In 1958, Bank of America in Fresno, California introduced the BankAmericard credit card. The original intent of the card was to simplify the financial processes of merchants. The BankAmericard was available only in California until 1965, when it was licensed in several other states. Bank of America relinquished control of the credit card program to the individual issuers in 1970, and fifteen countries were given licenses for the card in 1972. The various issuers of the BankAmericard came together under the name of Visa in 1975. Visa is a widely recognized name today and is the largest electronic payments network in the world, serving over 170 countries… read more.
* 0% p.a balance transfers for 6 months
* 13.49% p.a. interest rate on purchases
* 1 Reward Point for every $1 you repay to your balance
* Choose how you would like to be rewarded - Cashback, Shopping Vouchers or Gift Cards
* Choose how often you would like to be rewarded - every 3, 6 or 12 months
* $57 Annual Account Fee + $22 Rewards Program Fee (per card)
* $10 additional card holder fee
* 20.74% p.a. interest rate on cash advances
* Up to 55 days interest free
* Up to $15,000 credit limit
Enjoy the freedom to make everyday purchases, pay bills or deal with that unexpected expense, without paying for extras you don’t need.
* $0 Annual Account Fee for the first 12 months
* Introductory offer of 7.99% p.a. on balance transfers for the first 6 months
* Up to 44 days interest free credit on purchases
* Convenience of Visa acceptance at over 24 million locations worldwide
* ANZ Falcon security with 24/7 monitoring of suspicious transactions
* Access to exclusive offers through Visa Entertainment
* Extended Warranty Insurance for up to 12 months, in addition to the Australian manufacturer’s warranty
*90-day Purchase Security Insurance cover for loss, theft or accidental damage for most new personal items purchased
* Comprehensive Overseas Travel and Medical Insurance including coverage for overseas medical expenses, cancellations and loss or damage of luggage
* ANZ Gold Liberty 24 hour dedicated phone service for peace of mind when things don’t go according to plan
* Commission free travellers’ cheques from any ANZ branch in Australia
* No ANZ overseas cash withdrawal fees
* Earn 1 Reward point1 for every $1.50 spent on credit card purchases (excluding cash equivalent transactions); up to a maximum spend of $50,000 per card account per year.
* Earn unlimited Bonus Reward points at Bonus partners Australia wide.
* The choice of over 500 rewards, including merchandise, cash back and shopping vouchers
* ANZ Falcon - provides advanced around the clock monitoring for suspicious transactions. So you can feel secure about purchases online, overseas or over the phone
* Visa Entertainment - Access to special offers exclusive to Visa cardholders
The ultimate for shopping and travel, Platinum is a low interest credit card delivering great value and premium benefits. In addition to a low 14.74% p.a. rate on purchases, Platinum makes life a little easier with access to your own 24×7 Personal Concierge Service as well as a range of complimentary shopping and travel insurances.
* 14.74% p.a. on purchases
* 3.99% p.a. balance transfer rate for up to 6 months
* Low Platinum annual fee of $89
* Free, comprehensive shopping and travel insurances
* 24 x 7 Personal Concierge Service
At last a credit card that gives you a low interest rate of 15.49% p.a. on purchases. Apply now and you’ll also receive 2.9% p.a. for 6 months on Balance Transfers.
With Citibank Clear Card, the choice has never been clearer:
* 15.49% p.a. ongoing on purchases
* 2.9% for 6 months on Balance Transfers
* Access your account anywhere, anytime via Internet and phone banking
* Up to 55 days interest free on retail purchases
Apply Online Now. Click through for full product terms and conditions.
Access to Citibank World Privileges
Generous credit limit of up to $25,000
Keep you finances afloat with a lighter interest rate of 2.9% p.a. for 12 months on balance transfer. Simply transfer the outstanding amount from your non-Citibank credit and store cards, to your new Citibank Gold Card, and enjoy a low 1.9% p.a for 9 months on balance transfers.
* Free International Travel Insurance - Automatically covers you and your family when you buy your travel tickets with your Citibank Gold Card
* Automatic FREE access to a superior Rewards Program - You’ll earn Reward points every time you use your Citibank Credit Card, which you can choose to redeem for a great range of items and vouchers, including Qantas Frequent Flyer points
* Access to Citibank World Privileges - It’s your passport to exclusive upgrades, benefits and discounts at thousands of hotels, restaurants, shops, shows and services worldwide
* Generous credit limit up to $25,000
* Up to 55 Days Interest-free on retail purchases
* FRAUD SHIELD - the fraud department checks any unusual activity to detect early signs of fraud and will contact you to check when they spot irregular purchases
Apply Online Now. Click through for full product terms and conditions.
Enjoy the freedom and luxury of higher levels of credit, exclusive privileges and an extensive choice of rewards no other credit card can match.
* Credit limit up to $100,000
* 4.9% p.a. on the life of balance transfers - Transfer your outstanding balances from other credit or store cards and you’ll enjoy a low 4.9% p.a. until you have paid off the entire balance
* 24/7 Personal Concierge Service - Enjoy the privilege and convenience of a personal concierge service to provide you with information and assistance for both business and pleasure. The service is available from anywhere in the world, 24 hours a day 7 days a week
* Free international travel insurance - Automatically covers you and your family when you buy your travel tickets with your Citibank Platinum Card. Your cover includes medical and unexpected travel expenses, trip cancellation, personal liability and loss of damage to personal items
* Personalised rewards program - With Citibank Platinum you’ll never be limited by a rewards catalogue
Apply Online Now. Click through for full product terms and conditions.
Citibank Silver gives you automatic benefits and a security guarantee.
* 2.9% for 12 months on balance transfers
* Up to 55 days interest-free on purchases
* To reduce the interest paid on the life of balances you transfer
* Generous credit limits of up to $7,500
* Low annual fees for primary and additional cardholders
* Free Rewards program1 with points that never expire and the option of Qantas Frequent Flyer Points
* Free purchase cover insurance for lost, stolen or damaged goods
* Extra security with a photo card, digital signature and Fraudshield protection
Apply Online Now. Click through for full product terms and conditions.
* A low $42 annual fee for the first year and $85 thereafter
* 0.99% p.a. on balance transfers for 6 months
All the features of a low rate card with the added benefits of a platinum card, like; entertainment offers, concierge service, retail discounts, and complementary international travel insurance
Better manage your cash flow with up to $60,000 credit limit, and 2.9% p.a. on balances transfers for 9 months*. Reward yourself for your hard work with 1.5 reward points for every $1 spent and a personalised rewards program. Add to that free international travel insurance and the CitiBusiness Gold Card is a better deal for your business.
* 2.99% p.a. purchases and balance transfers for 9 months
* 5,000 bonus Rewards points after your first retail spend
* 1.5 Rewards points per $1 spend on the card
* Generous credit limit of up to $60,000
* Complimentary Business Concierge service
* Complimentary International travel insurance
Sometimes, wishes do come true. With $0 annual fee, travel insurance^ and reward points earned for every dollar you spend on purchases#, the HSBC Gold Credit Card is everything you could wish for in a credit card.
The ultimate for shopping and travel, Platinum is a low interest credit card delivering great value and premium benefits. In addition to a low 14.99% p.a. rate on purchases, Platinum makes life a little easier with access to your own 24×7 Personal Concierge Service as well as a range of complimentary shopping and travel insurances.
* 14.99% p.a. on purchases
* 3.99% balance transfer rate for up to 6 months
* Low Platinum annual fee of $89
* Free, comprehensive shopping and travel insurances
* 24 x 7 Personal Concierge Service
Smart Cards
Visa Smart Cards contain electronic chips that store encrypted information. Smart Cards offer more security than credit or debit cards with magnetic strips. Identity thieves can copy the information from magnetic strips, but electronic chips are safe from this practice. When used in combination with a personalized identification number (PIN), Smart Cards offer a much higher level of security than the typical credit or debit card. Smart Cards can be used around the world. The South Pacific alone hosts more than 1,680,000 chip-enabled point-of-service payment terminals.
Verified by Visa
Verified by Visa, introduced in 2002, is another program that enhances the cardholder’s security. Online purchases require the use of a password in order to complete the transaction. This guards against unauthorised use of Visa credit and debit cards. Cardholders register their Verified by Visa password and can immediately have added protection when making purchases from Verified by Visa merchants.
Visa payWave
Visa cardholders can “Wave, pay, and go” with a Visa payWave card. PayWave is a contactless way to make payments, making merchant transactions quicker and more convenient. The payWave system uses Near-Field Communication (NFC) technology to transmit and receive transaction information. Instead of swiping a credit or debit card through a card reader and then entering a PIN, the user positions the payWave card in front of the payWave reader, and the transaction is complete. Several Asia Pacific countries have incorporated the use of payWave through contactless-enabled phones, PDA’s, and other USB devices.
Visa Travel Money
Visa Travel Money allows cardholders to have access to cash for expenses in foreign countries. Travel Money cards are available in various amounts. They are prepaid and are disposal after the cash amount is exhausted. Cardholders can purchase up to nine Travel Money cards at one time, giving themselves access to a larger amount of cash or allowing their traveling companions to use one or more of the cards. Visa Travel Money cards require the cardholder to enter a PIN with each transaction, increasing the security of the card.
Other Services
Visa offers credit and debit cards to businesses, corporations, and government institutions. Visa cards allow more detailed monitoring of financial transactions while providing a high level of security.
Visa Global Customer Assistance is available 24-four hours a day. Cardholders can call the toll-free number for instant access to ATM location information, travel and medical assistance, and to report lost or stolen cards.
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