Footnotes:

• ¹ Different rates apply depending on the transaction type, including cash advances. See Key Features for details. Terms and conditions apply. All credit card applications are subject to credit assessment and approval. All rates are quoted per annum. Other fees and charges apply.
• ² Balance transfer available to refinance debt from other lenders up to 80% of the approved limit. The 0% p.a. interest rate applies to balances transferred at point of application for a period of 6 months, commencing once the balance transfer has been processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the variable annual percentage rate for purchases.
• ³ The number of interest free days depends on when you make your purchase and when your statement is issued. There are no interest free days for cash advances or balance transfers