Community CPS Platinum MasterCard®

Earn points when you spend using your Platinum MasterCard®, and access exclusive services when travelling overseas.

Features

• Earn 1.25 reward points per dollar spent on everyday purchases with the Card Services Rewards Program¹. Plus your points will never expire while the account remains open.
• Up to 55 days interest free on retail purchases².
• Credit limit up to $60,000³.
• Share the benefits and maximise your reward points with up to four additional cards at no added cost.
• Added protection with Fraudshield® to monitor your card for irregular transactions.
• Access to funds worldwide at over 31 million establishments or by using ATMs and EFTPOS.
• Access Concierge Services exclusive to Community CPS Platinum MasterCard®. Including:
  • Domestic & International Concierge Assistance: book hotels, tickets and more for you.
  • International Medical & Emergency Assistance: assist in arranging medical services for you.
  • International Travel Assistance: pre-trip information, interpreter and embassy referrals, lost luggage and passport assistance.

Rates & Fees

• An annual card fee of $179⁵
• MasterCard Rate and Fee Guide
  

Extras

• Complimentary purchase cover⁴ on new items that are lost, stolen or damaged within three months of purchase using your Community CPS Platinum MasterCard®.
• Complimentary international travel insurance⁴ covering you and your family for unexpected flight cancellations and delays, medical expenses, loss or damage to personal items, rental vehicle excess and much more.
• Transfer balances from other credit cards to your Community CPS Platinum MasterCard and you'll save with a special low interest rate of 0.0%p.a. for the first 9 months of the balance transfer⁵ so you can pay off your debts faster.

Useful Links

• MasterCard Rewards Online
• MasterCard Application Form 
• Ensure you have read the Credit Guide and Credit Proposal Document.
• Balance Transfer Form. 

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 our Credit Guide and Credit Proposal documents.
1. 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.
2. 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.
3. Actual Credit Limit will be assigned based on Card Services’ credit criteria, your credit rating, and subject to confirmation that you earn a minimum of $50,000 for the Platinum card. Credit limit is $60,000 on Platinum at point of initial approval. Over time, you may apply to increase your credit limit if you satisfy our credit criteria.
4. Complimentary 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, and are subject to Terms and Conditions and exclusions available at www.cardservicesdirect.com.au. An excess applies to Purchase Cover Insurance.
5. The promotional rate of 0.0% p.a. applies for 9 months on balances transferred with this offer. Transferred balances will be repaid first during this period. Annual fees attract interest at the retail purchases rate. Outstanding transferred balances at the end of the promotional period will revert to the standard cash advance rate. To be eligible for the offer, you need to apply for the Community CPS Platinum MasterCard by 31/7/2012. Approved members only. The 9 month promotional period commences once balance transfer is processed. Any transactions made other than balance transfers in connection with this offer are at the standard variable credit card rates, currently 20.24% p.a. for retail purchases and 21.24% p.a. for cash advances. Interest rates are variable, subject to change and our credit criteria. The interest rates are current as at 1/02/12. This offer ends 31/7/2012.
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.