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Things You Should Know

The Everyday Money™ credit card is issued by HSBC Bank Australia Limited ABN 48 006 434 162 and HSBC is the credit provider. Lending criteria applies. Fees, Charges and Interest Rates apply and are current as at 11 January 2010 and are subject to change. Terms and conditions apply and are available upon request. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. *As rated by CANSTAR CANNEX, May 2009. 1. The bonus $50 shopping card is only available to new approved primary cardholders who apply between 11 January 2010 and 31 March 2010, and who make 3 purchases on their new card by 31 May 2010 (excluding Dick Smith interest free promotions). Your account must be current and not in arrears. The bonus $50 shopping card offer cannot be used in conjunction with any other bonus offer. Allow up to eight weeks from date of third purchase on your credit card for receipt of your shopping card. 2. No reward points are earned on business expenses, Dick Smith interest free promotions, interest free merchant purchases, balance transfers and cash advances. 1 point for every dollar excludes Dick Smith interest free promotions. 2 points for every dollar excludes Dick Smith interest free promotions, purchases at online sites, standalone photo kiosks, DVD vending machines, mobile EFTPOS terminals and Dick Smith and Tandy franchisees and resellers. For a list of franchisees and resellers please call 1300 10 1234. 3. The Everyday Money™ Shopping Card is redeemable at participating stores only and expires 90 days after the date of issue. Participating stores may change from time to time. The shopping card is currently not accepted at some designated Dick Smith, Tandy and CALTEX WOOLWORTHS/SAFEWAY co-branded fuel outlets. The shopping card cannot be used for online purchases (except Homeshop), at standalone photo kiosks, optical counters, DVD vending machines and mobile EFTPOS terminals. For a full list of participating stores where you can use your shopping card, details of the points you’ll need to obtain one, and to find out its value, visit everydaymoney.com.au or call 1300 10 1234.