CREDIT CARDS - NSW CREDIT CARDS - INTEREST FREE PERIOD

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Institution Product Name Card Type Purchase Rate Cash Adv. Rate Intro Rate Intro Term Balance Transfer Free Days Min Repay Annual Card Fee Annual Rewards Fee Late Payment Fee Interest Charged From Citibank BP- Mastercard M 19.89 19.89 2.90% for 12 months 55 2% or $30 $79 0 $10 PurchaseDate Citibank Cash Back Card V 20.74 20.74 2.9% for 12 months 55 $30/ 2% $69 none $10 PurchaseDate Citibank Clear Card V 11.99 17.99 0% for 6 months 55 $65 n/a $10 PurchaseDate Citibank Gold Card V, M 20.74 20.74 2.9% for 12 months 55 $30/2% $119 $0 $10 PurchaseDate Citibank Platinum Card V, M 20.74 20.74 2.9 for 12 months 55 $30/ 2% $250 No Fee $10 PurchaseDate Citibank Silver Card V, M 20.74 20.74 2.9% for 12 months 55 $30/2% $69 $0 $10 PurchaseDate Commonwealth Bank Awards Card V, M 20.74 20.74 5.99% for 5 months 55 $25 / 2% $59 $0 $25 PurchaseDate Commonwealth Bank Gold Card V, M 20.74 20.74 5.99% for 5 months 55 $25/2% $114 $0 $25 PurchaseDate Commonwealth Bank Low Fee Card V, M 19.64 20.74 5.99% for 5 months 55 $25/2% $24 n/a $25 PurchaseDate Commonwealth Bank Low Rate Card V, M 13.24 18.99 5.99% for 5 months 55 $25/2% $48 n/a $25 PurchaseDate Commonwealth Bank Platinum Credit Card M 20.74 20.74 5.99% for 5 months 55 $25 / 2% $200 0 $25 PurchaseDate Community First Credit Union Visa Credit Card V 10.50 10.50 Available at purchase rate 55 $20 or 3% of outstanding balance $30 n/a $25 PurchaseDate CUA Gold MasterCard M 19.49 19.49 4.9% pa 55 $30 or 2% $75 0 $15 PurchaseDate CUA Low Rate MasterCard - Gold M 11.85 11.85 4.90 6 mths 4.9 55 $30 or 2% $75 n/a $40 PurchaseDate CUA Low Rate MasterCard - Silver M 11.85 11.85 4.9 55 $30 or 2% $35 n/a $40 PurchaseDate Institution Product Name Card Type Purchase Rate Cash Adv. Rate Intro Rate Intro Term Balance Transfer Free Days Min Repay Annual Card Fee Annual Rewards Fee Late Payment Fee Interest Charged From CUA Silver MasterCard M 19.49 19.49 4.9% pa 55 $30 or 2% $35 0 $15 PurchaseDate Encompass Credit Union Encompass Credit Card V 12.25 12.25 12.25% 55 3% or $25 $36 n/a $25 PurchaseDate GE Money Coles Myer Source MasterCard M 19.75 19.75 0% on balance transfers for up to 6 months 62 2.22% $0 0 $35 PurchaseDate GE Money GE Money Low Rate MasterCard 12.99 19.99 4.99% balance transfer for up to 6 months 55 2.222% or $10 (whichever is greater) $58 n/a $35 PurchaseDate GE Money Myer Visa Card V 18.99 18.99 62 2.222% $39 0 $35 Purchase Date HSBC Classic Credit Card 45 days interest free V 19.99 21.25 5.99% for up to 6 mths on first bal trans 45 3.0% or $20 $59 $0 $30 PurchaseDate HSBC Gold Credit Card V 19.99 21.25 5.99% for 6 mths on first bal trans 45 3.0% or $20 $99 $0 $30 PurchaseDate HSBC Low Rate Credit Card V 15.99 19.99 0% for 6 months on the first balance transferred 55 $30 or 3% $39 $0 $30 PurchaseDate HSBC Platinum Credit Card V 19.99 21.25 5.99% for 6 mths on first bal trans 45 3% or $20 $199 $0 $30 PurchaseDate IMB IMB Low Rate MasterCard M 10.85 10.85 mths 4.9% on Balance Transfers for 6 months 55 $55 n/a $ PurchaseDate IMB IMB Reward Mastercard M 19.55 19.55 mths 4.9% For the LIFE OF THE BALANCE 55 $55 nil $ PurchaseDate Intech Credit Union Limited Titanium 55 V 9.55 9.55 55 3% $36 n/a $20 PurchaseDate Macquarie Bank Macquarie Bank Platinum Card V 19.95 19.95 mths 0% for 6 months 55 2% or $20 $200 $0 $40 PurchaseDate Macquarie Bank Macquarie Bank RateSaver Card V 11.95 18.95 mths 0% for 4 months 55 1.5% or $20 $50 n/a $40 PurchaseDate Members Equity Bank Members Equity MasterCard 11.99 11.99 11.99 44 3%/$10 $30 n/a $25 PurchaseDate Institution Product Name Card Type Purchase Rate Cash Adv. Rate Intro Rate Intro Term Balance Transfer Free Days Min Repay Annual Card Fee Annual Rewards Fee Late Payment Fee Interest Charged From NAB Ant Card with Rewards AMEX 20.47 20.47 44 $10 / 2.5% $99 $0 $30 PurchaseDate NAB Ant Gold Card with Rewards AMEX 20.47 20.47 44 $10 / 2.5% $148 $0 $30 PurchaseDate NAB Ant with No Annual Card Fee AMEX 19.45 19.45 44 $10 / 2.5% $0 $30 PurchaseDate NAB Low Rate Visa Card V 12.79 19.99 0% for up to 6 months 55 $10 / 2.5% $49 n/a $30 PurchaseDate NAB Standard V, M 19.49 19.49 mths 44 $10 / 2.5% $30 $0 $30 PurchaseDate NAB Velocity NAB Credit Card (American Express and Visa Card) V, AMEX 19.99 19.99 mths 3.99% p.a. for up to 6 months 44 2.5% $65 $0 $30 PurchaseDate NAB Velocity NAB Gold Card (American Express and Visa card) V, AMEX 19.99 19.99 mths 3.99% p.a. for up to 6 months 44 2.5% $150 $0 $30 PurchaseDate NAB Visa Gold / Mastercard Gold V, M 19.49 19.49 0.00 mths 44 $10 / 2.5% $90 $30 PurchaseDate NAB Visa Gold with Rewards / Mastercard Gold with Rewards V, M 20.47 20.47 44 $10 / 2.5% $88.3 $57.20 $30 PurchaseDate NAB Visa Mini V 19.24 19.24 0.00 6 mths 5.9% for up to 6 months 55 $10 / 2.5% $24 n/a $30 PurchaseDate Newcastle Permanent Building Society Value + V 11.49 15.49 15.49 55 $10.00 $45 n/a $25 PurchaseDate NSW Teachers Credit Union Teachers Credit Card V 11.50 11.50 7.90 6 mths 55 $0 n/a $25 Purchase Date Police Department Employees Credit Union Visa Credit Card V 11.20 11.20 55 2.5% $30 n/a $25 PurchaseDate St. George Bank Gold Low Rate V, M 14.25 18.25 55 $10/2% $79 N/A $35 PurchaseDate St. George Bank Platinum V, M 14.25 20.49 3.99% p.a. for up to 6 months 55 10 $89 $35 PurchaseDate Institution Product Name Card Type Purchase Rate Cash Adv. Rate Intro Rate Intro Term Balance Transfer Free Days Min Repay Annual Card Fee Annual Rewards Fee Late Payment Fee Interest Charged From St. George Bank Starts Low Stays Low V, M 12.99 12.99 55 $10/2% $59 N/A $35 PurchaseDate St. George Bank Vertigo MasterCard M 11.89 20.49 0% p.a. for 6 months 55 $10/2% $45 N/A $35 PurchaseDate St. George Bank Visa BusinessVantage V 17.15 17.15 55 $10/2% $55 n/a $25 PurchaseDate Suncorp AMEX Gold AMEX 17.49 17.49 55 $69 33 or 59 $30 PurchaseDate Suncorp Suncorp Clear Options Gold V 17.95 17.95 0.99% per annum fixed for 6 months 55 2.5% or $25 whichever is higher $69 Standard - $39 or Premium - $69 $25 PurchaseDate Suncorp Suncorp Clear Options Plus V 18.25 18.25 0.99% per annum fixed for 6 months 55 2.5% or $25 whichever is higher $29 Standard - $39 or Premium- $69 $30 PurchaseDate Sydney Credit Union Low Rate Visa Credit Card V 10.50 10.50 10.50 55 $20 $30 n/a $25 StatementDate Westpac Banking Corporation 55 Day Gold Visa/MasterCard V, M 19.45 21.09 0.00 5 mths 3.99% for 6 months 55 $10 / 2% $90 n/a $35 PurchaseDate Westpac Banking Corporation 55 Day MasterCard/Visa V, M 19.45 21.09 0.00 5 mths 3.99% for 6 months 55 $10 / 2% $30 n/a $35 PurchaseDate Westpac Banking Corporation Altitude M, AMEX 20.74 20.74 0.00 3 mths 3.99% for 6 months 45 $10 / 2% $100 $0 $35 PurchaseDate Westpac Banking Corporation Altitude Business Limited Edition M, AMEX 20.74 20.74 0.00 mths 45 2%/$10 $100 0 $35 PurchaseDate Westpac Banking Corporation Altitude Gold M, AMEX 20.74 20.74 0.00 3 mths 3.99% p.a for 6 months 45 $10/2% $150 $0 $35 PurchaseDate Westpac Banking Corporation Altitude Platinum M, AMEX 20.74 20.74 0.00 3 mths 3.99% for 6 months 45 $10 / 2% $295 0 $35 PurchaseDate Westpac Banking Corporation Earth M, AMEX 17.99 19.24 0.99% p.a. for 6 mths 55 $10 / 2% $75 $0 $35 PurchaseDate Westpac Banking Corporation Earth+ M, AMEX 17.99 19.24 0.99% p.a. for 6 mths (excl. Westpac and Virgin) 55 $10 / 2% $125 $0 $35 PurchaseDate Institution Product Name Card Type Purchase Rate Cash Adv. Rate Intro Rate Intro Term Balance Transfer Free Days Min Repay Annual Card Fee Annual Rewards Fee Late Payment Fee Interest Charged From Westpac Banking Corporation Holden Mastercard M 20.45 20.45 3.99% for 6 months 45 $10 / 2% $55 Nil $35 PurchaseDate Westpac Banking Corporation Low Rate V, M 13.24 19.98 3.99% for 6 months 55 2% $45 n/a $35 PurchaseDate Wizard Home Loans Wizard Clear Advantage 15.74 15.74 4.99% for six months from the date of approval 55 2.5% or $30, whichever is the greater $0 n/a $35 PurchaseDate Wizard Home Loans Wizard Fast AMEX 17.49 16.74 7.99 6 mths 55 3% or $25 whichever is greater $25 $33 $20 PurchaseDate Yes Home Loans American Express LinkPoint AMEX 16.49 16.49 0.00 6 mths 55 Interest Only $25 35 $0 PurchaseDate American Express Blue Sky Credit Card from American Express AMEX 19.99 19.99 6.99 life of balance introductory offer 55 3% or $25 $0 0 $30 PurchaseDate American Express Gold Credit Card AMEX 15.99 15.99 6.99 life of balance introductory offer 55 $30 or 2.5% of total outstanding balance $70 Choices-$40 OR Ascent-$80 $30 PurchaseDate American Express Platinum Credit Card AMEX 19.99 19.99 6.99 life of balance introductory offer 55 $30 or 2.5% whichever is greater $395 Complimentary and Automatic $30 StatementDate American Express Qantas American Express Card AMEX 20.49 20.49 6.99% life of balance 55 3% or $25 whichever is greater $95 n/a $30 PurchaseDate American Express Qantas American Express Premium Card AMEX 20.49 20.49 6.99% life of balance 55 3% or $25 whichever is greater $195 n/a $30 PurchaseDate American Express Qantas American Express Ultimate Card AMEX 20.49 20.49 6.99% life of balance 55 3% or $25 whichever is greater $395 n/a $30 PurchaseDate American Express Rewards Maximiser Gold Credit Card AMEX 20.39 20.39 6.99 life of balance introductory offer 55 3% of total outstanding balance or $25 $192 $0 $30 PurchaseDate AMP Banking AMP Gold Credit Card AMEX 14.89 14.89 7.99% - first transfer only 55 $30/2.5% $70 Ascent $80, Choices $40 $30 PurchaseDate AMP Banking AMP Platinum Credit Card AMEX 18.89 18.89 6.99% - first transfer only 55 $30/2.5% $395 Free (save $80) $30 PurchaseDate ANZ Bank ANZ Balance Visa V 13.99 20.99 55 $10/2% $57 $22 p/card p.a. $35 PurchaseDate Institution Product Name Card Type Purchase Rate Cash Adv. Rate Intro Rate Intro Term Balance Transfer Free Days Min Repay Annual Card Fee Annual Rewards Fee Late Payment Fee Interest Charged From