The practical guide to your BusinessChoice credit card. Answers, tips and more to make BusinessChoice easier than ever

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "The practical guide to your BusinessChoice credit card. Answers, tips and more to make BusinessChoice easier than ever"

Transcription

1 The practical guide to your BusinessChoice credit card Answers, tips and more to make BusinessChoice easier than ever

2 To ensure you get the most out of your BusinessChoice credit card, we ve put together this booklet which answers some frequently asked BusinessChoice questions. Contents It s designed to make your card easier to manage, whether you re a Principal or an individual cardholder. Keep it handy as it also contains useful phone numbers to call if you ever need any help with your BusinessChoice account. How is my BusinessChoice account set up? 5 How does my credit limit work? 6 How do I manage my credit limit? 8 Who gets what statements? 9 How do I pay the account each month? 10 What fees apply to my card? 12 Frequently Asked Questions 13 Contact us 15 BusinessChoice Credit Cards were recognised by Canstar Cannex in February 2009 as offering superior value. BusinessChoice Everyday cards and Business Choice Rewards cards were both awarded 5 stars for the Transactor category customers who pay off their cards in full every month. BusinessChoice Everyday cards scored 5 stars and BusinessChoice Rewards cards scored 3 stars for the Revolver category customers who carry an outstanding balance month to month. 1 For BusinessChoice help, talk to our Cards Service Centre on

3 How is my BusinessChoice account set up? Your BusinessChoice credit card is not just a single business card. It s attached to an overall BusinessChoice Facility a master Billing Account to which all cardholders in your business are linked. The master Billing Account has an overall credit limit, which is split between individual cardholders by the Principal. Master Billing Account Credit Limit: $5000 Principal decides how this limit is split between cardholders Cardholder 1 Limit: $3000 Cardholder 2 Limit: $2000 5

4 How does my card credit limit work? Because your card (and every other card) is linked to the master Billing Account, your credit limit is affected by the Available Funds in the Billing Account. Each month at the end of the statement cycle, the closing debit balance of each card is swept up into the master Billing Account balance and each cardholder s balance returns to $0, unless a cardholder has a credit balance in their account (see page 11 for details). Master Billing Account (Limit: $5000) $ $1500 = $3500 outstanding balance Cardholder 1 (Credit Limit: $3000) Closing balance: $2000 The entire closing balance of each card is swept up into the master Billing Account balance Cardholder 2 (Credit Limit: $2000) Closing balance: $1500 If the outstanding balance of the Billing Account is paid in full by the Principal each month, all cardholders will have their full credit limit available to them. If the Billing Account outstanding balance is not paid in full, this will reduce the overall pool of Available Funds in the Billing Account, and in turn, each cardholder may not have their full credit limit available to them. The funds available at any particular time to a cardholder is the cardholder s credit limit minus their outstanding balance, or whatever is left as Available Funds in the master Billing Account, whichever is lower. Master Billing Account (Limit: $5000) $1000 paid off outstanding balance of $3500, leaving Available Funds of $2500 When the Billing Account is not paid in full, this can reduce the Available Funds for individual cardholders. Cardholder 1 (Limit: $3000) Available Funds: $2500 Cardholder 1 spends $2000 Available Funds: $500 Billing Account available funds: $2500 In turn, the spending of one cardholder can affect the other(s). Billing Account available funds: $500 Cardholder 2 (Limit: $2000) Available Funds: $2000 Cardholder 2 spends $0 Available Funds: $500 REMEMBER: Check your Available Funds regularly to ensure you have adequate funds to cover your card purchases.

5 How do I manage my credit limit? Tips for Principals in managing your credit limits: If you choose not to pay the full outstanding balance on the Billing Account each month, it s advisable to ensure there s adequate Available Funds in the Billing Account to cover your cardholders spending requirements. If the Available Funds in the Billing Account are low, remember to keep your cardholders updated on how their credit limits may be reduced accordingly. You can change your cardholder limits at any time, with a minimum card limit of $1,000. For credit limit adjustments, simply complete and return the relevant forms available at westpac.com.au under Increasing Your Credit Limit in the Business Cards section, contact your Relationship Manager or call Business Direct on Tips for Cardholders in managing your credit limit: Check your individual cardholder account regularly to see if your available credit has been reduced by the overall Available Funds in the master Billing Account as well as your recent purchases. Remember, it s important to check not just your Balance, but the Available column next to it. Who gets what statements? If you re a BusinessChoice Principal, you ll receive: A Facility Billing Account statement, which details the Billing Account payment due date, opening and closing balances, overall Available Funds, as well as the amounts swept from individual cards. A copy of all individual card statements under the Facility, detailing all transactions made by cardholders that month. If you re a BusinessChoice Rewards cardholder, you ll receive: A monthly statement for your card that details your transactions and, if you ve registered your valid Qantas Frequent Flyer number with Westpac, the number of Qantas Frequent Flyer points to be transferred to your Qantas Frequent Flyer membership account. If you re a BusinessChoice Everyday cardholder, you ll receive: A monthly statement for your card that details your transactions, if your Principal has requested this. REMEMBER: If you re eligible to receive BusinessChoice statements, you can also access them online once you re registered for Westpac Online Banking. 8 9

6 How do I pay the account each month? Who should pay what? The Principal(s) are responsible for paying the amount due on the Facility statement into the Billing Account by the payment due date each month. Principals can refer to the back of their Facility statement or check online for a choice of convenient payment methods. PLEASE NOTE: As an individual cardholder, you re not responsible for paying outstanding balances on your card. Individual cardholder statements provided online or via post are merely available to advise you of your transaction history and rewards earned if applicable. What happens if an individual cardholder does make a payment to their card? Any payments made to an individual cardholder account (instead of the master Billing Account) are credited to that individual card account, and do not go toward paying off any outstanding balances in the Billing Account. A Principal may request that any payments made to individual card accounts be moved up to the Billing Account simply by calling the Cards Service Centre on What if a card account has a credit balance? If an individual card account is in credit at the close of the statement cycle, the credit balance will not be swept up to the Billing Account. Even if there is a credit balance in a card account, the minimum payment detailed on the Facility statement will still need to be paid by the statement due date because the credit is not automatically swept up to the Billing Account. Please be aware that any additional funds paid into an individual card account will be reflected in the Available Funds in the master Billing Account and be available to other cardholders to draw on. A Principal can apply a credit balance to the Billing Account outstanding balance simply by calling our Cards Service Centre and requesting a transfer. Can I pay my Billing Account automatically? As a Principal, you can use Card Autopay to automatically pay a set amount, minimum payment or the full closing balance of the Billing Account each month from a nominated account. To arrange Card Autopay, simply complete a written application form available on westpac.com.au, at any branch, or by calling our Cards Service Centre on REMEMBER: Principals should make minimum monthly payments to the Billing Account, not to any individual card account. Any payments made to individual card accounts will not be transferred automatically to the Billing Account and could cause you to incur a missed payment fee (see page 12 for details)

7 What fees apply to my card? Frequently Asked Questions Overlimit fee This fee is charged each time an individual card account exceeds its credit limit within a statement cycle. If the overlimit card accounts cause the Billing Account to exceed its credit limit, an overlimit fee will also be charged to the Billing Account in every statement cycle while the Billing Account remains overlimit. To ensure you stay within specified credit limits, check the Available Funds of your card account via Online or Telephone Banking. Missed payment fee This fee is charged to the Billing Account if the minimum payment due on the Facility statement is not received by the payment due date. Here are a few tips to help Principals avoid missed payment fees: Allow a few days for payment to reach us if paying by post or electronically from another bank. Ensure you pay the minimum payment into the Billing Account, not the card account. Consider using Card Autopay (see page 11). Cash advances and fund transfers Unless a Principal has placed a cash advance or fund transfer restriction on a card, the following transactions are available: If you have a valid PIN, your card can be used for cash withdrawals at any ATM or bank branch that accepts that card. Funds can be transferred from a card account via Online or Telephone Banking. Note that conditions and fees apply 2 and interest accrues from the date of the cash advance. Visit the Business Banking Credit Cards section at westpac.com.au for the latest information. Other fees Other fees may apply to your BusinessChoice Facility or card(s) from time to time. Please refer to the BusinessChoice Terms and Conditions for details. Why do I need to activate my card? To follow security guidelines and prevent card misuse, all new BusinessChoice Facilities need to be activated prior to use of any cards under the Facility. To do this, Principal(s) must call to identify themselves after receiving their cards to enable individual cardholders to use their cards. How do I take advantage of interest free days on my card? All BusinessChoice credit cards offer up to 45 interest free days on credit purchases for a statement period, provided the closing balance of the Billing Account for that statement period is paid in full by the payment due date. Interest free days do not apply to cash advances. Can I access cash with Online Banking? As a Principal registered for Online Banking, you can access cash via Online Banking using your own card or the Billing Account. Individual cardholders can also access cash if the Principal has authorised this function. How do I use the Internet reporting features on BusinessChoice? As a Principal registered for Online Banking, you can easily export all your BusinessChoice cardholder transaction histories into reporting software such as MYOB, simply by using the transaction tab. How do I get a new PIN? To obtain a new PIN, you can visit any branch and select a new number after identifying yourself, or call our Cards Service Centre on to have a new PIN mailed to you

8 How can I change my statement cycle date? As a Principal, you can request a change in your statement cycle date by calling our Cards Service Centre on How does a Principal apply for a new Facility credit limit and/or reallocate it to cardholders? To apply for a limit increase on your BusinessChoice Facility, Principals must complete and return a Limit Increase Request form, which can be found at westpac.com.au in the Business Cards section. Alternatively, you can contact your Relationship Manager or call Business Direct on How does a Principal apply for additional cardholders? To apply for additional cardholders, Principals must complete and return an Additional Cardholder Request form, which can be found at westpac.com.au in the Business Cards section. What if my company business name changes or the one of the Principals moves on? If the Principal(s) change or there is a change in your business structure, Westpac will reassess the provision of your Facility. For more details on what you need to do in the case of a change in Principal(s) and/or business structure, please call our Cards Service Centre. Is Third Party access possible? To protect your security, Westpac does not permit a third party such as an accountant to have managerial access to individual card accounts or the Billing Account on behalf of a Principal. Are there any control features on the cards? As a Principal, you can choose to restrict access to specific merchants at specific times or restrict cash access on individual cards. Simply call our Cards Service Centre on to find out more. Contact us if you need more assistance We re here to help you with your BusinessChoice cards and account, whenever you need us: Cards Service Centre Lost and Stolen Cards, calling from overseas Online Banking westpac.com.au Telephone Banking Face to Face Visit your local branch for assistance with your BusinessChoice cards in person. Got feedback? We re always open to suggestions that could help us assist our customers better in the future. That s why your feedback is important to us. If you have any complaints, compliments or any other comments in regards to a particular Westpac experience, we d like to know. You can either visit your local branch, phone us on or visit westpac.com.au For BusinessChoice help, talk to our Cards Service Centre on

9 Things you need to know: General advice in this brochure has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, consider its appropriateness. Consider our disclosure documents, which include Product Disclosure Statements (PDS) for some products. The PDS is relevant when deciding whether to acquire or hold a product. Information is current as at 9 April Fees and charges apply to Westpac credit cards. Full details of all terms and conditions are available on request. These may be varied, or new terms and conditions may be introduced in the future. For more information, call our Cards Service Centre on , drop in at a branch or visit westpac.com.au Westpac Banking Corporation is the issuer of the Telephone Banking and Online Banking services. 1. In awarding the star ratings Canstar Cannex considered Pricing and Features to be the key components in the card user s value equation. For more details see westpac.com.au 2. Cash withdrawals and funds transfers are subject to your available funds on the credit card and to the credit card account and the Billing Account being in good standing Westpac Banking Corporation ABN REE100 (04/09) WH0005

Welcome home. Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans.

Welcome home. Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans. Welcome home Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans. Smart move With the right advice from your mortgage broker and a smart, flexible home

More information

AND PERSONAL FINANCE. Credit cards Personal loans Overdrafts

AND PERSONAL FINANCE. Credit cards Personal loans Overdrafts CREDIT CARDS AND PERSONAL FINANCE. Credit cards Personal loans Overdrafts We all have different plans in life. Your personal finances, your way. At Bank of Melbourne, our commitment to you starts with

More information

Altitude Business Gold Visa Card. spend on your business, reward yourself. movers & shakers Proudly supported by Westpac

Altitude Business Gold Visa Card. spend on your business, reward yourself. movers & shakers Proudly supported by Westpac Altitude Business Gold Visa Card spend on your business, reward yourself movers & shakers Proudly supported by Westpac Welcome to a great way to earn rewards Now that your Altitude Business Gold Credit

More information

Getting the most from your Westpac Flexi Loan. Our most flexible personal loan. Corporate and Purchasing Cards Conditions of Use

Getting the most from your Westpac Flexi Loan. Our most flexible personal loan. Corporate and Purchasing Cards Conditions of Use Getting the most from your Westpac Flexi Loan. Our most flexible personal loan. 1 Contents Welcome to your Westpac Flexi Loan 3 A range of repayment options 8 How Flexi Loan works 10 Frequently Asked Questions

More information

HSBC Premier Debit Card User Guide. 13 N Bangkok, Thailand

HSBC Premier Debit Card User Guide. 13 N Bangkok, Thailand HSBC Premier Debit Card User Guide 13 N Bangkok, Thailand Congratulations on receiving the HSBC Premier Debit Card for access to your HSBC account. Enjoy the convenience of shopping online, over the phone

More information

Welcome to the convenience of a Bank of Melbourne. Visa Debit Card.

Welcome to the convenience of a Bank of Melbourne. Visa Debit Card. Welcome to the convenience of a Bank of Melbourne Visa Debit Card. Everyday Purchases Type of transaction ATM cash withdrawal In-store purchase In-store cash-out Bill payment How to access funds in Australia

More information

ANZ Balance Visa. Be rewarded for reducing your balance Includes ANZ Balance Visa Guide and Rewards Program Terms and Conditions

ANZ Balance Visa. Be rewarded for reducing your balance Includes ANZ Balance Visa Guide and Rewards Program Terms and Conditions ANZ Balance Visa Be rewarded for reducing your balance Includes ANZ Balance Visa Guide and Rewards Program Terms and Conditions Convenient Quick Start Guide Get started now. Simply follow the easy steps

More information

Essential Information. NAB Business Payments Card.

Essential Information. NAB Business Payments Card. Essential Information. NAB Business Payments Card. Contents Your NAB Business Payments Card Facility 3 How your card works 4 Your Facility Billing Account 4 Individual cards 5 Primary Cardholders 5 Other

More information

Altitude Business Credit Cards

Altitude Business Credit Cards Altitude Business Credit Cards Conditions of Use Effective 1 July 2014 Your Credit Card Contract includes this Conditions of Use brochure, the letter which advises your credit limit and the precontractual

More information

A QUESTION OF INTEREST. Personal and Business credit card interest explained

A QUESTION OF INTEREST. Personal and Business credit card interest explained A QUESTION OF INTEREST Personal and Business credit card interest explained CommBank credit cards offer a flexible and convenient way to manage expenses. The ability to buy now and pay later can be a great

More information

castles Proudly Supported by Westpac Premier Advantage Package

castles Proudly Supported by Westpac Premier Advantage Package castles Proudly Supported by Westpac Premier Advantage Package Thank you for considering Westpac. We aim to delight our customers and earn all of their business. That s why we created the Premier Advantage

More information

Get in touch. Personal banking support for your personal economy

Get in touch. Personal banking support for your personal economy Get in touch Visit HSBC s Premier Centre Call 1300 131 605 or +61 2 9005 8114 (overseas), Monday Friday, 8am 8pm (AEST) hsbcpremier.com.au Personal banking support for your personal economy Issued by HSBC

More information

WHICH IS FOR ME? HOME LOANS MADE EASY

WHICH IS FOR ME? HOME LOANS MADE EASY WHICH IS FOR ME? HOME LOANS MADE EASY About this booklet At ING DIRECT, we try to make finding the right home loan as easy as possible. That s what this booklet is all about. All our home loans are described

More information

anz@work Employee banking benefits to suit your life

anz@work Employee banking benefits to suit your life anz@work Employee banking benefits to suit your life Make the most of your employer s relationship At ANZ we value our key business relationships, like the one we share with your employer. Through this

More information

HSBC Visa Debit Card. Making the most of your card. HSBC Customer Service Centre. Go to hsbc.com.au/debit

HSBC Visa Debit Card. Making the most of your card. HSBC Customer Service Centre. Go to hsbc.com.au/debit HSBC Customer Service Centre Go to hsbc.com.au/debit Call 1300 308 008 from Australia +61 2 9005 8131 from Overseas 24 hours a day, 7 days a week ^Visa Zero Liability subject to investigation of unauthorised

More information

At-Call Savings Accounts

At-Call Savings Accounts At-Call Savings Accounts Part 1 - At-Call Savings Accounts Product Disclosure Statement (Corporations Act (Cth) 2001) comprises of the following documents Part 1 - Product Disclosure Statement for all

More information

Visa Platinum Credit Card... Platinum Service, Premium Rewards.

Visa Platinum Credit Card... Platinum Service, Premium Rewards. Visa Platinum Credit Card... Platinum Service, Premium Rewards. The red carpet treatment. Introducing our Visa Platinum Credit Card with Qantas Points 1. At Qantas Credit Union we know our Members like

More information

ANZ Credit Cards CONDITIONS OF USE 25.05.2015 CONSUMER CREDIT CARDS

ANZ Credit Cards CONDITIONS OF USE 25.05.2015 CONSUMER CREDIT CARDS ANZ Credit Cards CONDITIONS OF USE 25.05.2015 CONSUMER CREDIT CARDS Containing terms and conditions for: ANZ Consumer Credit Cards ANZ Internet Banking ANZ Phone Banking ANZ Mobile Banking BPAY ANZ Contacts

More information

Changes to your Bank of Queensland Credit Card

Changes to your Bank of Queensland Credit Card Changes to your Bank of Queensland Credit Card Contents Page Change of name 3 Interest Repayments 3 Fees and charges 4 Rewards 5 Additional benefits and protections 7 Account features and access 7 Additional

More information

Credit cards explained

Credit cards explained Credit cards explained What is a credit card? As its name suggests, a credit card lets you buy things on credit meaning that you don t need to have the money upfront to pay for your purchases. If large,

More information

Including ANZ Business One Rewards Options

Including ANZ Business One Rewards Options Introducing ANZ Business One Rewards Options Including ANZ Business One Rewards Options Program Terms and Conditions Welcome We re delighted you have chosen ANZ Business One Rewards Options, the business

More information

Westpac Business Debit MasterCard Application

Westpac Business Debit MasterCard Application Westpac Business Debit MasterCard Application Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 In order to apply for a Westpac Business Debit MasterCard, the following

More information

We ll help make buying your first home easier

We ll help make buying your first home easier First Home Buyers We ll help make buying your first home easier First Home Buyer Award recognised in 2008 by CANNEX. 02 Buying your first home doesn t have to be complicated. We ll take the hassle out

More information

ANZ Credit Cards CONDITIONS OF USE

ANZ Credit Cards CONDITIONS OF USE ANZ Credit Cards CONDITIONS OF USE EFFECTIVE 5 OCTOBER 2015 ANZ Credit Cards Conditions of Use These Conditions of Use (as amended from time to time) govern the use of your ANZ Visa card, ANZ Visa Gold

More information

ANZ Credit Cards CONDITIONS OF USE 20.07.2015 CONSUMER CREDIT CARDS

ANZ Credit Cards CONDITIONS OF USE 20.07.2015 CONSUMER CREDIT CARDS ANZ Credit Cards CONDITIONS OF USE 20.07.2015 CONSUMER CREDIT CARDS Containing terms and conditions for: ANZ Consumer Credit Cards ANZ Internet Banking ANZ Phone Banking ANZ Mobile Banking BPAY ANZ Contacts

More information

Switch your home loan... You ll be wrapped with $500 for switching!

Switch your home loan... You ll be wrapped with $500 for switching! Switch your home loan... You ll be wrapped with $500 for switching! Contents. Switch your home loan 03 Compare us to the banks and save! 04 Great interest rates 04 How to switch 07 We ve got your insurance

More information

Business Lending. Maximising your cash flow and financing your business needs

Business Lending. Maximising your cash flow and financing your business needs Business Lending Maximising your cash flow and financing your business needs You drive the business. We ll drive the service. Often there just isn t enough time to stop and think about how you could improve

More information

Combined Conditions of Use and Credit Guide

Combined Conditions of Use and Credit Guide Combined Conditions of Use and Credit Guide Effective as at 9 November 2014 Introduction Your Credit Card Contract includes this Conditions of Use brochure, the letter which advises both your credit limit

More information

POLICY MANUAL. Credit Card Policy (July 2015)

POLICY MANUAL. Credit Card Policy (July 2015) 1. POLICY This policy is to ensure effective controls, policies and procedures are in place with respect to the use of corporate credit cards. 2. PRINCIPLES Ensure transparency in Council s operations

More information

ANZ Bank New Zealand Limited ANZ17881

ANZ Bank New Zealand Limited ANZ17881 ANZ Credit Card Conditions of Use Effective 9 December 2015 This document sets out your ANZ Credit Card s terms and conditions In this document we ve explained the terms and conditions applying to your

More information

Conditions of Use for Westpac Debit. MasterCard and Westpac Airpoints Debit MasterCard.

Conditions of Use for Westpac Debit. MasterCard and Westpac Airpoints Debit MasterCard. Conditions of Use for Westpac Debit MasterCard and Westpac Airpoints Debit MasterCard. As at 26 September 2015 Debit card Conditions of Use These Conditions of Use apply to the Westpac Debit MasterCard

More information

SMARTER BANKING MAKE THE MOST OF YOUR MONEY

SMARTER BANKING MAKE THE MOST OF YOUR MONEY SMARTER BANKING MAKE THE MOST OF YOUR MONEY CONTENTS PAGE 2 Get smart about everyday banking and saving PAGE 4 STEP 1 The bank account basics PAGE 8 STEP 2 How to access your money PAGE 10 STEP 3 Decisions

More information

WESTPAC FLEXI LOAN. You call the shots.

WESTPAC FLEXI LOAN. You call the shots. WESTPAC FLEXI LOAN You call the shots. Westpac Flexi Loan at a glance. Apply in as little as 15 minutes Get a response in under 60 seconds 1 Choice of flexible s Make withdrawals at any time up to your

More information

Westpac. Home Loans. Enjoy a place of your own with your. Westpac. Home Loan

Westpac. Home Loans. Enjoy a place of your own with your. Westpac. Home Loan Westpac Home Loans Enjoy a place of your own with your Westpac Home Loan We know you d rather talk about your new home than a new home loan. After all, buying a home is an exciting journey. But we d like

More information

ACCESSING YOUR MONEY OVERSEAS.

ACCESSING YOUR MONEY OVERSEAS. ACCESSING YOUR MONEY OVERSEAS. ACCESSING YOUR MONEY, ANYTIME, ANYWHERE No matter where you re going, you ll need easy, secure access to your money. Travel Money Card A prepaid MasterCard that lets you

More information

Altitude Rewards and Altitude Qantas

Altitude Rewards and Altitude Qantas Altitude Terms and Conditions Altitude Rewards and Altitude Qantas Effective 9 November 2014 Altitude Rewards 1 Contents Altitude Rewards terms and conditions...4 1. When do these terms and conditions

More information

ANZ CashBack. programme guide

ANZ CashBack. programme guide ANZ CashBack programme guide CashBack rewards you for purchases you make with your CashBack card. Using your card CashBack Rewards CashBack rewards you for purchases you make with your CashBack card.

More information

Personal banking for the business owner

Personal banking for the business owner Personal banking for the business owner Transaction Accounts Internet and Phone Banking Business Banking Online Savings Accounts Home Loans Portfolio Loan Wealth At Bank of Melbourne, we recognise your

More information

Business Value Bundle

Business Value Bundle Business Value Bundle (No longer available for sale) Terms and Conditions Effective as at 14 July 2014 i Table of Contents 1. Acceptance of Terms and Conditions... 2 2. Bundle... 2 3. Benefits... 3 4.

More information

Diners Club Business/ Corporate Card Terms and Conditions

Diners Club Business/ Corporate Card Terms and Conditions Diners Club Business/ Corporate Card Terms and Conditions Important These terms and conditions apply to the Diners Club Business Card and the Diners Club Corporate Card. Please read these terms and conditions

More information

Lending Fees & Charges

Lending Fees & Charges Lending Fees & Charges Effective Date: 1 July 2015 All credit fees and charges to any credit facilities regulated by the National Credit Code will be set out in the financial table of your credit contract.

More information

Westpac Credit Cards. Credit cards

Westpac Credit Cards. Credit cards Westpac Credit Cards Credit cards As at 15 November 2013 You can buy the things you need now and pay off your card in a flexible way later. Contents 4 What do you get with a Westpac credit card? 6 Which

More information

Guide to Heritage Credit Card Products

Guide to Heritage Credit Card Products Guide to Heritage Credit Card Products Effective 1 June 2015 Talk to us today. 2 Guide to Heritage Credit Card Products Contents Introduction... 8 Welcome to Heritage... 8 About this Guide... 8 We re here

More information

Altitude Business Rewards. Terms and conditions. Altitude Business Cards Altitude Business Gold Cards Altitude Business Platinum Cards

Altitude Business Rewards. Terms and conditions. Altitude Business Cards Altitude Business Gold Cards Altitude Business Platinum Cards Altitude Business Rewards Terms and conditions Altitude Business Cards Altitude Business Gold Cards Altitude Business Platinum Cards Effective 15 August 2015 Contents 1. When do these terms and conditions

More information

FAQs FOR CREDIT CARDS. al khaliji France FAQs for Credit Cards

FAQs FOR CREDIT CARDS. al khaliji France FAQs for Credit Cards FAQs FOR CREDIT CARDS FAQs for Credit Cards Card basics 03 Managing your credit limit 03 Using your card 04 Paying your bills 05 If there are problems 06 Fees & charges 06 Other benefits 06 02 1. Card

More information

Credit Cards CARD TRANSACTIONS AND YOU. Credit Cards. A consumer education programme by:

Credit Cards CARD TRANSACTIONS AND YOU. Credit Cards. A consumer education programme by: Credit Cards CARD TRANSACTIONS AND YOU Credit Cards A consumer education programme by: CONTENTS 1 Introduction 2 What is a credit card and how it works Applying for a credit card 3 Application process

More information

Get the most from a Westpac Debitplus Visa card.

Get the most from a Westpac Debitplus Visa card. Get the most from a Westpac Debitplus Visa card. Debitplus, it s the easy way to buy things using your own money. Debitplus is the convenient way to buy products and services. You simply use it to access

More information

Deposit Accounts for Business Customers

Deposit Accounts for Business Customers Deposit Accounts for Business Customers Terms and Conditions. Effective as at 1 July 2015. This booklet contains information on the following Deposit Accounts for Business Customers Currently available

More information

Helping you trade your way

Helping you trade your way Helping you trade your way 2 3 4 5 7 8 10 Enhance your investing and trading performance with Westpac Broking Make fast, easy orders Stay in control Pay for trades whichever way suits you Discover what

More information

Westpac. Home Loans. Enjoy a place of your own with your. Westpac. Home Loan

Westpac. Home Loans. Enjoy a place of your own with your. Westpac. Home Loan Westpac Home Loans Enjoy a place of your own with your Westpac Home Loan We know you d rather talk about your new home than a new home loan. After all, buying a home is an exciting journey. But we d like

More information

global currency card travel card save that could you money overseas smarts Proudly supported by Westpac

global currency card travel card save that could you money overseas smarts Proudly supported by Westpac global currency card a travel card save that could you money overseas smarts Proudly supported by Westpac Think local, shop global Introducing the Global Currency Card. It s the re-loadable prepaid Visa

More information

credit card Your Welcome Guide

credit card Your Welcome Guide credit card Your Welcome Guide We would like to welcome you as a new Co-operative Membership credit cardholder. welcome This guide tells you all you need to know to make the most of your Co-operative Membership

More information

BENEFITS GUIDE. BMO Prepaid Travel. MasterCard. Your travel payment card

BENEFITS GUIDE. BMO Prepaid Travel. MasterCard. Your travel payment card BENEFITS GUIDE BMO Prepaid Travel * MasterCard Your travel payment card WELCOME! GET READY TO USE YOUR CARD WITH COMPLETE PEACE OF MIND. You ve just received your new BMO Prepaid Travel MasterCard the

More information

Deposit Accounts for Business Customers. (No longer available for sale) Terms and Conditions.

Deposit Accounts for Business Customers. (No longer available for sale) Terms and Conditions. Deposit Accounts for Business Customers. (No longer available for sale) Terms and Conditions. Effective as at 01 July 2015 1 Your Bank The advisory services and the banking products you ll find in this

More information

Savings and Term Investment Accounts. Savings made easy, however you choose to do it.

Savings and Term Investment Accounts. Savings made easy, however you choose to do it. Savings and Term Investment Accounts Savings made easy, however you choose to do it. If you re looking for a savings account we have different types you can choose from, each slightly different to fit

More information

Travelling overseas? TRAVEL TIPS, MONEY AND INSURANCE FOR OVERSEAS TRAVEL

Travelling overseas? TRAVEL TIPS, MONEY AND INSURANCE FOR OVERSEAS TRAVEL Travelling overseas? TRAVEL TIPS, MONEY AND INSURANCE FOR OVERSEAS TRAVEL Travel and Foreign Exchange We provide a one-stop-shop for all your foreign exchange needs, making it easy for you to manage your

More information

Credit Card Conditions of Use. Credit Guide.

Credit Card Conditions of Use. Credit Guide. Credit Card Conditions of Use. Credit Guide. Effective Date: 20 May 2016 This document does not contain all the terms of this agreement or all of the information we are required by law to give you before

More information

COMMBANK CREDIT CARD CONDITIONS OF USE.

COMMBANK CREDIT CARD CONDITIONS OF USE. COMMBANK CREDIT CARD CONDITIONS OF USE. How you can use your account. For all CommBank Personal Credit Cards and Business Credit Cards. 1 January 2015 CONTENTS Conditions of Use 1 Your contract with us

More information

The NatWest Alerts Service. Keep yourself updated, anywhere, anytime.

The NatWest Alerts Service. Keep yourself updated, anywhere, anytime. The NatWest Alerts Service Keep yourself updated, anywhere, anytime. 2 1 National Westminster Bank Plc, 135 Bishopsgate, London EC2M 3UR. Registered number: 929027, England. NWB7933 07/06/2011 If you already

More information

Singapore Airlines Westpac Gold Credit Cards Conditions of Use

Singapore Airlines Westpac Gold Credit Cards Conditions of Use Singapore Airlines Westpac Gold Credit Cards Conditions of Use Effective 1 July 2014 Conditions of Use Your Credit Card Contract includes this Conditions of Use booklet, the letter which advises both your

More information

Amplify Business of Conditions of Use

Amplify Business of Conditions of Use Amplify Business Conditions Credit Card of Conditions of Use Effective: 25 September November 2015 2014 This document does not contain all the terms of this agreement or all of the information we are required

More information

Amplify Business Credit Card Conditions of Use.

Amplify Business Credit Card Conditions of Use. Amplify Business Credit Card Conditions of Use. Effective: September 2015 This document does not contain all the terms of this agreement or all of the information we are required to give you before the

More information

ANZ Airpoints Visa WELCOME GUIDE

ANZ Airpoints Visa WELCOME GUIDE ANZ Airpoints Visa WELCOME GUIDE Introducing the ANZ Airpoints Visa and the ANZ Airpoints Visa Platinum, the credit cards that reward you with Air New Zealand Airpoints Dollars. The ANZ Airpoints Visa

More information

NAB Credit Cards Terms and Conditions including General explanatory information Information statement effective 01.02.2015

NAB Credit Cards Terms and Conditions including General explanatory information Information statement effective 01.02.2015 NAB Credit Cards Terms and Conditions including General explanatory information Information statement effective 01.02.2015 Lost/stolen card reporting In Australia Call toll free, 24 hours per day 1800

More information

Dispatch. Exclusive Home Loan offer for members. Rescuing Dogs, Diggers and Families Protect your nest egg. winter 14 ISSUE 37

Dispatch. Exclusive Home Loan offer for members. Rescuing Dogs, Diggers and Families Protect your nest egg. winter 14 ISSUE 37 Dispatch winter 14 ISSUE 37 Rescuing Dogs, Diggers and Families Protect your nest egg Exclusive Home Loan offer for members Dispatch The briefing From the CEO s desk Welcome to the Winter edition of Dispatch.

More information

Credit Card Conditions of Use. Credit Guide.

Credit Card Conditions of Use. Credit Guide. Credit Card Conditions of Use Credit Guide. Effective Date: September 2015 This document contains the terms and conditions that apply to St.George Bank Business Visa Debit Card cardholders and to all transactions

More information

Singapore Airlines Westpac Platinum Credit Cards Conditions of Use

Singapore Airlines Westpac Platinum Credit Cards Conditions of Use Singapore Airlines Westpac Platinum Credit Cards Conditions of Use Effective 1 July 2014 Conditions of Use Your Credit Card Contract includes this Conditions of Use booklet, the letter which advises both

More information

Moving to Australia? Choose the bank more Australians choose.

Moving to Australia? Choose the bank more Australians choose. Moving to Australia? Choose the bank more Australians choose. Contents Welcome to the Commonwealth Bank of Australia 3 International service, local knowledge 3 Set up your banking before you arrive 4 Great

More information

credit card Your Welcome Guide

credit card Your Welcome Guide credit card Your Welcome Guide We d like to welcome you as a new Co-operative Membership credit card holder. Welcome This guide tells you all you need to know to make the most of your Co-operative Membership

More information

BANK OF THE YEAR SMALL BUSINESS AWARD

BANK OF THE YEAR SMALL BUSINESS AWARD METHODOLOGY BANK OF THE YEAR SMALL BUSINESS AWARD What are the CANSTAR Business Banking Star Ratings? CANSTAR Business Banking Star Ratings use a sophisticated rating methodology, unique to CANSTAR, which

More information

Credit Cards. Credit Cards. boq.com.au

Credit Cards. Credit Cards. boq.com.au Credit Cards Credit Cards 1300 55 7 7 boq.com.au Citigroup Pty Limited ABN 88 004 35 080, AFSL 38098, Australian Credit Licence No. 38098 (Citigroup) is the credit provider and issuer of BOQ Credit Cards

More information

Corporate Charge Card

Corporate Charge Card Corporate Charge Card User Guide PLEASE RETAIN THIS FOR YOUR REFERENCE. GUIDANCE ON USING THIS LEAFLET Your Velos Corporate Charge Card can help you simplify the management of business expenses while staying

More information

SAS EuroBonus. Travel Cash. Frequently Asked Questions

SAS EuroBonus. Travel Cash. Frequently Asked Questions SAS EuroBonus Travel Cash Frequently Asked Questions YOUR MOST COMMON QUESTIONS ABOUT TRAVEL CASH 5 Q. How can I request a EuroBonus member Card with Travel Cash? 5 Q. Does it cost anything to get Travel

More information

Home and Investment Loans. Be ready to make your move.

Home and Investment Loans. Be ready to make your move. Home and Investment Loans Be ready to make your move. We ve got what you need to make things happen. Whether you re thinking of buying your first home, your next home, an investment property, switching

More information

CONDITIONS OF USE. for GREATER BUSINESS VISA CREDIT CARDS

CONDITIONS OF USE. for GREATER BUSINESS VISA CREDIT CARDS Head Office: 103 Tudor Street, Hamilton NSW 2303 PO Box 173, Hamilton NSW 2303 Phone: 1300 651 400 Fax: (02) 4921 9112 Web: www.greater.com.au Email: webenquiry@greater.com.au ABN 88 087 651 956 Australian

More information

a banking guide for overseas travel

a banking guide for overseas travel Global ATM Alliance a banking guide for overseas travel Proud member of the Global ATM Alliance. Avoid the overseas ATM withdrawal fee at participating Global ATM Alliance partner ATMs. 2 Going overseas?

More information

Suncorp Wealth Cash Management Account Product Information Document

Suncorp Wealth Cash Management Account Product Information Document Suncorp Wealth Cash Management Account Product Information Document This document contains information about the Suncorp Wealth Cash Management Account. This document must be read in conjunction with the

More information

Macquarie Card Services

Macquarie Card Services Macquarie Card Services Understanding Interest Macquarie Card Services is a division of Macquarie Bank Limited ABN 46 008 583 542 Australian Credit Licence 237502 which provides and administers credit.

More information

Your new checking account

Your new checking account Your new checking account Getting started guide The information in this disclosure may not be entirely accessible to screen readers. Please call the Phone Bank at 1-800-TO-WELLS if you would like to obtain

More information

Making a change for the better has never been easier.

Making a change for the better has never been easier. Making a change for the better has never been easier. With our simple Switch Kit, we have taken the hassle out of changing banks. Stop putting it off and make the move to a better banking relationship.

More information

NAB Traveller Card User guide Including Terms and Conditions Effective 7 June 2014

NAB Traveller Card User guide Including Terms and Conditions Effective 7 June 2014 NAB Traveller Card User guide Including Terms and Conditions Effective 7 June 2014 i Welcome to the NAB Traveller Card When you re travelling, it s reassuring to know your NAB Traveller Card is packed

More information

Lesson Module 3: Defensive Spending Tackling Credit & Debit Cards

Lesson Module 3: Defensive Spending Tackling Credit & Debit Cards Lesson Module 3: Defensive Spending Tackling Credit & Debit Cards Module 3 Overview Debit cards can be a very safe and convenient way to make purchases. But since money spent on a debit card comes right

More information

Business Vantage Visa Credit Card. Conditions of Use. Effective Date: 20 May 2016

Business Vantage Visa Credit Card. Conditions of Use. Effective Date: 20 May 2016 Business Vantage Visa Credit Card Conditions of Use 1 Effective Date: 20 May 2016 Business Vantage Visa Conditions of Use Bank of Melbourne This document does not contain all the terms of this agreement

More information

CONDITIONS OF USE for GREATER CREDIT CARDS

CONDITIONS OF USE for GREATER CREDIT CARDS Head Office: 103 Tudor Street, Hamilton NSW 2303 PO Box 173, Hamilton NSW 2303 Phone: 1300 651 400 Fax: (02) 4921 9112 Web: www.greater.com.au Email: webenquiry@greater.com.au ABN 88 087 651 956 Australian

More information

Consumer Credit Cards. Conditions of Use. Effective as at 20 March 2013.

Consumer Credit Cards. Conditions of Use. Effective as at 20 March 2013. Consumer Credit Cards. Conditions of Use. Effective as at 20 March 2013. Your Credit Card Contract includes this Conditions of Use brochure, the letter which advises both your credit limit and other prescribed

More information

Hang Seng Commercial Card Benefits Directory

Hang Seng Commercial Card Benefits Directory Contents 1. Important Points to Remember 2. Customer Privileges Better Business Expense Management Financial Flexibility Superior Privileges Membership Rewards Programme Comprehensive Protection 3. Payment

More information

ANZ Credit Card Frequently Asked Questions

ANZ Credit Card Frequently Asked Questions ANZ Credit Card Frequently Asked Questions January 2013 CARD FEATURES What are the main features of the new ANZ Credit Card? features including, up to 45 days interest free, acceptance at over 30 million

More information

Credit Card - How your ANZ Credit Card works

Credit Card - How your ANZ Credit Card works anz.com/vietnam Item No. SPB004 DATE 01.2013 ANZ Signature Priority Banking Visa Platinum Credit Card - How your ANZ Credit Card works How your ANZ Credit Card works 01/2013 1 2 1-2 ANZ credit cards fulfil

More information

Personal. Savings & investments. Simple ways to get steady returns. Financial solutions. For life.

Personal. Savings & investments. Simple ways to get steady returns. Financial solutions. For life. Personal Savings & investments Simple ways to get steady returns Financial solutions. For life. Important information Please refer to the last page of this brochure for important information you should

More information

CREDIT CARD PRODUCT DISCLOSURE FACTSHEET

CREDIT CARD PRODUCT DISCLOSURE FACTSHEET CREDIT CARD PRODUCT DISCLOSURE FACTSHEET Ref : PDS / 2012 / v2.0 Page 1 Credit Card Product Disclosure Factsheet Please read this Credit Card Product Disclosure Factsheet which will spell out the key points

More information

Complete the attached direct debit form and provide it to your retailer or send it to HSBC directly, using the address details on the form.

Complete the attached direct debit form and provide it to your retailer or send it to HSBC directly, using the address details on the form. Date Name Address Dear Name Welcome Thank you for choosing HSBC for your interest free purchase at merchant name. As part of your interest free purchase, you will be provided with a Visa credit card that

More information

Using your Credit Card

Using your Credit Card Using your Credit Card Effective from 7 November 2003 Contents Introduction 3 Section one: Benefits 1.1 Reward Points program 4 1.1.1 Earn Reward Points every day 4 1.1.2 Earn up to 3 Bonus Reward Points

More information

Teachers Credit Card. terms and conditions

Teachers Credit Card. terms and conditions Teachers Credit Card terms and conditions Important information This document forms part of your Credit Card Contract and should be read with the letter of offer, which also forms part of your Credit Card

More information

Small Business Banking. It s your business

Small Business Banking. It s your business Small Business Banking It s your business No matter what stage your business is at, the right partnerships can make all the difference. Whether you ve got a great business idea, wanting to expand or just

More information

Online Banking & User administration

Online Banking & User administration Online Banking & User administration Westpac Live helps you to tailor your Online Banking to suit the financial needs of your business. INTRODUCTION USER ADMINISTRATION FEATURES ACCOUNT ACCESS BILLING

More information

3 ways to maximise every dollar in your SMSF.

3 ways to maximise every dollar in your SMSF. 3 ways to maximise every dollar in your SMSF. We knowhow. Contents. Your super, your way. Once you ve established a Self Managed Super Fund, we have a three-piece DIY Super Solution to help you manage

More information

Macquarie Platinum Card

Macquarie Platinum Card Macquarie Platinum Card Features and Benefits Guide macquarie.com i Welcome Your privileges 2 Your card benefits at a glance 4 Macquarie Rewards 6 Complimentary insurance 8 Shop and pay with confidence

More information

STAR RATINGS REPORT. Business Credit Cards

STAR RATINGS REPORT. Business Credit Cards 2015 STAR RATINGS REPORT Business Credit Cards Business Credit Cards August 2015 Foreword A good credit card is essential for just about every business these days. It s an easy method of payment for costs

More information

ANZ EFTPOS card and ANZ Visa Debit card

ANZ EFTPOS card and ANZ Visa Debit card ANZ EFTPOS card and ANZ Visa Debit card Conditions of Use Where to find things in this document What you need to know about these Conditions of Use...1 How to contact us...1 A glossary of the terms we

More information

Yellow Brick Road Empower Platinum Card

Yellow Brick Road Empower Platinum Card Yellow Brick Road Empower Platinum Card Features and Benefits Welcome Contents Using and managing your card 2 Rewards 4 Security 6 Your MasterCard Benefits 8 Terms and Conditions 11 Welcome to your new

More information