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Terms and conditions available on application. Fees and charges payable. You must be over 18 years of age to apply for an ANZ credit card. Approval is subject to ANZ's normal credit approval criteria.

* Not in conjunction with any other offer or when you transfer from an existing ANZ credit card. This rate reverts to the standard rate applicable to your card after 12 months from the date of card approval. Interest accrues on balance transfers from the date the transfer is processed by ANZ. Terms and conditions apply to balance transfers, please call 13 22 73 for a copy.

^ Points and Bonus Points are earned and added to the Account Holders Qantas Frequent Flyer account in accordance with the ANZ Frequent Flyer Visa Reward Terms and Conditions (please call 13 22 73 for a copy) and subject to payment being made within payment terms. Qantas Frequent Flyer points are not earned on cash advances or payment for cash equivalent transactions such as the purchase of travellers cheques or gaming chips. Limits apply to the number of Points you can earn in a monthly statement cycle. These limits do not apply to Bonus Points. An Account Holder must be a member of the Qantas Frequent Flyer program to redeem Qantas Frequent Flyer points. A joining fee applies. Membership and points are subject to the Terms and Conditions of the Qantas Frequent Flyer program. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving applications. Standard annual percentage rate is 17.99% p.a. on purchases and 19.24% p.a. on cash advances as at Monday, 11 May 2009 and is subject to change.

™ ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation (DUNS) ABN 074 664 715. ANZ's colour blue is a trademark of ANZ.