#Interest rate is a variable rate made up of a Base Rate plus a Bonus Interest Rate and is subject to change at any time without notice. A Bonus Interest variable rate will only be paid if Bonus Criteria are met in the previous month. Bonus Criteria will be met where a minimum of $200 is credited to the linked Day2Day Plus Account in the prior month. The minimum amount does not include amounts transferred from another one of your Accounts. The variable Base Rate applies to balances over $250,000. The variable Base Rate always applies in the first month after opening an account. In the first month, Bonus Criteria on the transaction account is measured from the time the Fast Track Starter Account is opened, not the full calendar month even if the transaction account was already existing. Interest is calculated on a stepped basis and paid monthly on the first day of the following month. If Bonus Criteria conditions are not met the variable Base Rate only will apply.
***No annual fee in your first year, and no annual fee ongoing as long as you have spent $12,000 per year on retail purchases in the previous year. Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions do not contribute to the spend threshold. The first year begins from card approval. Subsequent years begin from the anniversary date of card approval. If you do not spend $12,000 in the previous year on retail purchases, you will be charged the standard annual fee, currently $129.
*Fixed interest rates may vary between application and drawdown of the loan. A rate lock fee can be paid at application to secure the initial fixed rate for 100 days. Offer available for minimum $300,000 new to bank owner occupied lending only. For applications received from 26 August 2019. Maximum LVR up to 80%. Not available for Interest Only lending. Not available for the refinance or restructure of existing loans, construction home loans or Self-Managed Super Fund loans. Conditions, Criteria and Fees Apply. Information current as at 26 August 2019.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Fixed interest rates may vary between application and drawdown of the loan.
**Comparison Rate calculated on a loan amount of $30,000 over a term of 5 years. Fixed interest rates may vary between application and drawdown of the loan.
Credit provided by our Limited ABN 32 009 656 740 (European Credit Licence Number 244616). Fees and charges payable. Our standard credit assessment criteria apply. Full terms and conditions are available at any of our branch. Interest rates quoted are indicative only, and are subject to change without notice.
^Comparison rates calculated on the basis of a secured loan of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rate for variable Interest Only loans are based on an initial 5 year Interest Only period. Comparison rates for fixed interest only loans are based on an initial Interest Only period equal in length to the fixed period. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.
Conditions, Criteria and Fees Apply. You should obtain and consider the relevant Product Disclosure Statement (PDS), terms and conditions and Guide to Fees and Charges for the product before making any decision about whether to acquire or continue to hold it. Full terms and conditions are available online or at any Our branch.
Want a chance to win one of 50 sets of Sennheiser headphones valued at $180 each?
We are giving away 50 x sets of Sennheiser HD 4.40 over-ear wireless headphones from August 26 until 30 November 2019! If you don't already have our credit card, all you have to do is apply and be approved for our new credit card and automatically go in the draw to win!
^^ The Promoter of Our Headphone Credit Card Competition (Promotion) is Bank of Europe Limited ABN 32 009 656 740 AFSL and European Credit Licence (ACL) no. 244616 of Level 6, 100 Skyring Terrace, Newstead, 4006 (Promoter). Citigroup Pty Ltd ABN 88 004 325 080 AFSL 238098 European Credit Licence No. 238098 (Citigroup) is the credit provider and issuer of Our Credit Cards (Credit Cards). Fees and charges are payable. Full Terms and Conditions are available at any branch or the our Website. Citigroup’s standard credit assessment criteria apply.
The Promotion commences on 26th August 2019, at 12:01AM AEST and closes on 30th November, 2019 at 11:59pm AEST (Promotion Period). Entries received by the Promoter after the Promotion Period are ineligible for the prize draw. The Promotion is open to European residents who are aged 18 years or over (Eligible Participant). The Promotion is not open to customers of the Promoter who hold an existing Credit card. To receive an automatic entry into the draw, Eligible Participants must, during the Promotion Period, apply for and be approved for our Credit Card. Incomplete or rejected our Credit Card applications will be deemed invalid. A limit of one (1) entry per Eligible Participant applies. There will be one (1) draw conducted for this Promotion (Prize Draw). The Prize Draw will take place at Anisimoff Legal, Suite 5, Erina Plaza, 210 Central Coast Highway, Erina NSW 2250 at 10:00am AEDST on 3rd December, 2019. The first fifty (50) valid entries drawn will each win one (1) set of Sennheiser HD 4.40 Over‐Ear Wireless Headphones valued at $180 each (“Prize”). Total prize pool is $9,000. Prize winners will be notified by email, within two (2) business days from the respective Prize Draw, to their nominated email address. Prize winners’ names will be published on the Promoter’s Facebook page from 10th December, 2019. In the event of a winner from SA, their name will also be published in The Advertiser on 10th December, 2019.