Gold Low Rate Credit Card

Complimentary overseas travel insurance cover¹ 

Protect you and your family for trips up to 3 months when you pay for your return tickets prior to leaving Australia using your Gold Card. This includes covers as set out in the policy:

• Unlimited medical expenses cover
• Up to $10,000 per person for loss or damage to personal items as set out in the policy – up to $300 for loss or damaged travel documents
• Unlimited cover  for unexpected cancellation of travel arrangement caused by an event as set out in the policy. Limits apply for travel agent’s cancellation fees.
• Travel delay cover up to $375 per person for meal and accommodation cost after a 6 hour delay
• Up to $2,250 rental vehicle excess cover as set out in the policy
• Up to $2.5 million for personal legal liability cover.

Complimentary transit accident insurance cover¹ 

Up to $450,000 insurance in the event of accidental death or certain injury while travelling on a plane, train, bus or ferry outside Australia, when prior to taking the trip, you have purchased the tickets using your Gold Card as set out in the policy.

Complimentary purchase cover insurance¹

With most new personal items you purchased in Australia and overseas using your Gold Card you are covered against theft, loss or accidental damage for 3 months as set out in policy.

Complimentary extended warranty insurance¹ 

Up to 12 months automatic extension on the manufacturer’s expressed Australia warranty for new personal items purchased using your Gold Card as set out in the policy.

•  p.a.on purchases.
•  p.a.on cash advances.

• Up to 55 days interest free on purchases when you pay the closing balance of your statement in full by the due date.

• Currently $79.

• 3% of the amount of each foreign currency transaction (including, without limitation, ATM transactions) by use of a Visa Card or MasterCard issued on your credit card account.

• 2% of each cash amount (cash advance amount) withdrawn or advanced on, and all transfers (including, without limitation,  transfers by Internet Banking or Phone Banking), from your credit card account with a minimum of $2.50.

• $9.00 applied for each late or missed payment.

• $15.00 per card within Australia
• $52.50 per card outside of Australia
• $45.00 per Emergency/Urgent Replacement Card.

• $9.00 applied once per statement period if a transaction is made for an amount exceeding the available credit at the date the transaction is debited to your credit card account.

• $9 for each dishonoured payment under the automatic payment plan.

• $4.50 for requests via Phone Banking or Internet Banking
• $7.50 for all other requests.