You re ready to take off

Size: px
Start display at page:

Download "You re ready to take off"

Transcription

1 You re ready to take off with the Virgin Australia Velocity Flyer Card. virgin money + credit cards good together

2 What s inside for you. 1. Welcome aboard. 2. Rewards that will take you places. 3. But wait there s more. 4. Payments made easy. 5. Managing your account is easy. 6. Looking after your card.

3 1. Welcome aboard Thank you for choosing the Virgin Australia Velocity Flyer Card it s great to have you with us. You now have a card that s linked to the Frequent Flyer program of Virgin Australia, which earns Velocity Points 1 on your everyday spend. So if you fly with Virgin, now it makes even more sense to buy with Virgin. It s the credit card with rewards that take off. Don t forget to activate your card to make the most of it. It s easy and only takes a few minutes. Just call and we ll have you up and running. Please read on to find out all the things your card can do for you we don t want you to miss any of the good stuff like exclusive reduced flights offers 2 for you and a friend, and that s just the start.

4 2. Rewards that will take you places. Fly all over the world. Earn Points faster with your Virgin Australia Velocity Flyer Card. Each time you shop with your card you ll earn Velocity Points which will be credited to your Velocity Frequent Flyer Account 1 every month. You ll earn 1 Velocity Point per $1 spent up to $1,500 per month and then 1 Velocity Point for every $2 spent. Use your Points to fly to over 500 destinations here and overseas with Virgin Australia s Domestic and International Airline Partners including Virgin America, Virgin Atlantic, Etihad and Air New Zealand. Take a look at velocityfrequentflyer.com to see what you can get with your Velocity Points and how far they ll take you. Use your card everywhere. Earning Points is easy when your Virgin Australia Velocity Flyer Card is accepted at over 29 million Visa locations around the world. Fly together and save 2. Use your Virgin Australia Velocity Flyer Card to buy a Virgin Australia domestic Saver fare and get an exclusive reduced flights 2 offer for you and a friend on the same flight up to 4 times a year. You ll need to cover the fees & taxes on both fares. This is how it works. Within 10 days of your Virgin Australia Velocity Flyer Card being approved, your Velocity Frequent Flyer account will be updated to show your complimentary domestic flights

5 redemption activity. You can find this in the My Benefits section and then look at Virgin Money Credit Card and click on the details button. As soon as your Velocity account has been updated, you can call Virgin Australia to book your flights. It s important to know that the flights for this offer cannot be booked on the internet and the primary cardholder must always be one of the guests travelling. Bookings must be made a minimum of 30 days in advance of travel so when you re ready to book your flights, give our friends at the Virgin Australia Guest Contact Centre a call on Have your Virgin Australia Velocity Flyer Card and Velocity Rewards Membership Number handy, and quote the promotion code TWO41. Not available on sale fares, flights subject to availability and conditions apply. Checked baggage not included for Saver Lite fares. Click here for the full terms and conditions of this offer. Have we got your Velocity Membership number? Already told us your Velocity Frequent Flyer Membership Number? Then sit back, enjoy the ride and we ll credit the Points you ve earned each month to your Velocity Frequent Flyer Account. If you haven t joined yet, don t worry it s not too late. Just go to velocityfrequentflyer.com and join online for free. Once you ve completed your registration, log in to your Virgin Money Online Account and update your new Velocity Frequent Flyer Membership Number or give us a call on and our Customer Care Team will update it for you. It s important to know that if we do not have your correct Velocity membership number on file you will not be able to take advantage of your flights offer 2.

6 3. But wait there s more. Get the balance right. Transfer the balances from your other credit cards, store cards and personal loans onto your Virgin Australia Velocity Flyer Card. Your money becomes a lot easier to manage with only one account to look out for and it could also save you on interest charges. If you didn t request a balance transfer when you applied for your card, you can still apply by giving us a call on Any special offer rates are available for 90 days after your card is approved. If you d like to request a balance transfer after that time please give us a call to see what rates we can offer you. Visa paywave. Visa paywave is the latest in secure, contactless technology. It will help you spend less time at the register and give you the freedom to do the things that matter most to you. For transactions under $100, just wave your Visa paywave-enabled card in front of a Visa paywave reader and go. There s no need to enter your PIN. Using PIN for in store purchases is now mandatory in Australia and other parts of the globe. If you d like to change your ATM PIN, you can do it by logging into your online account and selecting My Profile from the Services menu option. If you have additional cardholders they ll need to set up their own Virgin Money Online account. To do this we need to have their mobile number on file, so give our Customer Care Team a call on Once their mobile number is listed, they can then go ahead and set up their online account using their card details and then change their ATM PIN.

7 Visa paywave-enabled cards are backed by Visa s Zero Liability Policy 3 and are as secure as any other Visa chip card. They carry the same multiple layers of security, which ensures that you are not responsible for fraudulent or unauthorised transactions. Visa paywave cards only work when the card is within 4cm of the card reader and the paywave terminal can only process one transaction at a time. Because your Visa paywave card doesn t leave your hand during the transaction, you remain in control of your card at all times. Use your PIN for all other purchases at the terminal. Your four-digit PIN is used as proof of identity when making over-the-counter transactions at selected merchants. It is designed to make things quick and easy at point of sale and is generally a more secure transaction process. You can find more information regarding Visa paywave in the credit card section of our website or click here for some handy FAQ s Share the love. Invite your family and friends to grab an additional card, to earn Velocity Points faster 1. This can be anyone from your partner, to your best friend or even your mother, just as long as they re over 16 years old. It s worth it for those extra Velocity Points that you can earn, every time you or a loved one uses the Virgin Australia Velocity Flyer Card to shop, getting you that flight you want, sooner. You can have up to 4 additional cards on your account.

8 The additional card will be linked to the same account 4, so you ll also share the same credit limit. Your additional cardholder will be issued with their own Virgin Australia Velocity Flyer Card, and any transactions made using these cards will be separately itemised on your card Statement, making it easy to manage your finances. You can add a card holder through your online account. Head to Card Services in the Services Tab. Cash when you need it. With your ATM PIN you can use your Virgin Australia Velocity Flyer Card to withdraw cash from over 20,000 ATMs in Australia, and over 820,000 ATMs around the world. Look out for the Visa or Plus symbols 5. You can change your ATM PIN at any time by logging into your online account. We ve got you covered. Feel 100% confident that we re on the case to keep your card safe, around the clock with Fraudshield. As long as you keep us up to date with your contact details, we ll call you immediately if we detect any irregular transactions on your account, even if you re overseas. Our cards also come with Visa s Zero Liability Policy guarantee, ensuring you won t be held liable for fraudulent transactions made with your card 6. Your very own personal assistant 7. Take advantage of round-the-clock access to the Visa Platinum Customer Centre. They can organise your flight to LA, recommend you a restaurant in Hong Kong, have tickets arranged for the Opera in Paris, or simply find you a reliable dry cleaner away from home. Whatever it may be, they ve got you covered. It s the next best thing to having your very own personal assistant and all it takes is a phone call or a mouse click, anytime, anywhere in the world. For more details, visit visaplatinum.com.au

9 Other great Virgin Money products. Make sure you pop by virginmoney.com.au now and again to check out what else we have to offer, and other great Virgin Money products. Join the conversation and like us on Facebook 5% off Virgin Money Travel Insurance 8. If you love travel as much as we do, we have some great news to help you save. We ve got an exclusive offer for Virgin Money Credit Card customers. Anytime you take out a travel insurance policy with us and pay using your Virgin Money Credit Card, you can enjoy a 5% discount 8. It s our little way of saying thanks and bon voyage. How to apply: 1. Visit virginmoney.com.au/travel-offer 2. Choose your cover option 3. Select to pay with your Virgin Money Credit Card and your 5% discount 8 will automatically be applied So take a short trip to Virgin Money Travel Insurance and pack some peace of mind.

10 4. Payments made easy. There s a choice of convenient ways to pay your Virgin Australia Velocity Flyer Card bill. Have a look at the options below and see which one works for you. It s easy to pay with BPAY. Our biller code is and your credit card number is your customer reference number. Don t give it a second thought with Direct Debit Auto Pay. Set up automatic payments from other accounts straight into your Virgin Australia Velocity Flyer Card and your account will be taken care of each month. Choose from a: full monthly payment plan to pay off the balance each month. minimum payment to pay off the minimum payment required. Visit virginmoney.com.au/creditcard and head to the Manage My Account section where you ll find our Direct Debit Auto Pay form that you can complete and return to us or give us a call on to find out more about setting up an easy payment plan.

11 Pop it in the post. When your statement arrives send the payment slip back to us with your cheque or money order. To make sure things run smoothly: make the cheque out to your card type and card number, for example Virgin Australia Velocity Flyer Card account number. always write your card number on the back. remember to include the cents (so $ not $200). make sure you post it in enough time to reach us before the due date. Make a payment at Australia Post. You can make your payments at any Australia Post office displaying the symbol using cash, cheque or EFTPOS. It s important to remember to take your Credit Card with you to make the payment. When paying by cheque at any Australia Post office, please allow seven business days for the cheque to clear. However, your payment will be considered received the day the cheque is deposited. Fees apply.

12 5. Managing your account is easy. Virgin Money Online is your personal online account where you can view your transactions, print your statements, set up automated payments, pay bills, change your PIN and more. In just a few clicks you ll be online and in control of your Virgin Money Credit Card Account. Setting up your Virgin Money Online account is easy, once you ve received your card, have your mobile phone handy and go to my.virginmoney.com.au and click on the First time here? REGISTER button. Then click on the Credit Card Icon and follow the steps, complete the required information then enter a One Time PIN which we ll send to the mobile number you advised us during your application. You ll be up and running in minutes. If you need to change your mobile number please call our Customer Care Team on and they ll assist you, it s important to know that should you wish to change your mobile number during the set up process you will not be able to set up your online account for 3 days as we do impose a security freeze to the account. Your monthly Statements. If you ve requested to receive estatements we ll you your monthly statement in the form of an encrypted PDF attachment, you ll be required to enter a password to view your statement. A copy of

13 the statement will also be stored within your online account for up to 2 years. Your statement will include all the information you need to know for the last month of activity, such as your account balance and the minimum amount due. It s also best if you have the latest version of Adobe Reader in order to view your statements within Virgin Money Online.If you ve asked for paper Statements, you can always switch to estatements in your online account by clicking on Services, then head to My Profile and select estatements. What you can do online anytime, from anywhere. View and print your statements from the last 24 months. Pay your bills using your credit card through BPAY. Change your ATM PIN or update your contact Odetails Export your transactions to accounting software like Quicken, MS Money or Excel. Change your password (we recommend you do this regularly, to keep things as secure as possible). And much more. Log out safely. Every time you re finished using Virgin Money Online, it s important you log out by clicking the log out button on the screen. It s the safest way of finishing your session. Don t have access to a computer? Not to worry, you can still manage your money with our 24-hour Telephone Self-Service line, anytime of the day or night. You can check your balance, pay your bills or make a credit card payment and more, all from the comfort of, well, anywhere you like really. All you need is a phone (and good coverage if you re using your mobile) and call

14 6. Looking after your card. Automatic Payments. Spend less time paying your bills and more time doing things you really want to be doing. With Automatic Payments arrange your bills to be automatically debited from your credit card, earning you even more Velocity Points. Setting up your automatic payments is easy. For bills you d like paid from your credit card, contact the companies and provide them with your account number and every payment that occurs will be clearly itemised on your statement. The last thing you need is for your card to fall into the wrong hands or to disappear, so here s a few do s and don ts that will help you keep your card safe. Do s. Sign your card as soon as you get it. Always keep your card in a safe place. When your card expires, you will be sent a new one. Sign it straight away and then call to activate it. Destroy your old card, cut it into pieces and dispose of them securely and responsibly. If you re waiting for a new card and it hasn t arrived within the expected time, let us know. Keep an eye on merchants when they re using your card. Keep all your phone numbers up to date so we can contact you if we notice unusual account activity.

15 Be wary of merchants who swipe your card a few times. Make sure you check the transaction amount before you authorise with a PIN. When you use your card online, only ever use secure internet sites. Always tear up your credit card receipts before throwing them in the bin. Let us know of your travel itinerary to eliminate concerns about card activity occurring in exotic locations. Don ts. Don t let anyone else know your PIN or Virgin Money Online log in details. Don t lend your card to anyone, including friends. Don t let merchants take your card out of your sight. Travelling If you re planning a holiday or heading off on a business trip, it s important to let us know your plans so we can be aware of any unusual activity on your card. It s also a good idea to make sure we have your correct contact details in case we need to contact you to verify it s you that s making the transaction.

16 Missing your card? Don t panic. If you notice that your card has gone missing, there s no need to panic, simply let us know immediately. If you re in Australia call us on , or if you re outside of Australia. We ll cancel your card so nobody else can use it, and we ll get a new card to you as soon as physically possible. A transaction that doesn t look familiar. If you don t recognise a transaction on your statement, or it s incorrect in any way, let us know immediately by calling We d like to help you if there s a problem but there are strict timelines and conditions that need to be met so it s important that you call us immediately.

17 In alliance with: Content Correct at 1 August See virginmoney.com.au for updates. Fees and charges apply. Terms and conditions apply and are available upon request. Virgin Money (Australia) Pty Limited ABN distributes the Virgin Money Credit Cards ( Credit Cards ) under an arrangement with Citigroup Pty Ltd ABN AFSL No Australian credit licence ( Citibank ). Citibank is the credit provider and issuer of the Credit Cards. Visa is a registered trademark of Visa Worldwide Pty Limited. 1. To earn and redeem Velocity Points, you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, available at velocityfrequentflyer.com, as amended from time to time 2. Offer valid for Primary Cardholder and one Guest booked and travelling together in the same fare class. The offer provides 50% off the base fare component of a domestic Virgin Australia Saver/Saver Lite Fare (which excludes taxes, Booking and Service fees) for the Primary Cardholder and one Guest when flying together (excludes sale fares). Saver Lite fares do not include a checked baggage allowance. Guests travelling on a Saver Lite fare may only purchase a baggage allowance at the airport for the applicable fee (baggage allowance cannot be purchased online). Limit of 4 sectors a year. Taxes and fees to be covered by Primary Cardholder. Guest Contact Centre fees do not apply. See virginaustralia.com for full details on taxes and fees. Offer valid on new bookings made via the Guest Contact Centre at least 30 days before travel and paid with an eligible Virgin Australia Velocity Credit Card and/or Virgin Australia vouchers. Seats are subject to availability which may be limited at peak times such as weekends, Christmas or School Holidays. Flight availability and fare prices advertised on the Virgin Australia website are not indicative of real-time availability. Contact the Virgin Australia Guest Contact Centre for costs and availability for your travel dates. For further Terms & Conditions go to credit-cards/exclusive-reduced-flights-offer.pdf

18 3. Cardholder s liability is limited to zero for unauthorised transactions, provided the cardholder notifies us of unauthorised Visa transactions, and there is no evidence of cardholder negligence, fraud or collusion. 4. Additional cardholder fees may apply. Primary cardholders are responsible for additional cardholder transactions and payments. 5. Cash withdrawal limits, fees and charges may apply. 6. Visa s Zero Liability policy covers Australian and New Zealandissued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. Please consult your issuer for additional details. 7. Exclusive Visa Platinum 24/7 concierge service supplied by Visa. Visit visaplatinum.com.au for details. 8. The 5% discount applies to the initial premium for new Virgin Money Travel Insurance policies only purchased with a Virgin Money Credit Card. Offer is subject to change or removal at the discretion of Virgin Money without notice and can t be used in conjunction with any other Virgin Money Travel Insurance offer or discount. Virgin Money Travel Insurance promoted by Virgin Money (Australia) Pty Limited ABN , authorised representative No of Virgin Money Financial Services Pty Ltd ABN AFSL AGA Assistance Australia Pty Ltd ABN , AFSL trading as Allianz Global Assistance issues and manages Virgin Money Travel Insurance on behalf of the insurer, Allianz Australia Insurance Limited (Allianz) ABN AFSL

your guide to your new BOQ Credit Card

your guide to your new BOQ Credit Card your guide to your new BOQ Credit Card Contents A card that you will love 1 Getting started 2 Flexible banking at your fingertips 3 Platinum Visa card 4 Blue Visa card 6 Low Rate Visa card 7 BOQ Rewards

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

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 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

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

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

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

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

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

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

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

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

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

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

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

55 Day Platinum Visa Card. enjoy the. platinum. experience. the in-crowd Proudly supported by Westpac

55 Day Platinum Visa Card. enjoy the. platinum. experience. the in-crowd Proudly supported by Westpac 55 Day Platinum Visa Card enjoy the platinum experience the in-crowd Proudly supported by Westpac Welcome to 55 Day Platinum Thank you for choosing the 55 Day Platinum Visa Card. In addition to the CardShield

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

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

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

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

Mates Rates Package. From your friends at Kiwibank.

Mates Rates Package. From your friends at Kiwibank. Mates Rates Package. From your friends at Kiwibank. Join Kiwibank today and while you re a Mates Rates member, you ll get even better value banking. Check out what you ll get: Everyday Accounts Choice

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

Transactions & Savings Because managing your money should be easy.

Transactions & Savings Because managing your money should be easy. Transactions & Savings Because managing your money should be easy. Your guide to how People s Choice Credit Union can help you with your everyday banking needs and achieve your saving and investment goals.

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

ready, steady, take off

ready, steady, take off ready, steady, take off Welcome to your Airpoints credit card All the key information you need to know about your Air New Zealand Airpoints Platinum MasterCard. Important information Your Air New Zealand

More information

Everyday banking and savings. Transaction accounts Internet and Phone Banking Savings accounts Debit cards Term deposits Easy Switch

Everyday banking and savings. Transaction accounts Internet and Phone Banking Savings accounts Debit cards Term deposits Easy Switch Everyday banking and savings Transaction accounts Internet and Phone Banking Savings accounts Debit cards Term deposits Easy Switch We all have different plans in life. At Bank of Melbourne, our commitment

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

Important information about your credit card account (Account)

Important information about your credit card account (Account) Important information about your credit card account (Account) This notice is provided with your March 2012 statement of Account and details important information on the following aspects of your Account:

More information

Welcome to your CIBC Dividend Visa * Card

Welcome to your CIBC Dividend Visa * Card Welcome to your CIBC Dividend Visa * Card Turn your everyday spending into cash back rewards Get 2% cash back on all grocery purchases 1 Get started with your new cash back card 1. Activate your card Activate

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

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

Business Banking Reference Guide. The Works: Getting the most from your Business Account

Business Banking Reference Guide. The Works: Getting the most from your Business Account Business Banking Reference Guide The Works: Getting the most from your Business Account Business Banking Reference Guide Contents Your transaction tools and records 03 Types of transactions 09 Visa debit

More information

CAN YOU THINK OF OVER 1,000 WAYS TO REWARD YOURSELF? WE CAN.

CAN YOU THINK OF OVER 1,000 WAYS TO REWARD YOURSELF? WE CAN. CAN YOU THINK OF OVER 1,000 WAYS TO REWARD YOURSELF? WE CAN. THE LARGEST REWARDS PROGRAM OF ANY BANK IN AUSTRALIA.* Welcome to CommBank Awards. Inside, you ll find all the information on our range of partners,

More information

Macquarie Black Card. Features and Benefits Guide. 1 macquarie.com

Macquarie Black Card. Features and Benefits Guide. 1 macquarie.com Macquarie Black Card Features and Benefits Guide 1 macquarie.com Welcome to Macquarie s most rewarding card Your rewards 2 Privileges 5 Insurance 8 Convenience and security 11 Manage your card 14 Important

More information

Conditions of Use and Credit Guide

Conditions of Use and Credit Guide Conditions of Use and Credit Guide Important details about your Gem Visa Effective March 2014 The way to pay with 0% interest 6 reasons you ll be saying it s a gem Booklet no. Enjoy 6 months interest free

More information

CAN YOU THINK OF OVER 1,000 WAYS TO REWARD YOURSELF? WE CAN.

CAN YOU THINK OF OVER 1,000 WAYS TO REWARD YOURSELF? WE CAN. CAN YOU THINK OF OVER 1,000 WAYS TO REWARD YOURSELF? WE CAN. THE LARGEST REWARDS PROGRAM OF ANY BANK IN AUSTRALIA.* Welcome to CommBank Awards. Inside, you ll find all the information on our range of partners,

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

anz@work Exclusive banking benefits while you work

anz@work Exclusive banking benefits while you work anz@work Exclusive banking benefits while you work 1 2 We re making work more rewarding. Thanks to our relationship with your employer, you can enjoy a range of exclusive benefits and discounts, simply

More information

Discover the benefits of your new RBC Rewards Visa * Classic card

Discover the benefits of your new RBC Rewards Visa * Classic card Discover the benefits of your new RBC Rewards Visa * Classic card Choice, flexibility and free rewards they re yours with the RBC Rewards Visa Classic card. Welcome to RBC Royal Bank s premiere no-fee

More information

Macquarie Credit Cards

Macquarie Credit Cards Macquarie Credit Cards Conditions Of Use EFFECTIVE NOVEMBER 2015 Important note: This booklet does not contain all the pre-contractual information we are required by law to give you before the agreement

More information

Our website Internet Banking

Our website Internet Banking Our website Internet Banking A safe and efficient way of accessing your People s Choice Credit Union accounts, paying bills and transferring money. 1 Contents 1. Security, system requirements and cookies...3

More information

Classic Account. With you when you want a good all rounder.

Classic Account. With you when you want a good all rounder. Classic Account With you when you want a good all rounder. You ll find everything you need to know about your new Classic Account in the following pages. Welcome 1 Your Bank of Scotland debit card 2 Choose

More information

Card and Account Security. Important information about your card and account.

Card and Account Security. Important information about your card and account. Card and Account Security. Important information about your card and account. 2 Card and Account Security 1. Peace of mind As a Bendigo Bank customer you can bank with confidence knowing that, if you take

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

BNZ Business First Visa Card

BNZ Business First Visa Card BUSINESS FIRST VISA CARD Helpful information about BNZ Business First Visa Card Putting your Business First BNZ Business First Visa card is the smart way to manage your day to day business expenses. It

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

Important information about your credit card account (Account)

Important information about your credit card account (Account) Important information about your credit card account (Account) This notice is provided with your March 2013 statement of Account and details important information on the following aspects of your Account:

More information

MasterCard Special Edition

MasterCard Special Edition 2015 An Empower Federal Credit Union publication. MasterCard Special Edition Important details about our MasterCard conversion. Message From The President John Wakefield President/CEO Why MasterCard? For

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

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

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

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

A rewarding experience just for you.

A rewarding experience just for you. BENEFITS GUIDE Signature RBC Rewards Visa card A rewarding experience just for you. Great rewards start with your Signature. Thank you for choosing the Signature RBC Rewards Visa card. Now you can enjoy

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

Our website Internet Banking

Our website Internet Banking Our website Internet Banking A safe and efficient way of accessing your People s Choice Credit Union accounts, paying bills and transferring money. 1 Contents 1. Security, system requirements and cookies...3

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

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

Planning a trip? We have you covered, from travel insurance to managing your money.

Planning a trip? We have you covered, from travel insurance to managing your money. Planning a trip? We have you covered, from travel insurance to managing your money. Getting ready for a trip? It s an exciting time with so much to look forward to and so much to prepare for. Getting ready

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

We designed UBank with one thing in mind; to help you make more of your money, the easy way. Alex Twigg. General Manager. UBank.

We designed UBank with one thing in mind; to help you make more of your money, the easy way. Alex Twigg. General Manager. UBank. Hello. We designed UBank with one thing in mind; to help you make more of your money, the easy way. Alex Twigg. General Manager. UBank. 2. UBank UBank is all about you. We exist for you. Hence our name.

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

Frequently asked questions - Visa paywave

Frequently asked questions - Visa paywave Frequently asked questions - Visa paywave What is Visa paywave? Visa paywave is a new contactless method of payment - the latest evolution in Visa payments. It is a simple, secure and quick payment method

More information

24/7 banking. wherever you are

24/7 banking. wherever you are banking everywhere wherever you are As a Summerland customer, you ll have your choice of how you do your banking with us, wherever you are. Fan of the digital age? Our Internet Banking means you can do

More information

International Travel Tips. Get the most from your Visa card

International Travel Tips. Get the most from your Visa card International Travel Tips Get the most from your Visa card Using Your Visa Card to Make Purchases Abroad Your Visa card is accepted at millions of places worldwide, making it a safe and convenient way

More information

Be*PINWISE Cardholder FAQs

Be*PINWISE Cardholder FAQs Be*PINWISE Cardholder FAQs 1. Who is behind the BuySafe initiative? The Industry Security Initiative (ISI)/BuySafe initiative comprises representatives of ten Australian financial institutions including

More information

part b, product features - non-cash payment facilities for wide bay australia accounts Non-Cash Payment Facilities

part b, product features - non-cash payment facilities for wide bay australia accounts Non-Cash Payment Facilities part b, product features - non-cash payment facilities for wide bay australia accounts, Non-Cash Payment Facilities b A Non-Cash Payment Facility is a facility through which any of the types of payments

More information

Visa Debit Card Conditions of Use.

Visa Debit Card Conditions of Use. Visa Debit Card Conditions of Use. Your Visa Debit Card gives you all the benefits of an EFTPOS card and more. That s because now you can shop everywhere you would with EFTPOS and anywhere VISA is accepted.

More information

Phone and Internet Banking. Keeping you in touch with your money

Phone and Internet Banking. Keeping you in touch with your money Phone and Internet Banking Keeping you in touch with your money Easy access, flexible banking by phone and internet At Suncorp Bank we offer easy to access Phone, Mobile Phone and Internet Banking, 24

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.

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

CIBC TELUS Rewards Visa * Card

CIBC TELUS Rewards Visa * Card YOUR BENEFITS GUIDE Welcome to your CIBC TELUS Rewards Visa * Card YOUR BENEFITS GUIDE BENEFITS AT A GLANCE Thank You for Choosing the CIBC TELUS Rewards Visa Card 1 How to Earn 2 How to Redeem 2 Go Paperless

More information

Suncorp Bank Personal Deposit Accounts Product Information Document

Suncorp Bank Personal Deposit Accounts Product Information Document Suncorp Bank Personal Deposit Accounts Product Information Document This document contains information on Suncorp Bank Personal Deposit Accounts Kids Savings Account, Everyday Basics Account, Everyday

More information

WOOLWORTHS MONEY CREDIT CARDS CONDITIONS OF USE EFFECTIVE 26 OCTOBER 2014

WOOLWORTHS MONEY CREDIT CARDS CONDITIONS OF USE EFFECTIVE 26 OCTOBER 2014 WOOLWORTHS MONEY CREDIT CARDS CONDITIONS OF USE EFFECTIVE 26 OCTOBER 2014 Important note This booklet does not contain all the pre-contractual information we are required by law to give you before the

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

Access Banking how you want it, when you want it.

Access Banking how you want it, when you want it. Access Banking how you want it, when you want it. Your guide to accessing your People s Choice Credit Union accounts no matter where you are, when it is or what you re doing. 1 We re there for you - anywhere,

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

CIBC Aero Classic Visa * Card

CIBC Aero Classic Visa * Card Your Benefits Guide Welcome to your CIBC Aero Classic Visa * Card Benefits at a Glance YOUR PREMIUM PASSPORT TO REWARD TRAVEL Welcome to your CIBC Aero Classic Visa Card 1 Earn Rewards Faster 2 Insurance

More information

The best of both worlds Low interest and convenience.

The best of both worlds Low interest and convenience. Benefits Guide RBC Royal Bank Visa * Classic Low Rate Option The best of both worlds Low interest and convenience. SAVINGS CONVENIENCE FLEXIBILITY Welcome to RBC Royal Bank Visa Classic Low Rate Option

More information

Citibank Rewards and Citibank Qantas Rewards Program Terms and Conditions. Citibank Rewards Credit Card - Signature Citi Prestige Credit Card

Citibank Rewards and Citibank Qantas Rewards Program Terms and Conditions. Citibank Rewards Credit Card - Signature Citi Prestige Credit Card Citibank Rewards and Citibank Qantas Rewards Program Terms and Conditions Citibank Rewards Credit Card - Signature Citi Prestige Credit Card Contents Page 1. Definitions 2 Chapter One 2. Participation

More information

Your guide to everyday banking.

Your guide to everyday banking. Your guide to everyday banking. Reimagine the future, with Citigold. Citigold is the wealth management and premium banking service created for clients with over $100,000 invested through Citibank. Our

More information

YOUR BENEFITS GUIDE. Welcome to your. CIBC Classic Visa. Card

YOUR BENEFITS GUIDE. Welcome to your. CIBC Classic Visa. Card YOUR BENEFITS GUIDE Welcome to your CIBC Classic Visa Card Welcome to your CIBC Classic Visa Card. And a completely different credit card experience. Your new CIBC Classic Visa Card comes with our promise

More information

Sending money abroad. Plain text guide

Sending money abroad. Plain text guide Sending money abroad Plain text guide Contents Introduction 2 Ways to make international payments 3 Commonly asked questions 5 What is the cost to me of sending money abroad? 5 What is the cost to the

More information

Mates Rates Package. From your friends at Kiwibank.

Mates Rates Package. From your friends at Kiwibank. Mates Rates Package. From your friends at Kiwibank. Join Kiwibank today and while you re a Mates Rates member, you ll get even better value banking. Check out what you ll get: Everyday Accounts Choice

More information

JETSTAR MASTERCARD AND JETSTAR PLATINUM MASTERCARD

JETSTAR MASTERCARD AND JETSTAR PLATINUM MASTERCARD JETSTAR MASTERCARD AND JETSTAR PLATINUM MASTERCARD conditions OF USE EFFECTIVE 1 July 2012 Important note This booklet does not contain all the pre-contractual information we are required by law to give

More information

Consumer FAQs. 1. Who is behind the BuySafe initiative? 2. Why should I use a PIN? 3. Do all transactions need a PIN?

Consumer FAQs. 1. Who is behind the BuySafe initiative? 2. Why should I use a PIN? 3. Do all transactions need a PIN? Consumer FAQs 1. Who is behind the BuySafe initiative? The Industry Security Initiative (ISI)/BuySafe initiative comprises representatives of ten Australian financial institutions including all of the

More information

Ways to bank. With so many ways to do your banking you ll be spoilt for choice.

Ways to bank. With so many ways to do your banking you ll be spoilt for choice. Ways to bank With so many ways to do your banking you ll be spoilt for choice. Are you banking on your terms? At Westpac you can tailor the way you bank to suit your life. Whether you log on to Online

More information

Yes, your card will expire at a given date, which is printed on the front of your card.

Yes, your card will expire at a given date, which is printed on the front of your card. What is the Debenhams Prepaid Card? Debenhams Prepaid Card works in a similar way to a pay as you go mobile phone. You top up what you need, when you need it. You top the card up with money which can be

More information

Discover the benefits of being a CIBC Tim Hortons Double Double Visa * Cardholder.

Discover the benefits of being a CIBC Tim Hortons Double Double Visa * Cardholder. Discover the benefits of being a CIBC Tim Hortons Double Double Visa * Cardholder. CIBC Tim Hortons Double Double Visa Card Welcome Kit CIBC Tim Hortons Double Double Visa * Card Welcome to your CIBC Tim

More information

Your NatWest Visa Debit Card with contactless

Your NatWest Visa Debit Card with contactless Your NatWest Visa Debit Card with contactless Your new debit card has arrived Your Visa Debit card is a handy way to pay whether you re popping down to the shops or travelling abroad. Use your Visa Debit

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

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

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

All your daily banking needs

All your daily banking needs Bankwest Everyday Banking All your daily banking needs It s good to keep things simple. Happy Banking How can we make life easier for you? Feel-good banking comes from easy to use everyday accounts that

More information

INDEX. Please click on a section title to go to the respective page WELCOME ON BOARD... 04

INDEX. Please click on a section title to go to the respective page WELCOME ON BOARD... 04 INDEX Please click on a section title to go to the respective page WELCOME ON BOARD... 04 KEY BENEFITS... 05» SAVINGS ON FUEL PURCHASES... 08» EARN FUEL WITH PAYBACK POINTS...08» EXPERIENCE ENTERTAINMENT...

More information

Make yourself at home with the UHomeLoan

Make yourself at home with the UHomeLoan Make yourself at home with the UHomeLoan You ve probably got a few questions about UBank and the UHomeLoan. You should find all of the answers right here. And if you have something specific in mind, just

More information

More than managing the everyday, Earth Black provides a range of premium services to help you do more with your time.

More than managing the everyday, Earth Black provides a range of premium services to help you do more with your time. Introducing Earth Black Westpac s most rewarding card. The two credit cards that work as one to provide you with our highest level of rewards, premium travel and lifestyle services. All so you can make

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 Live Quick Reference Guides

Westpac Live Quick Reference Guides Westpac Live Quick Reference Guides Accounts Overview How do I conduct a transaction search? How do I generate an online service fees report? How do I look up a merchant for a transaction? How do I dispute

More information

Your guide to getting the most from your card

Your guide to getting the most from your card Your guide to getting the most from your card Ulster Bank debitcard Welcome to your Ulster Bank debitcard Your Ulster Bank Debitcard is accepted in 30 million retail outlets around the world, wherever

More information

Suncorp Bank Business Accounts Product Information Document

Suncorp Bank Business Accounts Product Information Document Suncorp Bank Business Accounts Product Information Document This document contains information on Suncorp Bank Business Accounts: Business Everyday Accounts, Business Premium Accounts, Business Saver Accounts,

More information