1. ‘creditcard.com.au’ is identified as being:

CreditCard.com.au Pty Ltd (ABN 76 646 638 146). They have their business office at Level 10, 99 York Street Sydney NSW 2000

2. Acceptance of Terms and Conditions.

By entering this creditcard.com.au web site you are contractually agreeing to accept these terms and conditions whether or not you complete or fill out any form, invitation or application. If you do not accept these terms and conditions in any respect then you should withdraw from this web site straight away and not accept or rely upon any of the services, statements, facts or data provided.

3. Copyright protected site.

The whole of this site and its provisions are protected by Australian and international Copyright Laws. Downloading, copying, printing, storing and transferring the content of this site or part thereof without acceptance of these terms and conditions is a breach of such Laws and may have serious civil and criminal consequences. After acceptance of these terms and conditions you may download, copy, print and store the contents and parts thereof for your own personal use and not for any commercial or agency purpose.

4. Who you are.

You are the person who entered this site by a particular computer system, an Australian citizen with a right to Australian Permanent Residency, over 18 years of age and not an undercharged bankrupt or a person threatened by a bankruptcy notice or proceeding and have not assigned your assets or any of them for the benefit of your creditors.

5. The Service provided by this site.

creditcard.com.au is not a bank of any description nor a financial institution and do not and cannot accept any deposits nor issue any securities. We are providing an evaluation service only and do not give nor endorse any financial advice. We do not provide credit.

Financial products
The purpose and service of this site is to provide the public including yourself with free information about financial products and credit facilities. This is based on product fees, interest rates and other data that is disclosed on this site, which may not be suitable to your personal circumstances. You should always take time to learn and understand a product terms and conditions before you apply for it.

We cannot and do not assess product or service suitability in relation to any individual person or persons.

Products found in a ‘best’, or ‘top 10’ section are included in that section based on an assessment of that product’s current interest rates, fees, introductory offers, features, and more, and their overall combined competitiveness in comparison to other similar products in matching categories. The ‘best’ or ‘top’ status is therefore not objective and may change without notice if the card issuer changes the introductory or standard product offers or another card issuer introduces an offer that is deemed more competitive.

For example; a ‘frequent flyer’ credit card offer might be given ‘best’ or ‘top’ status due to a current offer of ‘bonus flyer points’ available to new applicants. That product might also currently feature a competitive ‘balance transfer’ offer. Both of these offers will factor into our perceived current competitiveness of the product in relation to other similar products on the creditcard.com.au site – which in this example include both frequent flyer and balance transfer credit card categories.

Any number of the below product features are taken into account to determine the relative current value of the product when compared to other similar products on this website, and whether it is considered to have ‘best’ or ‘top’ status.

The below list should be considered an example only and not be considered comprehensive or complete.

• Interest rates or comparison rates & interest charged on borrowings, purchases, balance transfers, or cash advances.
• All product fees
• Perceived value of introductory offers including interest rates, fees, bonus points and interest free periods.
• What rates these introductory offers revert to once the introductory period expires.
• The merit of all ‘special offers’ e.g. such as ‘bonus reward points’.
• Standard features of the products such as but not limited to; ‘interest free’ days, included facilities, security options etc.
• Extra perceived benefits such as instant discounts or complimentary services e.g. overseas travel insurance.
• Consideration of the relative value of ‘reward points’ or ‘frequent flyer points’ awarded for each $1 spent.
• Assessment of market acceptance of credit cards and weight the transaction premiums/penalties charged by traders in relation to others

There are many other products and information facilities available to the public via the internet and from other sources. The opportunities offered by this site cover many credit providers terms and conditions but are not and cannot be considered comprehensive of the market.

It is important that you consider a program of searching for such services on the internet and elsewhere to ensure that you have considered all credit resources before taking up any offers made by CreditCard.com.au Pty Ltd and by other services.

We do not cover or evaluate deposit or investment opportunities and are not investment advisers. Even if a credit provider offers interest bearing aspects to their credit card or credit facilities we do not recommend such opportunities based on that interest earning aspects. These interest earning aspects are collateral to the main purpose of the credit card and or credit facility and do not play a significant part in our evaluations.

If you want to learn more about how we position credit cards and credit card offers please visit the Why Use CreditCard.com.au? page and read the ‘How it Works’ section for more information.

Credit card issuers

The purpose and service of this site is to provide the public including yourself with an evaluation of credit cards and credit facilities and credit rates and interest rates and charges only. There are many other credit card issuers and credit facilities available to the public by the internet and from other sources.

It is important that you consider a program of searching for such services on the internet and elsewhere to ensure that you have considered all credit resources before taking up any offers made by creditcard.com.au by this service and by other services.

The opportunities offered by this site cover most credit providers terms and conditions but is not and cannot be exhaustive. It is very unlikely that there is a credit provider of trustworthiness and significance in Australia that is not covered by this site.

We do not cover or evaluate deposit or investment opportunities and are not investment advisers. Even if a credit provider offers interest bearing aspects to their credit card or credit facilities we do not recommend such opportunities based on that interest earning aspects. These interest earning aspects are collateral to the main purpose of the credit card and or credit facility and do not play a significant part in our evaluations.

6. Credit Card and Credit Providers.

All providers should be contactable via details obtained on their websites. These can usually be found by visiting the ‘contact us’ section of the provider’s website, or alternatively using an online search engine such as Google.com.au to make an information search using a search phrase such as “provider X contact details.”

We try to provide opportunities to apply for credit and or credit card opportunities with various credit providers that are significant public institutions but creditcard.com.au is not able to comment on the stability or creditworthiness of those institutions. No attempt is made nor are we qualified to evaluate the stability or net worth of any such institutions and the appearance of such an institution on this site does not imply that that institution is financially sound nor that an evaluation of its public accounts would indicate otherwise.

Nothing said or appearing in creditcard.com.au site nor in making any evaluation of the credit providers offers of credit to you can be applied to or have any standing as to any ASX listed companies shares in the name of any such credit providers. No statements are made nor should it be deduced from our sites or evaluations that any credit provider are worthy of consideration in making investment or trading decisions.

Credit card issuers and credit providers are free to change their rates and terms without reference or advice to creditcard.com.au. creditcard.com.au takes every opportunity to keep under review such rates and terms so as to keep this site up to date and to make the evaluation process relevant. For these reasons no warranty or representation is made to you that the rates and terms set out against each credit provider mentioned on this site is current.

You must protect yourself by reviewing the rates and terms of any and each credit provider to whom you apply or from whom you accept any offer to take up credit to assure yourself that the rates and terms of any offer are current and acceptable to you even though such rates and terms differ from those set out in this site.

You should evaluate or have an expert evaluate each credit provider’s accounts to establish its stability. The terms of the issue of credit cards and credit terms offered by each institution should be carefully considered when accepting any credit providers’ offers as they may contain terms unacceptable to you.

Such terms can reserve to the credit providers the right to cancel the credit card and or reduce the credit facility without (reasonable) notice and without giving you the chance to correct any default on your behalf and without allocating any (good) reason for such cancellation.

creditcard.com.au is not able to analyse such terms and deals with the statistical comparable data of credit card/credit providers currently on offer only and not the background terms and conditions and their cancellation rights. This means that you alone must read and compare such complex data. These conditions may also contain the right to consolidate and or set-off accounts so that any significant credit maintained by you in one account can be carried across to credit your outstanding debt due in another account without previous notice of intention to do so.

7. Privacy Policy of creditcard.com.au

All relevant data and information provided by you or on your behalf by others and any application you make from this site (to the extent that creditcard.com.au is privy to same) will be treated as your personal/private and or sensitive information and will be treated as your property and will not be communicated to any third party without your express or implied consent.
Your consent will be deemed to be granted when you complete and or sign any form or application.

8. Password and Security.

You may be supplied with a password, ID or other security information to assist in identifying you and your account with creditcard.com.au and or credit providers and in restricting or allowing access to your account, the personal/private and sensitive information held by creditcard.com.au and those credit providers to whom your applications has been supplied.

It is your duty to keep all such information, any password and or ID secret to yourself and not to disclose any such information to any other person including your friends, family and or business associates or professional advisers so that you are the only person who knows such information.
Releasing such information to others will imperil such secrecy and allow the public release of your security, identity and your personal/private and sensitive information held by creditcard.com.au and or the credit providers.

Any damages, suits, claims, actions, cross actions and costs arising from a breach of your duties in this Section will be subject to and indemnity which you hereby grant to creditcard.com.au.

9. Termination of Obligations.

Either party may terminate the obligations owed by each to the other by 14 days clear previous written notice served on the other by the medium of service used between the parties in immediate past communications and or by delivery personally to the other or to CreditCard.com.au Pty Ltd’s office later on identified. Such cancellation will not prejudice any rights that have accrued to each party at the date of such cancellation.

If creditcard.com.au has reason to believe that the forms and/ applications are being used for an improper purpose by you and or on your behalf then creditcard.com.au can terminate its responsibilities to you without prior notice and do so by informing you in due course and any and all credit providers to whom it and or you have lodged an application seeking credit for yourself or others. Such termination will be effected by creditcard.com.au without prejudicing its rights to recover fees, damages or rights against you and or jointly with others,

10. Commissions.

You acknowledge that CreditCard.com.au Pty Ltd earns benefits from some advertisers (including commissions). Advertisers do not pay to list their products in the comparison tables or product pages on the site, but do pay a commission when an application or approved application for a product is addressed by you or on your behalf. Advertisers do pay to place advertisements marked as ‘advertisement’ or ‘sponsored credit card.’ CreditCard.com.au Pty Ltd will not knowingly earn any commission that directly charges your account with the whole or any part of such commission.

11. Advertising.

You acknowledge that no links to or advertisements by credit providers, related parties and others may appear on the internet sites of creditcard.com.au and that creditcard.com.au may earn fees from the existence or allowance of such advertisements on its sites. creditcard.com.au will not favour such advertisers in stating the rates and terms of any advertisers or others nor by making any particular statements about any credit providers to whom you should apply nor in recommending to you which credit providers you should apply for credit facilities. Any links to other companies provided on our sites does not carry nor include any recommendation as to the company the subject of the link or the material on that linked site. None of the material on that linked site has been in any wise evaluated by creditcard.com.au. Such a link operates as a method of accessing or a short cut to that site and nothing more.

creditcard.com.au is not aware of and nor does it approve of the content of any advertisement appearing on its sites.

12. Office of creditcard.com.au.

The service of notice and documents on creditcard.com.au can, amongst other addresses or medium, be personally delivered in writing during ordinary business days and hours (being Monday to Friday inclusive, excluding public holidays) to:
CreditCard.com.au Pty. Ltd (ABN 76 646 638 146). They have their business office at Level 10, 99 York Street Sydney NSW 2000

13. Entire Agreement:

These terms and condition constitute a primary part of the agreement between you and creditcard.com.au and will not be modified or amended by any other document created between us unless by express written statement that is consistent with these terms and conditions and previously approved by in writing by creditcard.com.au.

Where there is any doubt as to the interpretation of these terms and conditions and any other document or terms then these terms and conditions will to the extent of any inconsistency prevail.
These terms and conditions and any doubt or dispute as to their interpretation will be decided under the Laws of NSW and the parties submit to the non – exclusive jurisdiction of the courts of NSW.

The failure of creditcard.com.au to exercise or enforce its rights hereunder will not constitute a waiver of its rights.

If any court finds that a term of these provisions is unenforceable or invalid then you will join with creditcard.com.au in giving effect to the substance of this agreement. The unaffected parts of these terms and conditions will remain in full force and effect between the parties and be amended by consent to achieve the substance of this agreement.

Privacy & Cookies Policy

‘creditcard.com.au’ is identified as being:
CreditCard.com.au Pty. Ltd (ABN 76 646 638 146). They have their business office at Level 10, 99 York Street Sydney NSW 2000

1. Collection

1.1 We (as CreditCard.com.au Pty Ltd) will not collect personal information unless the information is necessary for one or more of our functions or activities.
1.2 If collecting personal information we will only do it by lawful and fair means and not in an unreasonably intrusive way.
1.3 At or before the time (or, if that is not practicable, as soon as practicable after) we collect personal information you, we will take reasonable steps to ensure that you are aware of:
(a) who we are and how to contact us
(b) the fact that you can to gain access to the information;
(c) the purposes for which the information is collected;
(d) the organisations (or the types of organisations) to which the organisation usually discloses information of that kind; and
(e) any law that requires the particular information to be collected; and
(f) the main consequences (if any) for you if all or part of the information is not provided.
1.4 If it is reasonable and practicable to do so, we will collect personal information about an individual only from that individual.
1.5 If we were to collect personal information about an individual from someone else, we will take reasonable steps to ensure that the individual is or has been made aware of the matters listed in subclause 1.3 except to the extent that making the individual aware of the matters would pose a serious threat to the life or health of any individual.

2. Rights of EU members under the General Data Protection Regulation (GDPR)

If you are located in the EU, as a data subject you have the following rights under the GDPR, which this Policy and Our use of personal data have been designed to uphold:
1. The right to access, update or to delete the information we have on you.
2. The right of rectification. You have the right to have your information rectified if that information is inaccurate or incomplete.
3. The right to object. You have the right to object to our processing of your Personal Data.
4. The right of restriction. You have the right to request that we restrict the processing of your personal information.
5. The right to data portability. You have the right to be provided with a copy of your Personal Data in a structured, machine-readable and commonly used format.
6. The right to withdraw consent. You also have the right to withdraw your consent at any time where we relied on your consent to process your personal information.

3. Use and disclosure

3.1 We will not use or disclose personal information about an individual for a purpose (the secondary purpose) other than the primary purpose of collection unless:
(a) both of the following apply:
(i) the secondary purpose is related to the primary purpose of collection and, if the personal information is sensitive information, directly related to the primary purpose of collection;
(ii) You would reasonably expect us to use or disclose the information for the secondary purpose; or
(b) You have consented to the use or disclosure; or
(c) if the information is not sensitive information and the use of the information is for the secondary purpose of direct marketing:
(i) it is impracticable for us to seek your consent before that particular use; and
(ii) we will not charge you for requesting to us not to receive direct marketing communications; and
(iii) you have not made a request to us not to receive direct marketing communications; and
(iv) in each direct marketing communication with you, we draw to your attention, or prominently display a notice, that you may express a wish not to receive any further direct marketing communications; and
(v) each written direct marketing communication we send to you (up to and including the communication that involves the use) sets out our business address and telephone number and, if the communication with you is made by fax, telex or other electronic means, a number or address at which the we can be directly contacted electronically; or
(d) if the information is health information and the use or disclosure is necessary for research, or the compilation or analysis of statistics, relevant to public health or public safety:
(i) it is impracticable for us to seek your consent before the use or disclosure; and
(ii) the use or disclosure is conducted in accordance with guidelines approved by the Commissioner under section 95A for the purposes of this subparagraph; and
(iii) in the case of disclosure—we reasonably believe that the recipient of the health information will not disclose the health information, or personal information derived from the health information; or
(e) We reasonably believe that the use or disclosure is necessary to lessen or prevent:
(i) a serious and imminent threat to an individual’s life, health or safety; or
(ii) a serious threat to public health or public safety; or
(f) We have reason to suspect that unlawful activity has been, is being or may be engaged in, and uses or discloses the personal information as a necessary part of its investigation of the matter or in reporting its concerns to relevant persons or authorities; or
(g) the use or disclosure is required or authorised by or under law; or
(h) We reasonably believe that the use or disclosure is reasonably necessary for one or more of the following by or on behalf of an enforcement body:
(i) the prevention, detection, investigation, prosecution or punishment of criminal offences, breaches of a law imposing a penalty or sanction or breaches of a prescribed law;
(ii) the enforcement of laws relating to the confiscation of the proceeds of crime;
(iii) the protection of the public revenue;
(iv) the prevention, detection, investigation or remedying of seriously improper conduct or prescribed conduct;
(v) the preparation for, or conduct of, proceedings before any court or tribunal, or implementation of the orders of a court or tribunal.
Note 1: It is not intended to deter organisations from lawfully co operating with agencies performing law enforcement functions in the performance of their functions.
Note 2: Subclause 3.1 does not override any existing legal obligations not to disclose personal information. Nothing in subclause 3.1 requires an organisation to disclose personal information; an organisation is always entitled not to disclose personal information in the absence of a legal obligation to disclose it.
Note 3: An organisation is also subject to the requirements of National Privacy Principle 9 if it transfers personal information to a person in a foreign country.
3.2 If we were to use or disclose personal information under paragraph 3.1(h), we must make a written note of the use or disclosure.

4. Data quality

We take reasonable steps to make sure that the personal information we collect, use or discloses is accurate, complete and up to date.

5. Data security

5.1 We take reasonable steps to protect the personal information we hold from misuse and loss and from unauthorised access, modification or disclosure.
5.2 We take reasonable steps to destroy or permanently de identify personal information if it is no longer needed for any purpose for which the information may be used or disclosed under National Privacy Principle 2.

6. Openness

6.1 We have here and in a document set out and clearly expressed policies on its management of personal information. We will make a copy of this document available to anyone who asks for it.
6.2 On request by a person, we must take reasonable steps to let the person know, generally, what sort of personal information we hold, for what purposes, and how we collect, hold, use and discloses that information.

7. Access and correction

7.1 If we hold personal information about you, we must provide you with access to the information on your request, except to the extent that:
(a) in the case of personal information other than health information—providing access would pose a serious and imminent threat to the life or health of any individual; or
(b) in the case of health information—providing access would pose a serious threat to the life or health of any individual; or
(c) providing access would have an unreasonable impact upon the privacy of other individuals; or
(d) the request for access is frivolous or vexatious; or
(e) the information relates to existing or anticipated legal proceedings between the organisation and the individual, and the information would not be accessible by the process of discovery in those proceedings; or
(f) providing access would reveal the intentions of the organisation in relation to negotiations with the individual in such a way as to prejudice those negotiations; or
(g) providing access would be unlawful; or
(h) denying access is required or authorised by or under law; or
(i) providing access would be likely to prejudice an investigation of possible unlawful activity; or
(j) providing access would be likely to prejudice:
(i) the prevention, detection, investigation, prosecution or punishment of criminal offences, breaches of a law imposing a penalty or sanction or breaches of a prescribed law; or
(ii) the enforcement of laws relating to the confiscation of the proceeds of crime; or
(iii) the protection of the public revenue; or
(iv) the prevention, detection, investigation or remedying of seriously improper conduct or prescribed conduct; or
(v) the preparation for, or conduct of, proceedings before any court or tribunal, or implementation of its orders;
by or on behalf of an enforcement body; or
(k) an enforcement body performing a lawful security function asks us not to provide access to the information on the basis that providing access would be likely to cause damage to the security of Australia.
7.2 However, where providing access would reveal evaluative information generated within our organisation in connection with a commercially sensitive decision making process, we may give the individual an explanation for the commercially sensitive decision rather than direct access to the information.
Note: An organisation breaches subclause 7.1 if it relies on subclause 7.2 to give an individual an explanation for a commercially sensitive decision in circumstances where subclause 7.2 does not apply.
7.3 If we are not required to provide you with access to the information because of one or more of paragraphs 7.1(a) to (k) (inclusive), we must, if reasonable, consider whether the use of mutually agreed intermediaries would allow sufficient access to meet the needs of both parties.
7.4 If we charge for providing access to personal information, those charges:
(a) must not be excessive; and
(b) must not apply to lodging a request for access.
7.5 If we hold personal information about you and you are able to establish that the information is not accurate, complete and up to date, we must take reasonable steps to correct the information so that it is accurate, complete and up to date.
7.6 If you and CreditCard.com.au Pty Ltd disagree about whether the information is accurate, complete and up to date, and you ask us to associate with the information a statement claiming that the information is not accurate, complete or up to date, we must take reasonable steps to do so.
7.7 CreditCard.com.au Pty Ltd must provide reasons for denial of access or a refusal to correct personal information.

8. Identifiers

8.1 We must not adopt as our own identifier of an individual an identifier of the individual that has been assigned by:
(a) an agency; or
(b) an agent of an agency acting in its capacity as agent; or
(c) a contracted service provider for a Commonwealth contract acting in its capacity as contracted service provider for that contract.
8.1A However, subclause 8.1 does not apply to the adoption by a prescribed organisation of a prescribed identifier in prescribed circumstances.
Note: There are prerequisites that must be satisfied before those matters are prescribed: see subsection 100(2).
8.2 We must not use or disclose an identifier assigned to an individual by an agency, or by an agent or contracted service provider mentioned in subclause 8.1, unless:
(a) the use or disclosure is necessary for us to fulfil our obligations to the agency; or
(b) one or more of paragraphs 3.1(e) to 3.1(h) (inclusive) apply to the use or disclosure; or
(c) the use or disclosure is by a prescribed organisation of a prescribed identifier in prescribed circumstances.
Note: There are prerequisites that must be satisfied before the matters mentioned in paragraph (c) are prescribed: see subsections 100(2)
and (3).
8.3 In this clause:
Identifier includes a number assigned by an organisation to an individual to identify uniquely the individual for the purposes of the organisation’s operations. However, an individual’s name or ABN (as defined in the A New Tax System (Australian Business Number) Act 1999) is not an identifier.

9. Anonymity

Wherever it is lawful and practicable, individuals must have the option of not identifying themselves when entering transactions with an organisation.

10. Transborder data flows

CreditCard.com.au Pty Ltd may transfer personal information about an individual to someone (other than the organisation or the individual) who is in a foreign country only if:
(a) we reasonably believe that the recipient of the information is subject to a law, binding scheme or contract which effectively upholds principles for fair handling of the information that are substantially similar to the National Privacy Principles; or
(b) the individual consents to the transfer; or
(c) the transfer is necessary for the performance of a contract between the individual and CreditCard.com.au Pty Ltd, or for the implementation of pre contractual measures taken in response to the individual’s request; or
(d) the transfer is necessary for the conclusion or performance of a contract concluded in the interest of the individual between CreditCard.com.au Pty Ltd and a third party; or
(e) all of the following apply:
(i) the transfer is for the benefit of the individual;
(ii) it is impracticable to obtain the consent of the individual to that transfer;
(iii) if it were practicable to obtain such consent, the individual would be likely to give it; or
(f) we have taken reasonable steps to ensure that the information which it has transferred will not be held, used or disclosed by the recipient of the information inconsistently with the National Privacy Principles.

11. Sensitive information

11.1 We must not collect sensitive information about you unless:
(a) you have consented; or
(b) the collection is required by law; or
(c) the collection is necessary to prevent or lessen a serious and imminent threat to the life or health of any individual, where the individual whom the information concerns:
(i) is physically or legally incapable of giving consent to the collection; or
(ii) physically cannot communicate consent to the collection; or
(d) the collection is necessary for the establishment, exercise or defence of a legal or equitable claim.
CreditCard.com.au Pty Ltd stores your details if you subscribe to a CreditCard.com.au Pty Ltd email newsletter service. We cannot be held responsible for breach of security and any losses due to any breach of security. Details that you enter when you sign up to receive updates will be used to fulfil our obligations to you. These include:

1. Answering enquiries.
2. Responding to feedback, comments, or any other contact.
3. Sending you email newsletters that you have subscribed to.

Your information will also be used by us for:

1. Analysis and assessment.
2. Carrying out competitions.
3. Third-party vendors who provide services or functions on our behalf, including business analytics, customer service, marketing, distribution of surveys, and fraud prevention. We may also authorise third-party partners to gather information on our behalf, including as necessary to operate features of our website. Third-party vendors have access to and may collect information only as needed to perform their functions and are not permitted to share or use the information for any other purpose.

You are able to request access to information held about you by CreditCard.com.au Pty Ltd. To make such a request, please write a letter to us at:
CreditCard.com.au Pty Ltd
Attn: Privacy Manager
Level 10, 99 York Street Sydney NSW 2000
CreditCard.com.au Pty Ltd takes your privacy seriously and if any issue has arisen in relation to privacy and the use of this site, you may contact us at [email protected]