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Compare Credit cards

Select the Community CPS MasterCard® credit card to suit your personal needs is easy with this useful comparison table!

The Low Rate Mastercard® and the Rewards Mastercard® both have varying benefits, such as a low rate or a rewards program. Both credit cards offer complimentary purchase cover and interntaional insurance.

Which card should I choose? If:

Low Rate MasterCard®

Rewards MasterCard®

Platinium MasterCard®

I always pay my balance off in full each month

Na

The Community CPS Rewards MasterCard® offers a competitive rewards program and complimentary International Travel Insurance.

The Community CPS Platinum MasterCard® offers a higher level of points for the rewards program and a large range of International Concierge Services to help you while you are travelling.

I usually have an outstanding balance

The Community CPS Low Rate MasterCard offers a low interest rate and low annual fees to help you pay off your outstanding balance faster.

Na

Na




 

Compare card features

Low Rate MasterCard®

Rewards MasterCard®

 

Annual Fee1

$75

$90

$179

Additional Cardholders

Yes
up to 4 additional cards FREE.

Yes
up to 4 additional Card at $15 each p.a.

Yes
up to 4 additional Cards at no extra cost

Reward Program2

No
Yes
$1= 1 point
Points do not expire
Yes
$1= 1.25 point
Points do not expire

Interest Free Days3

Yes, up to 55 days

Yes, up to 55 days

Yes, up to 55 days

Credit Limit4

Up to $15,000

Up to $25,000

Uo to $60,000

Complimentary Purchase Cover Insurance5

Yes

Yes

Yes

Complimentary International Travel Insurance5

No

Yes

Yes

Fraudshield®

Yes

Yes 

Yes

Exclusive Concierge Services

No

No

Concierge Services include:

 

  • Domestic and International Concierge Assistance Services
  • International Medical and Emergency Assistance
  • International Travel Assistance



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Important Information

Terms, conditions, fees and charges apply and are available upon request. Final approval of your MasterCard® application will be subject to satisfying Card Services Credit Criteria. By applying you are acknowledging receipt of the Credit Guide and Credit Proposal documents.
1
. Annual fees attract interest at the retail purchases rate. 2. All rewards are subject to the Terms and Conditions of the Card Services Rewards Program. Reward points are not earned on cash advances, special promotions or balance transfers. Reward points never expire while the account remains open and provided your credit is in good order. 3. The maximum 55 days interest free period applies when you pay your balance off in full for two consecutive months. If you carry a balance on your credit card from month to month the 55 days interest-free period does not apply and you are charged interest once you make a purchase. No interest free period is available on Cash Advances or Balance Transfers. 4. Actual Credit Limit will be assigned based on Card Services’ credit criteria, which includes assessment of your credit rating and income. 5Complimentary Insurance is provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian Credit Licence No. 238098, and are subject to Terms and Conditions and exclusions available at www.cardservicesdirect.com.au. An excess applies to Purchase Cover Insurance.

MasterCard® is the registered trademark of MasterCard® International Incorporated. ©2011 Card Services is a division of Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian Credit Licence 238098 which provides and administers credit.