This page is my best effort to summarise the card's terms from the information I found. Read the bank's terms for full details, or contact the bank if you have questions.
Explore this offer's terms
Can I get this?
This offer is advertised to the public. Bonus conditions and the bank’s approval requirements still apply.
Can I get this bonus if I have held a card before?
I have not checked the waiting period for this bonus.
See the waiting rules for every Australian bank →Can I get the card?
The minimum credit limit is $1,000. This is the least the bank may let you borrow.
I do not have a minimum income for this card.
Meeting the bonus rules does not mean the bank will approve your application. The bank must assess and approve the card separately.
How long is this available?
I do not have an end date for this offer.
Should I keep it after the first year?
Keeping the card costs $0 each year — the first year was $0.
There is no bonus in year two. The fee buys points on your spending, plus the card's perks.
Ongoing earn: 0.50x Flybuys points per $1.
Keeping pays off only if the ongoing earn and benefits are worth $0/yr to you.
These points do not buy gift cards on the terms I have.
This offer has ended. I keep this page so you can check the old terms.
I cannot do this maths yet. I do not have all the numbers.
Terms and evidence
Full current terms
Offer terms
Ongoing Earn Rate
0.50x points per $1 spent
Fees
First Year Annual Fee
Free
Purchase Interest Rate
20.00% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Offer terms history (1 version — old terms, for checking)
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Unknown publication date
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Archived notes
Earlier notes about this offer, kept as an archive — not current terms. Note dates are separate from terms publication dates.
- Expiration changed from 29/02/24 to no expiration, Bonus from 20K to 0, Spend For Bonus from $3K to $0, Bonus Period from 90 to 03 years ago
- Expiration changed from 31/01/24 to 29/02/243 years ago
- Expiration changed from 31/10/23 to 31/01/24, Bonus from 30k to 20k3 years ago
- Bonus lowered from 50k to 30k, spend decreased from $4k to $3k. 2nd year bonus reduced from 20k to 0k.3 years ago
Discussion
About these ended terms — not the current offer.
Community and personal tools
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