Homeloans Ltd - a competitive home loans lender

Homeloans Credit Card

Make every day a rewarding experience with the Homeloans Ltd Credit Card Apply Today! Apply today for the Homeloans Ltd Credit Card and start enjoying the following benefits: No annual Card fee in the first year (save $25) Annual Card fee is waived each year when you spend $5,000 or more on your Homeloans LTD Credit Card Earn 1 Membership Rewards^TM point for every dollar spent on the card. Your points can be redeemed for frequent flyer points, retail vouchers and much more. Select from two Membership Rewards Options, giving you the freedom to decide how you like to be rewarded¹ Minimum monthly payment of only $25 or 3% of monthly balance Low 9.99% p.a Balance Transfer Rate for the first six months so you can reduce the interest you may be paying on other cards² Up to 55 days interest free when you pay your Card account in full³ Competitive interest rate of 16.74% p.a. American Express is now accepted in more places than ever before including; supermarkets, restaurants, petrol stations and most major retail outlets. Select from two Membership Rewards options: Choices, puts more rewards within reach. Get great value and flexibility when you use your Membership Rewards points to book any travel directly through Travelscene American Express. Plus you can choose from a wide range of retail vouchers, gifts and more all for just $40 per year. Ascent gives you all the benefits that Choices offers plus the entire world, because you have the added freedom to redeem your points for points with our frequent flyer program partners. With Ascent, you get more flexibility and more destinations for just $80 per year¹. Visit Membership Rewards for more information. APPLY NOW! Start enjoying all the benefits of the Homeloans LTD Credit Card Complete the online application form or download the application form. Complete, sign and return the form to American Express at the address outlined below (no postage stamp required). American Express Australia Limited Reply Paid 5148 Sydney NSW 2001 If you have any questions about the Homeloan LTD Credit Card, please call American Express 1300 366 220. Note: You need Adobe Acrobat Reader software to view and print this form. You can download Adobe Acrobat Reader free from http://www.adobe.com/products/acrobat/readstep2.html. Important Information American Express credit approval criteria applies. Subject to terms and conditions. Fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. Fees, charges and interest rates are correct at 1 January 2006 and are subject to change. 1. Selected carriers only. Subject to the terms and conditions of the American Express Membership Rewards program and Ascent partner frequent flyer programs. Frequent flyer program fee may apply. 2. If you transfer your balance from another credit card to your Homeloans Ltd Credit Card you will pay 9.99% p.a. on the approved transfer amount for up to six months (your monthly payments will first repay the balance you have transferred before reducing other amounts, such as new purchases). Minimum payment requirements of the card account apply to balance transfers. There are no interest free days on balance transfers. After 6 months, the rate will change to the interest rate for purchases at that time. 3. The Credit Card gives you up to 55 days interest free on purchases, depending on when your statement is issued, whether you have obtained a balance transfer and whether or not you are carrying forward a balance on your account from the previous statement period. There are no interest free days for cash advances or balance transfers. The credit provider is American Express Australia Limited (ABN 92 108 952 085). Homeloans LTD distributes the Homeloan LTD Credit Card under agreement with American Express and receives a financial benefit from Members’ use of the Card to further fund Member Services.