Credit cards issued by Summerland Bank ABN 23 087 650 806 Australian Credit Licence 239 238 AFSL 239 238. Conditions, fees and charges apply. All information is correct as at 31/1/24 and is subject to change. Full details available on application, in the Detailed Credit Card Product Guide and at summerland.com.au. Lending criteria apply. 1. 0% Interest on balance transfer and 0% transfer fee only applies to balances transferred for a period of 12 months from the date the credit card application is approved and excludes purchases made during this period, Offer limited to Rewards credit card only. 2. Reward points given only on the Rewards Credit Card. 3. 0% Interest on balance transfer and 0% transfer fee only applies to balances transferred for a period of 9 months from the date the credit card application is approved and excludes purchases made during this period, Offer limited to Low Rate credit card only. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the purchase rate and accrues interest from the expiry date at the purchase rate, currently 18.99% pa (rewards credit card) and 11.99% (low rate credit card). The interest rate is variable and subject to change. The amount transferred must not be less than $1,000. Minimum monthly payments apply during the interest free period. Offer available in respect of balances transferred from non-Summerland credit card accounts issued in Australia only. Offer only available to new credit cards accounts. Target market determination available on request at our branches. Credit Card Key Fact Sheet