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1. Offer further extended to 31 October 2018. Offer available for new Qantas Premier cardholders only. Up to 40,000 bonus Qantas Points offer is available to new approved Qantas Premier Everyday credit card account holders who apply by 31 October 2018. 20,000 bonus Qantas Points will be awarded each month that $2,000 or more is spent for the first two months from card approval. Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions do not contribute to the spend threshold. Bonus Qantas Points will ordinarily be credited within 6 - 8 weeks of meeting the spend criteria. Offer may be extended or withdrawn at any time.

2. Offer further extended to 31 October 2018. For applications submitted by 31 October 2018, you will not be billed an annual fee for the first year upon activation of your account. The standard annual fee, currently $49, will be billed each anniversary from card approval in subsequent years. An additional cardholder annual fee, currently $25, applies per additional cardholder. These fees may be subject to change. Offer may be extended or withdrawn at any time.

3. Qantas Premier Concierge is a complimentary service available to the Primary Cardholder of a Qantas Premier credit card. Refer to the Qantas Premier Credit Card Rewards Terms and Conditions. Concierge Services provided by Aspire Lifestyles (Americas), Inc.

4. Complimentary Travel Insurance is issued by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and is subject to the terms, conditions, excess, limits and exclusions set out in the Complimentary Travel Insurance Terms and Conditions arranged under a master policy of insurance between Chubb and Citigroup Pty Limited ABN: 88 004 325 080 AFSL No: 238098 Citigroup Centre 2 Park Street Sydney NSW 2000, the issuer of your card.

5. The Qantas Money app is owned and operated by Qantas and supported on iOS9+ and Android 6+.

6. Qantas Travel Money is a prepaid Mastercard® payment facility built into the back of the Qantas Frequent Flyer Membership Card. To be eligible to receive the Qantas Card with the option of Qantas Travel Money you must be an Australian resident Qantas Frequent Flyer member 16 years of age or older. Heritage Bank Limited (AFSL 240984) (the Issuer) issues Qantas Travel Money under arrangements between it, Qantas and Mastercard Prepaid Management Services Australia Pty Limited (AFSL 386837) (a Mastercard business). Mastercard Prepaid Management Services Australia Pty Limited distributes Qantas Travel Money (together with Qantas which is an authorised representative of Mastercard Prepaid Management Services Australia Pty Limited for the purposes of providing general financial product advice with respect to Qantas Travel Money). Mastercard Prepaid Management Services Australia Pty Limited can be contacted at customercare@qantastravelmoney.com. Mastercard Prepaid Management Services Australia Pty Limited and Qantas earn foreign exchange revenue from Qantas Travel Money transactions. Mastercard Prepaid Management Services Australia Pty Limited receives a processing fee from domestic Qantas Travel Money "point of sale" transactions. Qantas receives revenue generated by Qantas Travel Money transactions based on interchange fees paid to the Issuer, deposits held by the Issuer, cardholder fee and certain rebates and incentives from Mastercard Asia/Pacific Pty Ltd. This information has been prepared without taking into account your objectives, financial situation or needs and you should consider the appropriateness of the information about the Qantas Travel Money facility having regard to those matters. A Product Disclosure Statement (PDS) in respect of Qantas Travel Money is available via qantastravelmoney.com and will also be given to applicants. A person should obtain and consider the PDS before making any decisions about whether to acquire or continue to hold the prepaid facility.

7. Offer extended to 31 October 2018. 60,000 bonus Qantas Points offer is available to new approved Qantas Premier Platinum credit card account holders who apply by 31 October 2018. 60,000 bonus Qantas Points will be awarded when $4,000 is spent in the first 90 days from approval. Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions do not contribute to the spend threshold. Bonus Qantas Points will ordinarily be credited within 6 - 8 weeks of meeting the spend criteria. Offer may be extended or withdrawn at any time.

8. Qantas Points are subject to and earned in accordance with the Qantas Premier Credit Card Rewards Terms and Conditions.

9. Offer extended. To earn one $300 Qantas Flight Voucher, you must successfully apply for a Qantas Premier Platinum credit card by 31 October 2018, then spend $4,000 within 90 days from card approval. Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions do not contribute to the spend threshold. The Flight Voucher will be sent to the email address on your Qantas Frequent Flyer profile within 6-8 weeks of meeting the spend criteria, and is valid for 6 months from the date of issue. Flight Voucher can be redeemed for one-way or return Qantas domestic or international flights departing Australia only, is non-refundable and cannot be used for multi-city, Classic Flight Rewards, Points Plus Pay- Flights, Points Plus Pay bookings, or redeemed for cash.

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