NAB Credit Cards

NAB, The National Bank of Australia is one of the largest financial provider of credit cards and other forms of finance in Australia.

NAB Credit Card Comparison

			Interest Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Cash Advance Rate (p.a.)
	NAB Gold Card	Benefit from gold credit card advantages including travel insurance, higher credit limits and VIP Lost card cover.	19.49%	1% for 12 months	$90	21.74%
	NAB flybuys Rewards Card	Earn up to 10,000 flybuys bonus points. Also 1 point for every $1 you spend on your everyday purchases. Offer ends 15 June 2012.	19.49%	4.99% for 6 months	$65	21.74%
	NAB Low Rate Visa Card	A credit card with a low interest rate.	12.99%	4.99% for 6 months	$59	21.74%
	NAB Low Fee Card	A low interest rate offer on balance transfers.	19.49%	1% for 6 months	$30	21.74%
	NAB Qantas Card	Earn a low interest rate on balance transfers and purchases	19.99%	4.99% for 6 months	$65	21.74%
	NAB Qantas Gold Card	Comes with a Visa and American Express card, both linked to one account and annual fee. No point expiry.	19.99%	4.99% for 6 months	$145.50	21.74%
	NAB Qantas Platinum Card	Comes with a Visa and American Express card, both linked to one account and annual fee. No point expiry. No points cap.	19.99%	4.99% for 6 months	$290	21.74%
	NAB Velocity Standard Card	Gain velocity reward points and redeem for rewards. You gain both an Amex and Visa card which are linked to one single account and annual fee.	19.99%	4.99% for 6 months	$65	21.74%
	NAB Velocity Gold Card	Gain velocity reward points and redeem for rewards.	19.99%	4.99% for 6 months	$150	21.74%

Discover what NAB credit cards have to offer across their range. Take advantage of a credit card from one of Australia's "big four" banks.

The National Australian Bank Group first opened its doors way back in 1858. Their main focus of business is in Australia, New Zealand and the UK, with branches throughout all three regions. Their main retail brand in Australia is the National Australia Bank, commonly referred to as NAB.

You can choose from various NAB credit cards: NAB Standard Card, NAB Gold Card, Velocity NAB Standard Card, Velocity NAB Gold Card, NAB Qantas Gold Card, and the NAB Qantas Platinum Card. These cover the basic credit card requirements right up to a range of platinum benefits, and include standard rewards programs and frequent flyer schemes.

No matter what kind of credit card you are looking for, one of the NAB credit cards will fit the bill, which is only to be expected from one of the "big four" Australian banks. All but one of the NAB credit cards carries a balance transfer deal, annual fees start from $24, interest rates start from 12.24%, and there are no charges for additional credit cards on any of the accounts. Many of the NAB credit cards also offer various benefits, and it is only the NAB Low Rate Visa Card that does not offer purchase protection insurance, which can often be the reserve of gold and platinum cards only.

The NAB Visa Mini even returns cashback up to $24 per year on your spending.

The Velocity NAB Card combines a range of benefits with the chance to earn reward points at a faster rate. Points can then be redeemed for air miles with Virgin Australia and other international airlines, and for non-travel related rewards. All NAB credit cards are accepted throughout the world both at merchants and ATMs. Check out the full range to find the perfect NAB credit card for your needs.

NAB Overview

NAB is a well recognized financial banking institution in Australia, and it also operates other banks and branches worldwide. Discover everything you need to know about this bank in this article.

In terms of assets, the National Australia Bank, which is commonly known as  NAB, is considered the largest bank in Australia. At a global level, it is ranked 28Th for the largest banks in the world. As an organisation that is recognised internationally, NAB offers various financial products and services to their customers.

NAB Sectors

NAB has built up a relationship with its clients by using Siebel Customer Relationship Management Software by the Oracle Corporation. In 2006 the bank won the IFS/Cap Gemini Financial Innovation Awards title by using this software program. This software is also used by other companies in the United Kingdom and New Zealand to help develop support service opportunities and to help find new customers.

NAB is the proud sponsor of many of the national sporting events including Auskick, the Australian Football League, the Socceroos, as well as both levels of Australian Football. It also participates actively in the community by offering support to volunteer community groups across the country. It will step in with financial assistance when necessary, such as times when drought deeply affects farmers.

NAB History

The company roots of NAB come from the union of the National Bank Ltd. and the Commercial Banking Company of Sydney. The combination of these two companies gave NAB a quick start since the resources of both of these financial companies were merged. The merging of these two companies led to the rebirth of a new one, NAB, and there was plenty of capital to get it started.

Two representative offices were established in 1982. One was in Chicago and the other in Beijing. Two more of these offices were created the next year, with one in Dallas and one in Seoul Korea. In 1984, three offices were added in Kuala Lumpur, Athens and San Francisco. At this time, new branches also sprung up in Houston, Atlanta, New Delhi, Bangkok, Frankfurt, Taipei and Shanghai.

This expansion was great but it was not enough for NAB and in 1987, NAB purchased Northern Bank and Clydesdale Bank in Ireland from Midland bank. This bank was renamed the National Irish Bank. In order to become more influential in the banking industry, NAB went on to purchase MLC Limited, Yorkshire Bank, HomeSide Lending, Bank of New Zealand,and Michigan National Bank.

NAB Services

NAB has continually kept up with the newest technology and offers Internet banking to their customers. As part of their extended services, online banking allows customers to avoid branch banking and allows them the convenience of doing most common banking transactions from the comfort of their own home. Accounts can be accessed safely and securely, since NAB only uses the most innovative and up-to-date security protection on their site.

NAB services both business and personal clients. Just some of their many services include loans, credit cards, insurance, financial and investment planning, and savings accounts.

Savings accounts at NAB include four different types so that individual banking needs can be met by any Australian. These savings accounts include Student banking, Savings for a goal, Everyday banking and the Investment form of saving.

National Australia Bank also offers financial planning for long-term stability and has financial advisers that can lay out all the options available to meet this goal. Investment in money matters can often be quite difficult to understand, and NAB understands this and provides this service to help their customers get financially secure.

NAB also offers insurance for business, life, travel, and auto. This insurance can be paid on a monthly payment plan that is worked out between the customer and the bank. There are also many different types of tools available from NAB including home loans, car loans and personal loans. As long as you meet all of the loan requirements, NAB is willing to work with you from start to finish to make sure that you get the loan you really need.

National Australia Bank also offers seven different credit cards through MasterCard and Visa. The following cards are offered:

• NAB Velocity Standard Credit Card
• NAB Velocity Credit Card
• NAB Standard Credit Card
• NAB Visa Mini Credit Card
• NAB Gold Rewards Credit Card
• NAB Visa Gold or Gold MasterCard Credit Card

All of these credit cards offer great deals for the budget-minded Australian that wants an affordable card that is loaded with value.

Credit Cards And Features Offered By NAB

NAB provides smart card technologies with payWave, balance transfer options for the convenience of its customers and rewards cards for you to get the most of your expenditures with the cards.

• The NAB Visa credit card is perhaps one of the best Australian credit cards available. They grant longer introductory interest rates, longer introductory periods and smaller annual fees. This card is available in 8 different types and is designed to satisfy the needs of a varying number of income groups. While this credit card offers you convenience and flexibility like other credit cards, just as any debt, it has to be repaid.

• NAB provides an easy yet sophisticated online interface for potential customers to apply for its card. The application process is completed in just a few minutes if all the required information in provided.

• This Low Rate Visa card is especially good for those people who do not pay off their balances at the end of each month. This card allows access to the smart card technology of payWave. With his feature, you can enjoy the convenience of making payments in store at secure checkout terminals without swiping and providing signatures for transactions under $100. The contact-less checkout devices remotely verifies card details and payment is instantly made. For payment of transactions over $100, or at stores not utilizing the contact-less smart cards, a signature and the pin code would be required.

• NAB makes attractive balance transfer features in many of its card offerings. If you are seeking to save on interest payments and want to pay off your credit card balances faster, or you want to afford larger purchases, you can use an NAB balance transfer card to make it possible. NAB offers attractively low interest rates available on many of its credit cards for a period of 6 to 12 months. The rates offered are very competitive and allows you to transfer balances to an NAB balance transfer card. This transaction allows time for you to improve your finances during the low interest introductory period.

• As an NAB cardholder you will earn points when you make purchase on your card. These points can be redeemed for a wide variety of services and products. To qualify for the rewards program of any NAB credit cards, you must maintain your account in a good payment status else you will lose accumulated points on the program. The NAB Velocity credit card allows you to redeem your points in the Velocity Rewards program. This gives you access to the goods and services of NAB Velocity partners. Likewise, the NAB Qantas cards grant you membership to the Qantas Frequent Flyer program where you can accumulate points towards Qantas Frequent Flyer travel benefits.

• Credit cards are hard to match the NAB credit card rewards program, its balance transfer offering and its companion card offer that seeks to assist you in making your money work for you while you remain firmly in control of its management.

Facts On NAB Balance Transfer Cards

NAB makes transferring a balance to an NAB card account very easy for its cardholders.

The benefit of transferring your balance is that you can move the balance from an account with a higher interest rate to a balance transfer account that will temporarily charge you a 0% or a very low interest rate for a specified period of time. This in effect will allow you time to pay off the balance much faster and within the low introductory interest rate period. Ideally this payoff should happen before the interest rate again increases to more normal rates. This way you will be helped to get back on track financially.

If you are already a NAB cardholder you will be allowed to transfer the balance of up to two providers’ cards as long as each balance is at least $200. You will not be required to open a new account and you will enjoy a competitive interest rate on the transferred amounts.

NAB will not charge you a fee to set up the balance transfer account. However, you will be charged a low introductory interest rate on the balance on the balance transferred account. You will then be charged at the purchase rate after the introductory period is over.

NAB Credit Card Security

For your added security, an eight digit NAB identification number (NIN) will be assigned to you and it will be engraved on the back of your credit card. This number is used to heighten your card security and enable your transactions. This number is registered with NAB customer service representatives together with your card after you receive it.  

To authorize your NAB credit card over the telephone or over the Internet, you will use your NIN security number. At stores with the payWave technology, at ATMs and retail outlets you will use you PIN code. Unauthorized transactions on your credit card account should be immediately reported to NAB customer service.

Credit Limit And Transferring Money

Increasing your credit limit on your NAB account can be done by requesting it and also the bank may periodically increase your limit also, based on good management of your NAB credit card account.

An increased limit will be granted after you demonstrate a good credit rating and good financial history and situation with the bank. In addition, NAB before making a final decision to increase your credit limit will attempt to determine that you are fully aware of the responsibilities you must shoulder with an increased credit limit on your card. NAB would suggest that you not accept an increase credit limit if you believe that you may have problems making repayment of the balance. A customer who is granted an unwanted increased credit by NAB is free to decline the increase.

Certain customers will not be offered credit limit increases. These include customers who have had recent credit increases, those who have bad credit ratings – shown by late payments or who have overused cash advances, and customers in financial hardship situations e.g. recently lost their jobs or experiencing illnesses.

In certain situations NAB will reduce your credit limit in an attempt to facilitate better management of your debts. This is a part of NAB’s lending policy that attempts to support proper debt management. A debt management specialist is always available for consultation should you need to contact one at the bank.

NAB allows easy transfers of money between your NAB bank account and your NAB credit account. These transactions will be possible online and through the telephone after your NIN and card have been set up with customer service. You will have access to pay bills and to move your money at will.

Facts On NAB Rewards Programs

After receiving your NAB Velocity credit card, you will be given a free membership to the Velocity rewards program.  This will allow you to earn and accumulate points as you use your card to make daily purchases. Even more points can be earned when you use your card to purchase from the partner companies of the rewards programs. Qantas Frequent Flyer rewards program and Velocity rewards program will advise how best to earn the most points for your purchases.

If you need a Qantas Frequent Flyer account, you can obtain one from NAB which from time to time provides certain cards with free Qantas Frequent Flyer memberships.

Velocity points can be redeemed for a wide range of products including accommodations at resorts, apartments worldwide, leisure events, car rentals, international and domestic flights, entertainment and retails products to name just a few.  

Application For NAB Credit Card

Applying for a NAB credit card is fast and easy. The online application requires information such as your contact email address, your income and regular expenses, identification information such as driver’s license or passport and employer’s contact details, information on properties owned by you and debts you owe and contact information for your accountant if you own you own business.

Once the completed application is submitted it takes just about 60 seconds to receive a response and if successful an NAB credit card will be received by you in 5 to 10 business days.

Your money will be protected when you invest it at NAB, and you are assured of receiving the best customer service possible. NAB is a well-respected part of the Australian culture and wants to offer its customers the best financial services in order to establish a long-term relationship.

How to apply for a NAB credit card

Once you've selected the NAB credit card that is best suited to your needs and circumstances, you may apply for that card using any one of the methods below. You can use the cards comparison page or read our detailed guide to better identify which one of the NAB credit cards is best for you. You can apply online by visiting the NAB credit card comparison page - After selecting a card click the 'apply now' button next to it.

Getting to know your NAB credit card

This section of the guide will deal with questions that relate to generic usage of NAB credit cards. Use this to get acquainted with your new NAB credit card.

NAB Identification Number

The NAB Identification Number (NIN) is a unique identifier that is issued to all NAB customers. You can find your NIN at the back of your card, near the top, it is an 8 digit number. If you would like to confirm or reset your NIN you may call customer service on 13 22 65.

The Security Number

Every card comes with a 3 digit security number that is used for certain transactions to verify the ownership of the card. You can find your security number at the back of your card, right beside the signature field.

Transferring funds to and from NAB accounts

You can transfer funds between your NAB accounts (say from your NAB savings account to your credit card account) either with Internet banking or telephone banking. As soon as you receive your NIN (NAB Identification Number) register for telephone and Internet banking by calling 13 22 65. Your NIN will give you access to the convenient online banking platform, where you can transfer funds and pay your bills with ease from your NAB accounts.

Calculation of Interest

Interest on your credit card items is calculated multiplying the daily percentage rate (the annual percentage rate that is applicable divided by 365) with your aggregate balance outstanding. The aggregate balance is the sum of all transactions like purchases, cash advances etc. that you've made in the last statement period. It may also include special balances (e.g. any balance transfers) and will be indicated on your credit card statement. Each type of balance has a specific interest rate that is applicable to it, purchases are charged at one particular rate while cash advances are charged a different rate. After multiplying the daily percentage rate for purchases with the aggregate purchases amount, the product is summed for the number of days interest is accruing. This process is repeated for each type of balance outstanding, and the total figure is the interest amount charge in that statement period.

As an illustration, assume you have the following balance shown on your last statement: Aggregate balance $1000 (purchases $500, cash advance $500), and say the interest has been accruing for 10 days. Also assume the current interest rate for your card is 12% on purchases and 20% on cash advances (these are annual percentage rates). The daily interest in calculated thus:

Purchases - $500 x (12%/365) = $ 0.164
Cash Advances - $500 x (20%/365) = $ 0.274

The total daily interest is $ 0.438, and since it has been outstanding for 10 days, the total interest accrued is $4.38

Please not this calculation is for illustration purposes only and the rates quoted above are not the actual interest rate that will be applicable in your case. You can find the details on your particular card by reading its terms and conditions. If you would like to know more about how interest is calculated have a look at this brochure.

When is Interest charged?

If your card has interest free days, then interest on purchases is charged from the day after that period to the statement date. If it doesn't then interest starts accruing from the day of purchase. This is also the case with cards featuring interest free days if you do not pay the full balance on each statement within the due date. Therefore to take advantage of the number of interest free days you should always pay your credit card bills in full every time.

Interest on cash advances are always charged from the day of transaction. Interest on special balances (like balance transfers) are charged according to the terms and conditions of that special promotion.

What is interest on interest

If you had only paid the minimum balance due (for example) and not the full balance in your last statement, then your credit card balance starts accruing interest. Your next statement balance would include the previous unpaid balance and the interest amount. If you pay the minimum balance again, then interest is charged on your previous unpaid balance as well as your interest payment that was due. The latter is dubbed 'interest on interest' and is the primary reason why credit card balances can grow so fast if left unpaid. You should always try to pay more than the minimum balance due each statement period, preferably the full amount.

Ways to reduce interest charges

You may further reduce or altogether eliminate your interest charges by following these suggestions:

• Pick a credit card with interest free days - Use the interest free period feature of many NAB credit cards to not pay interest on your purchases.
• Always repay the full amount due on your credit card bill - You must remember to pay off your full credit card statement bill each month, otherwise the interest free days period is void and you are charged interest from the day of purchase (back dated interest). Paying off your full bill also ensures you do not gather any interest on interest.
• Don't make cash advance transactions with your credit card - Cash advances and similar cash equivalent transactions always accrue interest from day one, and is charged the highest rate of interest. Avoid cash advance transactions on your credit card (use a debit card instead for these transactions) and you save on significant amounts of interest.

Fees and charges

The annual fee is the most common type of fee on a NAB credit card. These and other fees do not get included on monthly credit card statements and never accrue interest. However you should be aware of all the fees and charges applicable to your card. You can find the details:

• Online - the Fees and Charges brochure
• In person - visit the local NAB branch and request a copy of the brochure
• Over the phone - call 13 22 65 and ask for a brochure to be mailed out to your address

NAB Visa payWave

The NAB Low Rate Visa card currently features a new contactless payment method called the NAB Visa payWave. With vendors and stores displaying the contactless indicator on their checkout machines you can use your NAB card to purchase items below $100 without swiping. You simply hold the card in front of the checkout machine and it reads the payment information directly, you don't need to sign or enter a PIN. For larger purchases you do need to swipe the card and sign (or input PIN). This 'traditional' way of payment can of course be used on all merchants accepting Visa card payments, and who do not yet have a contactless reader machine.

Credit Limit Increases

For customers who have a good credit record NAB would periodically offer an increase in their credit limit. This is purely an optional offer and if you feel you do not need the extra credit you are free to decline the offer. To ensure you know the ramifications of accepting such an offer NAB will give you details such as what would be your new minimum repayment amount if you choose to accept the offer and spend up to the credit limit. They will also recommend you don't accept the credit limit increase offer if you anticipate difficulties in repaying the balance.

NAB will not offer this to the following types of customers:

• Bad credit record - Indicated by missed payments or excessive cash advance usage
• Known to be in financial hardship (e.g. recently retrenched or facing illness)
• Had a recent credit limit increase

For existing customers NAB always offers the option of reducing their credit limit, which is a part of their bank-wide lending policy in adhering to proper debt management. You can always talk to a debt management specialist of the bank if feel you need more information by calling 13 22 65.

Using your NAB Credit Card

This section of the guide will deal with questions related to the day-to-day use of NAB credit cards, so that you can get the most out of your NAB credit card.

How much to repay

Your monthly credit card statement will show a minimum repayment amount, which is calculated as 2.5% of the aggregate balance (purchases, cash advances etc.) or $10, whichever is higher. If you fail to make this minimum payment by the due date you will incur a late payment fee, and start accruing interest on your full balance. This will also become a part of your permanent credit record, and will negatively affect your credit rating with the banks.

Therefore you should always make it a point to at least repay the minimum due. It is recommended to pay more than the minimum payment amount to reduce your interest charges. If you want to completely eliminate or minimize interest you should target paying the full balance due every month within the payment due date indicated in the statement. Some cardholders prefer to setup an auto debit feature in their Internet banking system, which automatically pays the minimum amount (or the full amount) of each statement balance directly from their NAB savings account. If you find yourself forgetting payment due dates while being perfectly capable of repaying the balance owed, you should consider implementing such an auto debit mechanism in your Internet banking account.

How to setup NAB Internet Banking

You will need your NIN ready at hand, then register for NAB telephone banking by dialing 13 22 65. Registration will provide you with a PIN that can be used both for further telephone banking and for setting up your Internet banking the first time. Visit the NAB Internet banking page to register using your PIN. You can always reset your PIN by calling 13 22 65.

Purchase Authorization

This is a hold on your banking account for a sum that you've used in a credit card transaction. Every time you buy something using your card the merchant records your credit card information for claiming later payment from NAB. Meanwhile NAB places a hold on your credit card account, so your available credit amount decreases. The purchase authorization hold stays in place for 7 days. If the merchant hasn't made their claim you won't see the transaction show up in your Internet banking system, but will see that your available credit is lower than what the displayed transactions would seem to indicate. After 7 days the hold is released, but you should note that the merchant still has 6 months to make the payment claim.

If the merchant does make the claim within that hold period you will see the transaction displayed in your account, which will be debited for the payment amount.

Lost or Stolen Card

If you have lost your card or it is stolen, notify the bank immediately at this number: 1800 033 103. If you're overseas call +61 3 8641 9083 instead.

Unauthorized Card Transaction

You should report any unknown or unauthorized transaction on your credit card to NAB on this number: 13 22 65.

Change Credit Limit / Additional cardholder

Can be done in two ways:

• Internet Banking customers can login to the system, select the "Apply Now" and choose the "Credit Card Credit Limit" option
• Other customers who do not have access to Internet banking can fill out the form available in the 'Manage your Credit Card' page of the NAB website and post it or drop it off in person at the local bank branch. This form can also be used to add or remove an additional cardholder in your credit card account.

Replacement Card

You can order your current card to be replaced by a new one by calling customer service on 13 22 65 or visiting the closest NAB branch.

Card about to expire

NAB will automatically send you a replacement card one month before your current card expires. In some cases the card might not be delivered to your home but rather to your nearest bank branch. You will be notified by mail when this happens. Get your PIN and visit the NAB branch mentioned in the letter to pick up your new card.

If your card has expired and you haven't received a replacement card in your mail or in your local NAB branch, call customer service on 13 22 65 and advise them of the situation. Alternatively you can send a secure message to NAB through your Internet Banking messaging system.

That concludes our NAB credit cards guide, we hope it answers all your questions regarding your card, and makes the experience of using your NAB credit card that much more enjoyable.

How To Switch To NAB

1. Open an NAB account. There are many NAB Smart everyday accounts to choose from, all you have to do is find the one that suits you.
2. Identify regular payments from your old accounts. You can call your prior bank or look through your statements to see which bills need to be paid and when. You will also need to find out what direct debits from your account each month and what direct credits to it. NAB provides a handy template to aid you in sorting it all out. You should look back thirteen months to make sure that you have taken note of all payments
3. Change your payments to the new NAB account. Most organisations will allow you to switch accounts to NAB over the phone, on their website, or by email. NAB has a contact list available on line for common organisations. There are also downloadable letters for those who need written notification including salary deposits, direct debits, direct credits, share dividends, and change of card letters. Use of these templates is free of charge. Keep in mind that it is up to you to ensure that all information in the letters is correct.
4. If you have other Internet payments you should then update them.
5. Double check every payment to make sure that it has switched correctly. It is important that you leave enough money in your previous account to cover any bills that come in while the switch is processing. In most cases the companies will contact you if a payment has failed to go through on your new account.
6. Once you are certain that all of your direct debits and direct credits have switched you can close your previous bank account. In most cases you can close the old account over the phone but some banks require it to be done in person.
7. If you run into trouble simply bring a list of your payments, debits, and credits, to the nearest NAB branch and a professional will be happy to help you with the transition.

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  Another banking product of NAB’s range of banking options is the NAB Classic Banking account. With NAB Classic Banking you get to enjoy unlimited banking whenever you want. You will be able to access your account online, via phone banking, at NAB branches, at NAB ATMs, via the NAB Visa Debit card and with the help of EFTPOS transactions.

• NAB Qantas Platinum Credit Card – Details & Application
  

  The NAB Qantas Platinum Credit Card offers the fantastic Qantas Frequent Flyer rewards program, 44 interest free days on purchases and a low balance transfer rate. The card has a host of other features and is definitely worth considering if you travel frequently and want to start racking up rewards points.

Popular Credit Card Offers

			Interest rate (p.a.)	Balance transfer rate (p.a.)	Annual fee	Cash advance rate (p.a.)
	ANZ Platinum Credit Card	A unique platinum credit card offer with a low balance transfer and purchases rate.	0% p.a. for 6 months (reverts to 19.39% p.a.)	0% for 6 months	$0 annual fee for the first year ($0 thereafter)	20.99%	E-mail me this offer
	HSBC Credit Card	A 0% balance transfer, $0 annual fee for life credit card.	17.99% p.a.	0% for 8 months with 2% balance transfer fee	$0	21.99%	E-mail me this offer
	Westpac Low Rate Card	A low rate on purchases, balance transfer and a $0 annual fee.	1.9% p.a. for 9 months (reverts to 13.49% p.a.)	3.99% for 6 months	$45 annual fee for the first year ($0 thereafter)	21.49%	E-mail me this offer
	Citibank Rewards Credit Card - Platinum Card	An extended 15 month balance transfer offer with 20,000 bonus reward points.	20.99% p.a.	0.9% for 15 months	$199	21.74%	E-mail me this offer
	Bankwest Breeze MasterCard	Low ongoing purchase rate from Bankwest, with an introductory purchase rate credit card.	0% p.a. for 6 months (reverts to 10.99% p.a.)	4.99% for 9 months	$49	21.99%	E-mail me this offer