Bank of QueenslandLow Rate Visa

Terms and Conditions

1. The 0% p.a. interest rate on the Low Rate Visa card applies for the first three months on balances you transfer with this offer at point of application, and on all purchases and cash advances for a period of three months from the date your account is approved. Transferred balances will be repaid first. Any outstanding transferred balance or cash advance balance at the end of the promotional period will revert to the standard cash advance rate, currently 21.49% p.a. Any retail purchase transactions made during the promotional period will revert at the end of the promotional period to the standard purchase rate, currently 13.49% p.a. Offer ends 31 July 2012. To be eligible for the offer, you need to apply for the card by 30 May 2012. Current BOQ Credit Cardholders are not eligible to apply for this introductory offer. Approved customers only. Interest rates are variable, subject to change and Citibank's credit criteria.

2. Applies after the end of the promotional period. The maximum 55 days interest free period applies when you pay your balance off in full for two consecutive months. If you carry a balance on your credit card from month to month the 55 days interest-free period does not apply and you are charged interest once you make a purchase. There is no interest free period for cash advance or balance transfer.

3. Subject to your acceptance of the card, you will be charged a half price annual fee of $27 in the first year, which will revert back to the full annual fee of $55 in subsequent years. Current BOQ Credit Cardholders are not eligible to apply for this introductory offer. Half price annual fee offer ends 30/05/2012.

This webpage is hosted by Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian Credit Licence No. 238098 (Citigroup). All content contained on the website including any recommendation, suggestion or assistance is made by and is the responsibility of Citigroup. In any interaction on this webpage you are dealing directly with Citigroup, not Bank of Queensland Limited ABN 32 009 656 740 (BOQ).

Full product terms and conditions available at boq.com.au. Current BOQ Credit Cardholders and Home Loan Privilege Package account holders are not eligible to apply for this introductory offer. Fees and charges apply. Terms and conditions apply and are available upon request. Final approval of your application will be subject to satisfying Citigroup credit assessment criteria.

Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian Credit Licence No. 238098 (Citigroup) is the credit provider and issuer of Bank of Queensland Credit Cards (Credit Cards). Bank of Queensland Limited ABN 32 009 656 740 (BOQ) distributes the Credit Cards under an agreement with Citigroup. BOQ does not and will not guarantee or otherwise support Citigroup's obligations under the contracts or agreements connected with the Credit Cards. The words "we", "us" or "our" will generally read as a reference to Citigroup, but if the context requires these words to refer to BOQ, they will refer to BOQ undertaking relevant actions or making relevant decisions for or on behalf of Citigroup.