Bank of Queensland -

BOQ Low Rate Visa Card

Access up to 60% of your available credit with a Cash Instalment Plan of 7.99% p.a. for 36 months.

This is not a balance transfer offer. There is no promotional rate for balance transfers for this offer.

Eligibility Requirements

Australian Permanent Resident
Minimum 18 years of age
Minimum yearly income of $35,000 for Platinum applicants and $25,000 for Blue and Low Rate applicants.
Minimum Credit Limit.
  − Platinum $6,000
  − Blue $2,000
  − Low Rate $2,000
Maximum Credit Limit.
  − Platinum $100,000
  − Blue $50,000
  − Low Rate $30,000
Based on information you have provided and our credit assessment, your assigned credit limit may be lower than the amount you have requested.
Good credit rating

BOQ Low Rate Visa Card

Access up to 60% of your available credit with a Cash Instalment Plan of 7.99% p.a. for 36 months.

This is not a balance transfer offer. There is no promotional rate for balance transfers for this offer.

Eligibility Requirements

• Australian Permanent Resident

• Minimum 18 years of age

• Minimum yearly income of $35,000 for Platinum applicants and $25,000 for Blue and Low Rate applicants.

• Minimum Credit Limit
  − Platinum $6,000
  − Blue $2,000
  − Low Rate $2,000

• Maximum Credit Limit.
  − Platinum $100,000
  − Blue $50,000
  − Low Rate $30,000
Based on information you have provided and our credit assessment, your assigned credit limit may be lower than the amount you have requested.

• Good credit rating

Electronic Communication Consent

1. You consent to XXX and Citi communicating electronically with you about the account(s). You nominate and authorise XXX and Citi to act on instructions it has received electronically. This consent and authority will apply to all communications permitted to take place electronically by law (including any applicable industry Code or Code of Conduct) including but not limited to:

(a) statements of your account;
(b) notices and other documents from us to you about your account;
(c) variations to the contract relating to your account; and
(d) notices from you to us.

2. We will rely on this consent to communicate with you by:

(a) electronic mail(email) to the e-mail address that you have notified to us;
(b) making a notice or other document available for you to access on our website;
(c) any other method of electronic communication; and/or
(d) ordinary mail to the address on our records.for example, we will send a email to your email addrress each month to tell you tha tstatemeents of your account can be viewed online.

3. By giving this consent, we are no longer required to send you notices or other documents in paper form for the account.

4. You must ensure that:

(a) you check your email regularly for notices and other communication from us;
(b) your email address remains current (or otherwise notified to us); and
(c) emails from us to your email address are not blocked.

5. We rely on you to keep your nominated e-mail or physical (street) address details up-to-date and to notify us when they change.

6. Providing you with electronic statements does not alter your obligations under any terms and conditions of the account. You can print and save a copy of any notice or other document provided to you electronically. You are responsible for ensuring that you maintain the appropriate software and hardware, including printer, to access, view, retrieve, print and save a copy of such documents. To see and keep the information subject to this consent, you will need a web browser that meets our site security requirements. If you are a PC user, you will need Microsoft Internet Explorer 4.0 (or higher).

7. Returning to Paper Statements: You can go back to receiving paper notices and other documents by calling us on 13 37 39 or by notifying us in writing withdrawing this consent. lf you decide to return to paper notices and other documents, you are asking to receive those documents on paper, delivered by post to your nominated street address.

Balance Transfer Terms and Conditions

1. If at the end of the Balance Transfer (BT) period any portion of the BT amount is still owing, the amount will attract interest at the prevailing Annual Percentage Rate for cash advances.

2. We may refuse to accept and process a BT request where it is less than $500, where it is to another Citigroup or account, where it is to a foreign currency account, where it is to an offshore account or where it is to an account that is not in the name of the Primary Account holder.

3. We will process the BTs specified by you, in the order you have nominated, in full or part, as determined by us and your available Credit Limit. We may limit BTs to a percentage of your Credit Limit. Once your Account is activated, BT requests can take up to 10 business days to be received at the other financial institution. We are not responsible for any delays whether by us or any other institution. You should continue to make payments to your nominated accounts as any remaining balances will be your responsibility.

4. BTs do not earn Velocity Points.

5. You will not get the benefit of or be eligible for any interest free days on purchases while you have a BT outstanding on your account.

Privacy Consent and Notifications

In this section 'we/us' means Citigroup Pty Limited and XXX Pty Limited and each of our related companies that assist us to provide our services and 'you/your' means all borrowers named in this application.

Purposes for which we collect, use and disclose your personal information

1) We collect, use and disclose your personal information:

to assess this application and future applications and to administer your credit facilities and related services;
to conduct reviews of your facility;
to comply with applicable laws both in Australia and overseas including (a) the National Consumer Credit Protection Act; (b) the Anti-Money Laundering and Counter-Terrorism Financing Act; (c) State and Territory property legislation and other property-related laws (for example, to register and search for security interests); and
for other purposes as listed in our Privacy Policy and our Credit Reporting Policy.

If you do not provide us with the information we may not be able to assess your application or administer the products or services that you are seeking.

2) We usually collect your personal information directly from you. However, we may need to collect personal information about you from third parties for example, in order to assist us to process your application or to locate or communicate with you.

Disclosures of your personal information

3) We may disclose to, and obtain personal information about you from:

Our affiliates, sales agents and organisations that carry out functions on our behalf including card schemes, mailing houses, data processors and collection agents.
other credit providers;
any signatory or guarantor to the facility for which you are applying;
any broker, financial, legal or other adviser acting in connection with your facility or application;
regulatory and tax authorities in Australia and overseas
credit reporting bodies (see 'Exchange of information with credit reporting bodies' below);
any insurer relating to your facility;
organisations wishing to acquire an interest in any part of Our business; and
further set out in our Privacy Policy and Credit Reporting Policy.

If you do not provide us with the information we may not be able to assess your application or administer the products or services that you are seeking.

Disclosures to overseas recipients

4) Some of the recipients to whom we disclose your personal information may be based overseas. It is not practicable to list every country in which such recipients are located but it is likely that such countries will include the United States of America, India, the Philippines and Singapore. By consenting to us disclosing your personal information to overseas recipients, you agree that Australian Privacy Principle 8.1 shall not apply to the disclosure, meaning that we will not be obliged under the Privacy Act to ensure that an overseas recipient does not breach the Australian Privacy Principles and we will not be liable under the Privacy Act if the recipient does not act consistently with the Australian Privacy Principles. By completing this application you consent to such overseas disclosures.

Exchange of information with credit reporting bodies and other information services

5) If you have made an application for commercial credit, or have obtained commercial credit from us, you agree that we can obtain credit reporting information about you from a CRB for the purposes of assessing any application for commercial credit and collecting payments that are overdue in relation to commercial credit. You also agree that we can obtain, from any business providing information about commercial credit-worthiness, commercial credit reports about you for the purposes of assessing applications for consumer or commercial credit.

6) We may disclose personal information about you (including credit information, such as details about the credit that we provide to you, your repayment history and any repayment defaults) to, and obtain credit reporting information about you from, credit reporting bodies (CRBs). Our Credit Reporting Policy contains information about credit reporting, including the CRBs with which we may share your personal information, their contact details, the type of credit reporting information we share, and your rights in relation to them.

7) We have the right to conduct reviews of your facility from time to time and at its sole discretion. You acknowledge that we will provide personal information to a credit reporting body as permitted by the Privacy Act for each review and that a credit report may be obtained from a credit reporting body for the purpose of any such review.

Our Policies (including how to access and correct information and make a complaint)

8) You can view our Privacy Policy or Credit Reporting Policy on our website at https://XXXXX or obtain copies by calling us on 13 37 39. These policies include information as to how you can access and/or seek correction of the personal information we hold about you. Our Privacy Policy and Credit Reporting Policy also contain information as to how you can complain about a breach by us of the Privacy Act (including the credit reporting provisions in Part IIIA and the Credit Reporting Code) and how we will deal with such a complaint.

Your Marketing Communications Preferences

9) By completing this application you agree, its affiliate companies and their partners may use your personal information to keep you informed about other products, services and offers which may be of interest to you. They may do this by phone, mail, email and SMS or other electronic messages (without an unsubscribe facility). These consents operate indefinitely and shall remain in effect unless and until you notify us that you do not want to receive such communications. If you do not wish to receive these communications please notify us in writing or by phone on 13 37 39. Note: If you have not told us that you do not wish to receive these communications by phone, you may be contacted even if you have registered your phone number on the national Do Not Call Register.

Verification

10) Your telephone calls and conversations with a XXX representative may be recorded and monitored for quality, training and verification purposes.

Contacting us

11) If you wish to find out more information, or raise any specific or general concerns about us and our Privacy Policies, the contact details are as follows:

CitiPO Box 204,
Sydney NSW 2001
Telephone: 13 24 84
Email:privacy.officer@citi.com.au

XXX
Privacy Officer,
Level 8, 126 Phillip Street
Sydney, NSW 2000
Telephone: 13 37 39
Email Address:privacy@XXX.com.au

Declaration

When I click "submit" I'm confirming that:

This credit facility is for my personal use
I'm an Australian resident and I'm over 18 years of age
I completed this credit application and all the information is truthful and complete
I've read and agree with the Privacy Consent
I'm happy for my employer/ accountant to share my income information with XXX or its representatives, so they can assess my application for a XXX account
If I don't qualify for the card I have selected, you may process this as an application for another card, which may have different product features including interest rates.
Once approved I'd like XXX to rush a card to me and my additional cardholders.

Please provide most recent payslip or 2 years Tax Assessment Notices if self-employed. It'll help us process your application.

Please note that subject to your acceptance you will be charged an annual account fee which is currently $99 for the Primary Low Rate Credit Card, and $29 for an Additional Low Rate Credit Card. $129 for the Primary Flyer Credit Card, and $39 for an Additional Flyer Credit Card. $289 for the Primary High Flyer Credit Card, and $89 for an Additional High Flyer Credit Card. There is no annual account fee for the Primary or Additional No Annual Fee Credit Cards. Allow up to 15 working days to process your Application subject to verification. Money may check employment details/income with your employer or accountant named above.