As a Credit Union MasterCard cardholder, you’ll be able to access all of these great features negotiated on behalf of credit union members with Citibank:

• Superior Rewards programme
• PayLite Plan
• Purchase Cover
• Fraudshield
• Delivery Guarantee
• International Travel Insurance
• Easy Account Management

Superior Rewards programme

The Credit Union MasterCard Standard Rewards programme offers you outstanding benefits, including points that never expire while your card account remains open. You’ll receive one Reward point for every dollar spent on purchases in Australia and overseas, and you’ll receive double points when you shop with our range of bonus partners.

You can redeem your Rewards points for a range of rewards including retail store vouchers, great merchandise, charity donations and even your annual card fee. You can also enjoy great travel rewards when you redeem your points with Take Flight, a new feature allowing you to fly with any airline, anywhere, anytime! 1

And if you have insufficient points for your desired Reward, you can fast-track your redemption with our top-up facility.

You’ll receive a Rewards catalogue soon after you receive your card, and regular newsletters to tempt you with fabulous new offers. You’ll also receive a quarterly Rewards statement showing the number of Rewards points you’ve accumulated.

Gold cardholders have the option of enrolling in BlueSky Rewards (for a slightly higher annual fee), which allows you to redeem Rewards points for Qantas Frequent Flyer points.

PayLite Plan

The PayLite Plan allows you to spread the cost of larger purchases (greater than $500 ) over 6,12, 18, 24 or 36 months and pay monthly instalments at a special low PayLite interest rate #. You can buy what you want now and pay it off over time, at a competitive low interest rate. Once you’ve made your purchase, you have 14 days to register your purchase with Card Services as a PayLite purchase, so that we can apply the special interest to your purchase. Plus, there’s no penalty for early repayment.

Purchase Cover *

Use your Credit Union MasterCard and you’ll have peace of mind knowing that almost all new purchases are insured against loss, theft or damage within three months of purchase.

Fraudshield #

Fraudshield offers powerful protection against fraudulent use of your Credit Union MasterCard. If we detect any irregular transactions on your account, we will call you immediately, even if you’re overseas.

Delivery Guarantee #

If a personal item is purchased using your Credit Union MasterCard and this item is never delivered, our delivery guarantee means that most purchases are covered for up to $10,000.

International Travel Insurance *

Use your Credit Union MasterCard to buy your international travel tickets and enjoy complimentary travel insurance for you and your family. Cover includes medical and unexpected travel expenses, trip cancellation, personal liability and loss or damage to personal items.

Easy Account Management

With online banking and a choice of payment options, including BPAY ® , Easi-Pay and Australia Post, managing your Credit Union MasterCard account couldn’t be easier.