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 Westpac Banking Corporation Altitude Business Limited Edition M, AMEX 18.99 19.99 45 2 $100 0 $35 Purchase Date Westpac Banking Corporation Westpac 55 Day V, M 18.59 20.49 0.00 5 mths 3.99 55 2 $30 n/a $35 PurchaseDate Westpac Banking Corporation Westpac 55 Day Gold V, M 18.59 20.49 mths 3.99 55 2 $90 n/a $35 PurchaseDate Westpac Banking Corporation Westpac 55 Day Platinum Visa V 18.59 20.49 mths 55 2 $130 n/a $35 PurchaseDate Westpac Banking Corporation Westpac Altitude V, M, AMEX 18.79 20.69 mths 3.99 45 2 $100 0 $35 PurchaseDate Westpac Banking Corporation Westpac Altitude Gold V, M, AMEX 18.79 20.69 mths 3.99 45 2 $150 0 $35 PurchaseDate Westpac Banking Corporation Westpac Altitude Platinum V, M, AMEX 18.79 20.69 mths 3.99 45 2 $295 0 $35 PurchaseDate Westpac Banking Corporation Westpac BusinessChoice Everyday Card V, M 13.99 19.70 mths 45 3.00 $75 n/a $35 PurchaseDate Westpac Banking Corporation Westpac BusinessChoice Rewards Card V, M 17.99 17.99 mths 45 2.00 $150 82.50 $35 PurchaseDate Westpac Banking Corporation Westpac Earth M, AMEX 18.79 20.29 mths 0.99 45 2 $75 0 $35 PurchaseDate Westpac Banking Corporation Westpac Earth Gold M, AMEX 18.79 20.29 mths 0.99 45 2 $125 0 $35 PurchaseDate Westpac Banking Corporation Westpac Earth Platinum M, AMEX 18.79 20.29 mths 0.99 45 2 $250 0 $35 PurchaseDate Westpac Banking Corporation Westpac GM Holden Mastercard M 19.95 19.95 mths 3.99 55 2 $55 0 $35 PurchaseDate Westpac Banking Corporation Westpac Low Rate V, M 12.49 20.49 mths 3.99 55 2 $45 n/a $35 PurchaseDate American Express American Express Blue Sky Credit Card AMEX 19.99 mths 55 2.5 $0 0 $30 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 American Express American Express Gold Ascent Credit Card AMEX 19.99 mths 44 2.5 $0 0 $30 PurchaseDate American Express American Express Platinum Credit Card AMEX 19.99 mths 55 2.50 $395 0 $30 PurchaseDate American Express American Express Platinum MoneyBack Credit Card AMEX 19.99 mths 44 2.50 $99 0 $0 PurchaseDate American Express David Jones American Express Card AMEX 19.74 mths 56 2.5 $99 0 $30 StatementDate American Express Qantas American Express Classic Card AMEX 19.99 mths 44 3 $149 $30 PurchaseDate American Express Qantas American Express Premium Card AMEX 19.99 mths 44 3 $249 $30 PurchaseDate American Express Qantas American Express Ultimate Card AMEX 19.99 mths 44 2.5 $450 $30 PurchaseDate AMP Banking AMP Gold Credit Card AMEX 16.99 20.99 mths 55 2.5 $70 80 $30 PurchaseDate AMP Banking AMP Platinum Credit Card AMEX 18.99 20.99 mths 55 2.5 $395 0 $30 PurchaseDate ANZ Bank ANZ Balance Visa V 13.49 20.74 mths 0.00 55 2 $79 22 $35 PurchaseDate ANZ Bank ANZ Business One Cash Rewards V 18.35 18.75 mths 40 2.00 $130 60 $35 StatementDate ANZ Bank ANZ Business One Interest Free Days V 17.84 18.24 mths 44 2.00 $130 n/a $35 StatementDate ANZ Bank ANZ First Visa V 18.24 19.99 mths 7.99 44 2 $30 n/a $35 PurchaseDate ANZ Bank ANZ Frequent Flyer V, AMEX 18.74 19.99 mths 44 2 $95 55 $35 PurchaseDate ANZ Bank ANZ Frequent Flyer Gold V, AMEX 18.74 19.99 mths 55 2 $195 55 $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 ANZ Bank ANZ Frequent Flyer Platinum V, AMEX 18.74 19.99 mths 55 2 $295 55 $35 PurchaseDate ANZ Bank ANZ Gold V 18.24 19.99 mths 55 2 $87 n/a $35 PurchaseDate ANZ Bank ANZ Low Rate MasterCard M 12.49 20.74 mths 0.00 55 2 $58 n/a $35 PurchaseDate ANZ Bank ANZ Low Rate MasterCard - Special Offer M 12.49 20.74 mths 2.9 55 2 $58 n/a $35 PurchaseDate ANZ Bank ANZ Rewards Visa V 18.74 19.99 mths 44 2 $48 22 $35 PurchaseDate ANZ Bank ANZ Rewards Visa Gold V 18.74 19.99 mths 55 2 $79 22 $35 PurchaseDate Aussie Aussie MasterCard M 12.29 18.79 2.99 6 mths 2.99 55 2 $49 n/a $35 PurchaseDate Bananacoast Community Credit Union BCU Bonus Rewarder V 16.05 16.05 mths 55 3 $59 0 $25 PurchaseDate Bananacoast Community Credit Union BCU Classic Visa V 11.05 11.05 mths 55 3 $45 n/a $25 PurchaseDate Bank of Queensland BOQ Blue Visa Card V 19.49 19.99 mths 55 2.00 $55 $30 PurchaseDate Bank of Queensland BOQ Gold Visa Card V 19.49 19.99 mths 55 2.00 $120 0.00 $30 PurchaseDate Bank of Queensland BOQ Low Rate Visa Card V 12.74 20.49 mths 55 2.00 $55 n/a $30 PurchaseDate Bank of Queensland BOQ Platinum Visa Card V 19.49 19.99 mths 55 0 $199 0 $30 PurchaseDate BankWest Bankwest Business MasterCard Large Rewards M 15.99 15.99 mths 7.99 55 2 $69 79 $35 PurchaseDate BankWest Bankwest Business MasterCard Low Rate M 11.99 11.99 7.99 6 mths 7.99 45 2 $39 69 $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 BankWest Bankwest Corporate MasterCard M 15.99 15.99 mths 50 2 $39 69 $35 PurchaseDate BankWest Bankwest Lite Gold MasterCard M 9.99 20.99 mths 1.99 55 2 $89 0 $35 PurchaseDate BankWest Bankwest Lite MasterCard M 9.99 20.99 mths 1.99 55 2 $59 0 $35 PurchaseDate BankWest Bankwest Lite Platinum MasterCard M 9.99 20.99 mths 1.99 55 2 $120 0 $35 PurchaseDate BankWest Bankwest More Gold MasterCard M 18.24 20.99 mths 55 2 $120 0 $35 PurchaseDate BankWest Bankwest More MasterCard M 18.24 20.99 mths 55 2 $89 0 $35 PurchaseDate BankWest Bankwest More Platinum MasterCard M 17.99 20.99 mths 55 2 $190 0 $35 PurchaseDate BankWest Bankwest Zero Gold MasterCard M 15.99 15.99 mths 1.99 55 2 $0 0 $35 PurchaseDate BankWest Bankwest Zero MasterCard M 15.99 15.99 mths 1.99 55 2 $0 0 $35 PurchaseDate BankWest Bankwest Zero Platinum MasterCard M 15.99 15.99 mths 1.99 55 2 $0 0 $35 PurchaseDate BankWest Business extra Visa V 19.00 20.49 40 2%/$20 $140 16.00 annually per card $35 PurchaseDate Citibank BP-Citi Mastercard M 20.39 20.39 mths 2.9 55 2 $79 0 $40 PurchaseDate Citibank Citibank Cash Back Card V 20.74 20.99 mths 0 55 2 $69 0 $40 PurchaseDate Citibank Citibank Clear Card V 15.49 20.99 mths 2.90 55 2 $65 0 $40 PurchaseDate Citibank Citibank Clear Platinum Card V 11.49 20.99 0.99 6 mths 0.99 55 2 $85 0 $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 Citibank Citibank Gold Card V, M 20.49 20.99 mths 1.9 55 2 $119 0 $40 PurchaseDate Citibank Citibank Platinum Card V 20.49 20.99 mths 4.9 55 2 $250 $40 PurchaseDate Citibank Citibank Silver Card V, M 20.49 20.99 mths 2.9 55 2 $69 $40 PurchaseDate Citibank CitiBusiness Gold Card V 20.49 20.99 0.00 3 mths 0 55 2 $130 0 $40 PurchaseDate Citibank Emirates Citi Platinum Card M 20.49 20.49 mths 3.9 55 2 $199 0 $40 PurchaseDate Commonwealth Bank Commonwealth Bank Awards Credit Card M, AMEX 19.74 20.74 mths 5.99 55 2 $89 0 $25 PurchaseDate Commonwealth Bank Commonwealth Bank Gold Credit Card M, AMEX 19.74 20.74 mths 5.99 55 2 $144 0 $25 PurchaseDate Commonwealth Bank Commonwealth Bank Low Fee Credit Card M 19.24 20.74 mths 5.99 55 2 $24 n/a $25 PurchaseDate Commonwealth Bank Commonwealth Bank Low Rate Credit Card M 12.49 20.74 mths 5.99 55 2.00 $48 n/a $25 PurchaseDate Commonwealth Bank Commonwealth Bank Platinum Credit Card M, AMEX 19.74 20.74 mths 5.99 55 2 $280 0 $25 PurchaseDate Commonwealth Bank Commonwealth Business Credit Card - Interest Free Days Option M 16.07 mths 55 2.5 $60 $25 PurchaseDate Community First Credit Union Community First Visa Credit Card V 10.50 10.50 mths 55 3 $40 n/a $25 PurchaseDate Community First Credit Union McGrath Pink Visa Card V 10.50 10.50 mths 55 3 $40 n/a $25 PurchaseDate CUA CUA Gold Rewards MasterCard M 18.74 17.99 mths 4.90 55 2 $85 0 $15 PurchaseDate CUA CUA Low Rate MasterCard - Gold M 11.85 11.85 4.90 6 mths 4.9 55 2.00 $85 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 CUA Low Rate MasterCard - Silver M 11.85 11.85 4.90 6 mths 4.9 55 2 $45 n/a $40 PurchaseDate CUA CUA Silver Rewards MasterCard M 18.74 17.99 mths 4.9 55 2 $45 0 $15 PurchaseDate Encompass Credit Union Encompass Credit Card V 14.25 20.25 mths 55 3 $36 n/a $25 PurchaseDate Ford Co operative Credit Union Low Rate Mastercard Silver M 11.85 19.49 4.99 for 6 months 55 2% *or* $20 $35 n/a $15 Purchase Date GE Money Coles Group Source MasterCard M 18.99 21.99 mths 0 62 2.22 $0 0 $35 PurchaseDate GE Money GE Money GO Business MasterCard M 18.99 23.99 mths 62 3 $40 0 $35 PurchaseDate GE Money GE Money GO MasterCard M 19.99 29.49 mths 62 3 $0 0 $35 PurchaseDate GE Money GE Money Low Rate MasterCard M 14.99 20.49 mths 4.99 55 2.22 $58 n/a $35 PurchaseDate GE Money Myer Visa Card V 19.49 19.49 mths 62 2.22 $39 0 $35 PurchaseDate HSBC HSBC Credit Card V 16.99 19.99 mths 55 3 $0 0 $30 PurchaseDate HSBC HSBC Gold Credit Card V 18.99 21.75 mths 5.99 45 3.0 $89 0 $30 PurchaseDate HSBC HSBC Platinum Credit Card V 18.49 19.99 mths 5.99 45 3 $129 0 $30 PurchaseDate IMB IMB Low Rate MasterCard M 11.85 11.85 mths 4.9 55 3 $55 n/a $40 PurchaseDate IMB IMB Reward Mastercard M 20.24 20.24 mths 4.9 55 3 $55 0 $40 PurchaseDate Intech Credit Union Limited Intech Credit Union Titanium 55 V 11.80 11.80 mths 55 3 $36 n/a $20 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 Macquarie Bank Macquarie Bank Platinum Card V 19.45 20.45 mths 0 55 2 $200 0 $40 PurchaseDate Macquarie Bank Macquarie Bank RateSaver Card V 12.45 19.45 mths 0 55 1.5 $50 n/a $40 PurchaseDate Members Equity Bank Members Equity MasterCard M 10.99 10.99 mths 44 3 $39 n/a $25 PurchaseDate NAB NAB Gold Card V, M 18.49 18.49 mths 44 2.5 $90 $30 PurchaseDate NAB NAB Low Rate Visa Card V 11.74 19.99 mths 0.00 55 2.5 $49 n/a $30 PurchaseDate NAB NAB Qantas Gold Card V, M, AMEX 18.74 18.74 mths 6.99 44 2.5 $145.5 $30 PurchaseDate NAB NAB Qantas Platinum Card V, AMEX 18.74 18.74 mths 6.99 44 2.5 $290 $30 PurchaseDate NAB NAB Standard Card V, M 18.49 18.49 mths 0 44 2.50 $30 0 $30 PurchaseDate NAB NAB Velocity Business American Express Card AMEX 17.50 mths 55 2.5 $149 n/a $30 PurchaseDate NAB NAB Visa Mini Credit Card V 18.74 18.74 mths 5.9 55 2.5 $24 n/a $30 PurchaseDate NAB Velocity NAB Gold Card V, AMEX 18.74 18.74 mths 3.99 44 2.5 $150 0 $30 PurchaseDate NAB Velocity NAB Standard Card V, AMEX 18.74 18.74 mths 3.99 44 2.5 $65 0 $30 PurchaseDate Newcastle Permanent Building Society Newcastle Permanent Value+ V 11.34 15.84 11.34 mths 15.84 55 3.00 $45 n/a $25 PurchaseDate NSW Teachers Credit Union Teachers Credit Union Credit Card V 11.50 11.50 7.90 6 mths 55 3 $0 n/a $25 PurchaseDate Police Department Employees Credit Union Police Credit Union Visa Credit Card V 11.20 11.20 mths 55 2.5 $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 St. George Bank BusinessVantage Visa Card V 17.15 17.15 mths 55 2 $55 n/a $35 PurchaseDate St. George Bank St.George Gold Low Rate V, M 14.99 18.99 mths 55 2 $79 $9 PurchaseDate St. George Bank St.George Platinum V, M 14.99 20.49 mths 3.99 55 2 $89 $9 PurchaseDate St. George Bank St.George Starts Low Stays Low V, M 12.24 12.24 mths 55 2 $69 0 $35 PurchaseDate St. George Bank St.George Vertigo MasterCard M 11.74 20.49 mths 2.99 55 2 $55 0 $9 PurchaseDate St. George Bank Visa BusinessVantage V 17.15 17.15 55 $10/2% $55 n/a $25 PurchaseDate Suncorp Suncorp AMEX Gold Credit Card AMEX 17.49 17.49 mths 55 2.5 $70 80 $30 PurchaseDate Suncorp Suncorp Clear Options Gold V 18.75 19.75 mths 1.9 55 2.5 $99 0 $40 PurchaseDate Suncorp Suncorp Clear Options Platinum V 19.99 19.99 mths 3.9 55 2.5 $205 0 $40 PurchaseDate Suncorp Suncorp Clear Options Plus V 18.99 19.99 mths 2.9 55 2.5 $63 0 $40 PurchaseDate Sydney Credit Union SCU Low Rate Visa Credit Card V 10.64 10.64 mths 55 2.5 $30 n/a $25 StatementDate