Credit Card Disclosures
We will use your personal information to send you offers for products and services we believe may be of interest and value to you (including by email, SMS or other means) unless you have previously told us that you do not want to receive marketing offers from us. The products and services offered may be provided by us or one of our third-party partners. If you do not want to receive direct marketing offers from us, you can manage your marketing preferences within online banking, let us know using the contact details in our Privacy Statement or follow the opt-out instructions in the message.
(i) Incomplete form consent
You agree to receive communications from us about this application by email, phone and/or SMS before and after you complete the form.
(ii) Electronic communications consent
By applying online, you agree to receive all communications relating to your account electronically. This means:
- We may no longer post you paper documents
- You'll need to check regularly for emails from us
- Your welcome pack (including your terms and conditions and other disclosure documents) will be sent to the email address you provide in your application, you won't be able to change the email address to which the welcome pack is sent
- We will notify you via email when your statements are ready to be viewed online.
You can update your preferences in Online Banking at any time. This includes:
- Updating your email address
- Changing to paper statements
- Opting-out of electronic communications.
If you don't consent to receive documents electronically, you can apply for this credit card at your nearest branch or by calling 1300 651 089 (8am-8pm)
(iii) Credit consent
By making this application, you consent to us:
- Obtaining credit information about you from a credit reporting body so we can assess your creditworthiness (for business credit cards only).
- Exchanging personal information and credit information about you with other credit providers in order for us or them to:
- assess your applications for credit and your creditworthiness (including exchanging information about any defaults by you) and
- manage credit borrowed by you.
- Disclosing your personal information (including information we already hold about you) to other co-applicants.
(iv) Guarantee/Guarantor consent (for applicable business credit cards)
Where a guarantee may be given in connection with your credit card, you consent to us disclosing credit information and personal information that we hold about you to a guarantor or proposed guarantor:
- For the purpose of that person considering whether to act as a guarantor or offer property as security for the credit
- As required by the Australian Banking Association's Banking Code of Practice or
- As otherwise permitted by law.
If you are a proposed guarantor, you consent to us obtaining credit reporting information about you from a credit reporting body for the purpose of assessing whether to accept you as a guarantor.
(v) Broker consent (for applicable business credit cards)
If you have made your application or have been introduced to us through a broker or other intermediary, you consent to us:
- Sharing credit information and other personal information about you with the broker or intermediary, as your authorised representative. If we refer your application for further assessment or decline your application, this includes information from your credit report and any information we derive from your credit report and
- Communicating directly with them (instead of you) in relation to your application.
(vi) Online Identity Verification Terms (if applicable)
You agree to the Online Identity Verification Terms (if you use this verification method).
(vii) Application check consent
We may confirm the details of the information provided in your application which includes contacting your employer to confirm salary, address or other personal details.
(viii) Additional cardholder consent (applicable to select business credit cards)
- You agree that the person named in the application as an additional cardholder is at least 16 years of age.
- You consent to us giving an additional cardholder information about your card account.
(i) Electronic communications consent
By applying online, you agree to receive all communications relating to your account electronically. This means:
- We may no longer post you paper documents
- You'll need to check regularly for emails from us
- Your welcome pack (including your terms and conditions and other disclosure documents) will be sent to the email address you provide in your application, you won't be able to change the email address to which the welcome pack is sent
- We will notify you via email when your statements are ready to be viewed online.
You can update your preferences in Online Banking at any time. This includes:
- Updating your email address
- Changing to paper statements
- Opting-out of electronic communications.
If you don't consent to receive documents electronically, you can apply for this credit card at your nearest branch or by calling 1300 651 089 (8am-8pm).
(ii) Credit consent
By making this application, you consent to us:
- Obtaining credit information about you from a credit reporting body so we can assess your creditworthiness (for business credit cards only).
- Exchanging personal information and credit information about you with other credit providers in order for us or them to:
- assess your applications for credit and your creditworthiness (including exchanging information about any defaults by you) and
- manage credit borrowed by you.
- Disclosing your personal information (including information we already hold about you) to other co-applicants.
(iii) Guarantee/Guarantor consent (for applicable business credit cards)
Where a guarantee may be given in connection with your credit card, you consent to us disclosing credit information and personal information that we hold about you to a guarantor or proposed guarantor:
- For the purpose of that person considering whether to act as a guarantor or offer property as security for the credit
- As required by the Australian Banking Association's Banking Code of Practice or
- As otherwise permitted by law.
If you are a proposed guarantor, you consent to us obtaining credit reporting information about you from a credit reporting body for the purpose of assessing whether to accept you as a guarantor.
(iv) Broker consent (for applicable business credit cards)
If you have made your application or have been introduced to us through a broker or other intermediary, you consent to us:
- Sharing credit information and other personal information about you with the broker or intermediary, as your authorised representative. If we refer your application for further assessment or decline your application, this includes information from your credit report and any information we derive from your credit report and
- Communicating directly with them (instead of you) in relation to your application.
(v) Application check consent
We may confirm the details of the information provided in your application which includes contacting your employer to confirm salary, address or other personal details.
(vi) Additional cardholder consent (for applicable consumer and business credit cards)
- You agree that the person named in the application as an additional cardholder is at least 16 years of age.
- You consent to us giving an additional cardholder information about your card account.
(i) Acceptance of Credit
The application is not an offer or acceptance of credit.
(ii) Additional cardholder acknowledgements (if applicable)
You acknowledge:
- You are liable to pay for (or to repay) any credit provided to an additional cardholder on your card account
- You are responsible for all those transactions as if you made them yourself.
- You must tell us in writing if you want to cancel an additional card or stop an additional card from being used
- You must return that card to us or, if you are unable to do so, you must give us reasonable evidence that you have taken reasonable steps to have the card returned to us and
- You are responsible for transactions made with an additional card (even if those transactions are debited to your card account at a later time) until we receive that additional card or, if you are unable to return the card, until the later of:
- The date you ask us to cancel the card and
- When you have taken all reasonable steps to have it returned to us.
You state that:
- The account(s) will be held in the name of a person
- The account(s) will not be held in trust and
- If you are known by any other name, you have already provided your other name(s) to us or you will contact us to provide your other name(s) as part of your application for the account(s).
Note: It is an offence under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 to:
- Give false or misleading information
- Receive a loan, credit card or deposit account in a false name.
We are required under domestic and international laws to collect and report financial and account information relating to individuals and organisations who are, or may be, foreign tax residents. We may ask you whether you or any shareholder, beneficiary, settlor or controlling person are a foreign tax resident from time to time, such as when you open an account with us, or if your circumstances change. If you do not provide this information to us we may be required to limit the services we provide to you.
Unless you tell us otherwise, by completing any application, you certify that any shareholder, named beneficiary, settlor or controlling person is not a foreign tax resident. You must tell us if you, or any shareholder, named beneficiary, settlor or controlling person is, or becomes, a foreign tax resident (unless an exemption applies, such as for shareholders of listed companies). Where there are no named beneficiaries (e.g. for beneficiaries identified only as a class) you must tell us if a beneficiary is a foreign tax resident immediately when any decision is made to identify and make a distribution to them. You may contact us to provide foreign tax residence information by calling 1300 725 863.
We cannot give tax advice, so please contact your independent tax advisor if you need help finding out whether any person is a foreign tax resident.
- We are required to identify tax residents of a country(ies) other than Australia in order to meet account information reporting requirements under local and international laws.
- If at any time after account opening, information in our possession suggests that you, the entity and/or any individual who holds ownership and/or control in the entity of 25% or more (Controlling Person/Beneficial Owner) may be a tax resident of a country(ies) other than Australia, you may be contacted to provide further information on your foreign tax status and/or the foreign tax status of the entity and/or any Controlling Person/Beneficial Owner. Failure to respond may lead to certain reporting requirements applying to the account.
- By completing this application you certify that if at any time there is a change to the foreign tax status details for you, the entity and/or any controlling persons/beneficial owner, you will inform the bank. You also certify that if at any time there is a change of a controlling person/s/beneficial owner/s in your entity, you will inform the bank.
- A controlling person/beneficial owner refers to the individual(s) that directly or indirectly owns a legal interest in the entity of 25% or more and/or exercises actual effective control over the entity, whether from an economic or other perspective such as through voting rights. In addition, in the case of a trust, a controlling person/beneficial owner includes the settlor(s), trustee(s), appointer(s), protector(s), beneficiary(ies) or classes of beneficiaries and in the case of an entity other than a trust, the term includes persons in equivalent or similar positions.
- By completing this application, you also certify that the settlor(s) and/or any named beneficiary(ies) are not foreign tax residents. If the settlor(s) and/or any named beneficiary(ies) are a foreign tax resident, you must telephone 1300 668 155 at the time of completing this application. If, at the time of completing this application, there are no named beneficiaries, you confirm you will telephone 1300 668 155 immediately after a decision has been made to make a distribution to such beneficiaries and their identities become known. When you contact us, you will be asked to provide additional information for the settlor(s) and/or named beneficiary(ies).