relevant decisions for or on behalf of Citigroup. Fees and charges are payable. Citigroup s standard credit assessment criteria apply. Terms and conditions apply and are available at any Bank of Queensland branch. All information contained in this brochure is current as at 1 July 01. BOQ010 07/1 CIT036

2 Apply today Enjoy the benefits of a BOQ credit card. At BOQ we re ready to help, and can take your application over the counter right now. If you prefer, you can also take an application form and either fax or mail it to us. You can also apply online at boq.com.au Contents About BOQ credit cards 3 Platinum Visa card 4 Blue Visa card 5 Low Rate Visa card 6 Q Rewards program 7 Get more from your card 8 Card protection 8 1

3 BOQ credit cards are all about convenience, flexibility and security in managing your money from day to day. Your credit cards also need to be able to meet your changing needs and suit your lifestyle. That s why we offer a range of credit cards, each with its own features and benefits. Perhaps you re looking for a low rate card for everyday spending, such as the Low Rate Visa card. Or maybe it s the privileges such as the Concierge Service with the Platinum Visa card that appeals to you. Whatever your needs, you ll find the right card at BOQ. All BOQ credit cards offer convenient and secure access both in Australia and internationally. In this brochure, you will find all the information on how a BOQ credit card can make your life so much easier. Access type Available on all BOQ credit cards BOQ s range of credit cards include: Platinum Visa card. Take advantage of the premium lifestyle experiences and privileges with Platinum. Blue Visa card. Earn rewards and enjoy a competitive annual fee. Low Rate Visa card. Ideal if you re looking for a low interest rate alternative to a rewards card. Features and benefits Platinum Visa card Blue Visa card Low Rate Visa card Interest free days on Up to 55 Up to 44 Up to 55 retail purchases Complimentary rewards program points per $1 1 point per $1 Not available with Q Rewards points that never expire 1 Additional cards Up to four free $15 per card $15 per card Complimentary Purchase Platinum cover Blue cover n/a Cover Insurance Complimentary Guaranteed Yes Yes n/a Pricing Scheme Complimentary International Platinum cover n/a n/a Travel Insurance Complimentary Interstate Yes n/a n/a Travel Inconvenience Insurance Complimentary Transit Yes n/a n/a Accident Insurance Complimentary Extended Yes n/a n/a Warranty Insurance Platinum Personalised Rewards Yes n/a n/a and Concierge Service 1 Credit limits $6,000 $30,000 $,000 $10,000 $,000 $0,000 Visa acceptance Use your card wherever Visa is accepted worldwide ATM and EFTPOS Access your credit card through rediatms and EFTPOS Linked accounts Access your linked BOQ accounts via ATMs worldwide Internet Banking Available 4 hours a day, 7 days a week at boq.com.au* EasyPhone Banking Available 4 hours a day, 7 days a week on Branch access At any BOQ branch in Australia BPAY Pay bills with BPAY facility Easi-Pay Automatic repayments with Easi-Pay Visa paywave Simpler and smarter way to pay for purchases under $100 Lost or stolen cards Free replacement for lost or stolen cards and 4/7 lost and stolen reporting 1 Redemption of rewards is subject to the Terms and Conditions of the Q Rewards program. Complimentary insurance is provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN , AFSL No and Citigroup, and is subject to the Terms and Conditions and exclusions available at boq.com.au. An excess applies to Purchase Cover Insurance. *Subject to scheduled maintenance and downtime, and service disruptions for malfunction. 73

4 Platinum Visa card A BOQ Platinum Visa card offers the premium lifestyle experiences and privileges of Platinum. Blue Visa card A BOQ Blue Visa card gives you great value and rewards. This premium card offers Platinum Personalised Rewards and Q Rewards points per dollar. Plus, enjoy 4 hour personal Concierge Service, higher credit limits and a range of additional protection benefits. Platinum Personalised Rewards and Q Rewards program 1 Earn Q Rewards points for every $1 spent, up to 40,000 points per year. Plus your points will never expire. Spend them on whatever you want from school fees to an island getaway or a special gift with the exclusive Platinum Personalised Rewards program. International Travel Insurance, Interstate Flight Inconvenience and Transit Accident Insurance You and, in most cases, your family, are automatically covered when you purchase your travel tickets with your Platinum Visa card. You are covered for unexpected travel cancellations, unlimited medical expenses, personal liability and loss and damage to personal items for up to six months for return tickets and 31 days for one-way tickets. Guaranteed Pricing Scheme Receive a refund of the price difference when you purchase in store an eligible item which later goes on sale. Conditions apply. Priority 4-hour customer service on a dedicated Platinum Visa card enquiries line You can call us on anytime. Up to 55 days interest free on retail purchases Higher levels of Purchase Cover Insurance You will be covered for any items lost, stolen or damaged anywhere in the world within 90 days of purchase on your Platinum Visa card. Conditions apply. Extended Warranty Insurance Additional warranty, up to 1 months, on Platinum Visa card purchases for most personal items with a manufacturer s warranty of five years or less. Up to four additional cards free Card acceptance worldwide wherever Visa is accepted Access your Platinum Visa card where and when it suits you. You can find the full list of our convenient and secure access options in the front of this brochure. Enjoy everyday rewards and added benefits including: Q Rewards program 1 Earn 1 Q Rewards point for every $1 spent, up to 65,000 points per year. Plus your points will never expire. Guaranteed Pricing Scheme Receive a refund of the price difference when you purchase in store an eligible item which later goes on sale. Conditions apply. Purchase Cover Insurance You will be covered for any items lost, stolen or damaged anywhere in the world within 90 days of purchase on your Blue Visa card. Conditions apply. Low annual card fee Up to 44 days interest free on retail purchases Card acceptance worldwide wherever Visa is accepted Access your Blue Visa card where and when it suits you. You can find the full list of our convenient and secure access options in the front of this brochure. 1 Redemption of rewards is subject to the Terms and Conditions of the Q Rewards program. Complimentary insurance is provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN , AFSL No and Citigroup, and is subject to the Terms and Conditions and exclusions available at boq.com.au. An excess applies to Purchase Cover Insurance. 1 Redemption of rewards is subject to the Terms and Conditions of the Q Rewards program. Complimentary insurance is provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN , AFSL No and Citigroup, and is subject to the Terms and Conditions and exclusions available at boq.com.au. An excess applies to Purchase Cover Insurance. 4 5

5 Low Rate Visa card A BOQ Low Rate Visa card is a great option if you re looking for an alternative to a rewards card with a low interest rate. Q Rewards program When you apply for a credit card (excluding Low Rate Visa card), you re automatically enrolled in the Q Rewards program. Q Rewards is a flexible rewards program that offers a range of exciting lifestyle and shopping opportunities. What s more, unlike some other reward programs, it s free. 1 Q Rewards points are earned at the following rates: Platinum Visa card points per $1 spent Blue Visa card 1 point per $1 spent Tracking and redeeming your points is convenient and easy. You can quickly access your Q Rewards points balance over the phone or online and a summary is also provided in your monthly statement. With a Low Rate Visa card, enjoy: Up to 55 days interest free on retail purchases A low annual fee A low variable interest rate on retail purchases Card acceptance worldwide wherever Visa is accepted Access your Low Rate Visa card where and when it suits you. You can find the full list of our convenient and secure access options in the front of this brochure. Rewards can be redeemed just as easily with phone or online access. You can redeem your points the next business day after the transaction is processed, so you can enjoy rewards almost as soon as you earn them. Our Fast Track service allows even greater reward access by allowing you to use cash or your credit card to make up the difference on a rewards purchase that is beyond your points balance. Q Rewards also offers shopping vouchers that are redeemable at outlets such as Myer, David Jones, Dymocks, Bunnings, Target, Kmart, Coles and Accor Hotels. And remember, because enrolment is automatic and free, you start earning points on your BOQ credit card straight away! Take Flight Travel Service 1 Enjoy the flexibility of using your Q Rewards points or a combination of points plus pay to book a range of travel options, including flights on any airline, accommodation, cruises, travel packages and more. We also offer a dedicated Take Flight Travel call centre where our expert consultants will assist you with all your travel needs. You can call Take Flight Travel Service call centre on weekdays between 9am to 7pm. For more information visit 1 Redemption of Rewards and the Take Flight Service are subject to the Terms and Conditions of the BOQ Q Rewards program. For full terms and conditions of the Q Rewards program, please refer to your Q Rewards Terms and Conditions. If you need a copy, visit qrewards.com.au or call Take Flight Travel Service call centre is operated by Pinpoint Travel Group Pty Ltd, Licence No. TA Travel booked via the call centre must be paid in full using the customer s BOQ credit card, with a cashback processed to the value of points redeemed. Cashback on customer account may take up to 14 days. Redemption via the Take Flight Travel Service call centre is available only to customers enrolled in the Q Rewards program and is not available to cardholders who enrol in airline frequent flyer direct earn rewards programs. Points plus pay payments will be charged to the Primary Cardholder s credit card. 7

6 8 Get more from your card When you hold a BOQ credit card, you can enjoy access to other special privileges. Special personalised offers. You ll enjoy access to special promotions and offers, tailored to your needs. To find out more visit any BOQ branch, go online at boq.com.au or call us. Convenience of paywave. You can now use your new BOQ credit card with Visa paywave for purchases under $100 at participating merchants to make payment faster and easier. All you need to do is hold your card against the Visa paywave reader, wait for the approval and you re good to go. Card protection Your BOQ card offers a range of protection benefits for your security and peace of mind. Pen or PIN? Choose whether you wish to sign or enter your four-digit PIN as proof of identity when making over-the-counter transactions at selected merchants. A PIN is designed to make things quicker at the counter and will generally result in a faster transaction process. Secure chip technology Your BOQ credit card includes secure chip technology for added protection. The embedded microchip stores your card s data and is designed to make your transactions more secure by minimising fraud. Fraudshield Your BOQ credit card comes with enhanced fraud protection something that s never been more important. Fraudshield monitors your credit card and informs you immediately of any irregular spending, which is often a sign of fraudulent use. Optional Credit Card insurance 1 With credit card insurance you can rest assured knowing that your credit card repayments are covered if the unexpected were to happen to you. There s nothing holding you back when you have a plan in place to help protect you and your family s financial security in the event of serious illness, accidental injury or the loss of your job. For more information on credit card insurance call (or for Platinum card customers). Card replacement guarantee VISA guarantee 4-hour emergency replacement of lost and stolen cards anywhere within Australia. Outside Australia, VISA guarantee replacement of a lost or stolen card almost anywhere in the world within 48 hours. 1 The distributor of the optional insurance is Citigroup Pty Limited ABN , AFSL No , Australian Credit Licence No This material contains general advice only and does not take into account your individual objectives, financial situation or needs, and you should consider whether it is appropriate for you. Please obtain and read the relevant Product Disclosure Statement to decide if a policy is right for you. 9