DEFCOM Credit Cards

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MasterCard overview
Links to FlyBuys
Access to discounts
Interest and repayments
How to apply

DEFCOM Protectors MasterCard
(which can be linked to FlyBuys)

This exclusive MasterCard can earn you points towards fantastic awards through FlyBuys. Other benefits include:

A competitive interest rate of Purchases: 18.99% p.a., Cash Advances: 18.99% p.a. - both- 0.50% p.a. less than NAB's Standard Card (Purchase) and (Cash Advance) Indicator Rates (both currently 19.49% p.a. as at 20 May 2010)¹
Up to 44 days interest-free on purchases²
$30.00 annual card fee³
The option to transfer your balance from any other credit or store card accounts⁴
The ability to link your card to your other NAB transaction accounts

¹	Terms and Conditions are available upon application. Fees and charges apply.
²	Excludes cash advances (including bills paid over the counter at a bank, financial institution or post office and for the purchase of traveller's cheques).
³	The annual fee as at 1 April 2007 is $30.00 for a DEFCOM Protector's MasterCard and is subject to change.
⁴	Excludes NAB Credit Card and Debit Card accounts. Terms and conditions apply.

Link your card to FlyBuys and earn great rewards

Earn 1 FlyBuys point from NAB for every $5 of purchases made with your linked DEFCOM Protectors MasterCard.⁵

⁵

Purchases are calculated as total credit purchases less sales credits (i.e returns) and adjustments during a statement period. Excludes cash advances (including bills paid over the counter at a bank, financial institution or post office and purchases of travellers cheques) or when the card is used as a debit card to access linked accounts or transactions we decide are wholly or partly for a business purpose. Also excludes fees and charges (including government fees and charges), interest charges, transactions which are disputed, fraudulent or involve abuse of your credit card account, payments and purchases which are refunded or reimbursed.

Earn points even faster

Earn 2 FlyBuys points for every $5 you spend at participating FlyBuys businesses. Just use your linked DEFCOM Protectors MasterCard (which earns you points from NAB), and present your FlyBuys card (which earns you points from the participating business).⁶
Some FlyBuys business partners include: Target, Kmart, Baby Target, Kmart Tyre and Auto, Coles Supermarkets, Coles Online, Coles Express (excluding fuel), Vintage Cellars, BI-LO, Newmart, Liquorland, Liquorland Direct and Harris Technology.⁷

Check the FlyBuys website for specific FlyBuys points offers and more details.

⁶	Minimum thresholds apply
⁷	Participating businesses have different points issuance rates. Standard FlyBuys terms and conditions apply.

How to join FlyBuys

If you aren’t already a FlyBuys member, call the FlyBuys Service Centre on 13 1116, 9am – 7pm EST, Monday to Friday (excluding public holidays) or register online at flybuys.com.au. Once registered you can link your new DEFCOM MasterCard by filling in a FlyBuys Request to Link form found at nab.com.au at any NAB branch, or by calling NAB's Customer Service Centre on 13 22 65.

Access to discounts

A DEFCOM Protectors MasterCard entitles you to complimentary membership of the NAB Cellar Selections.⁸ This opens the door to tempting savings on quality Australian wines.

You'll also be able to enjoy special deals on selected musical, theatrical and sporting events (as well as last minute special offers via e-mail or SMS) through MasterCard Box Office Applause. To register just visit www.mastercardapplause.com.au or call 1300 362 397, (8am-8pm, Monday to Friday, 10am-6pm, Saturday and 10am-4pm, Sunday).⁹

⁸ NAB Cellar Selcetions is operated by Australian Wine Selectors Pty Ltd. ABN 64 056 402 772
⁹ Selected events. Service fee and conditions apply. Other fees and charges may also apply.

Interest and Repayments

Keeping track of your savings and expenses is easy with your DEFCOM Protectors MasterCard. You'll receive a fully itemised statement showing all your transactions each month, and among other information, the minimum amount you need to pay.

You only need to pay the minimum payment by the due date shown on your statement. Should you choose to spread your repayments over several statement periods rather than paying the closing balance of the statement by the due date, you'll be charged interest on purchases from the date they are debited to your account until the account is paid in full. Interest-free days are reinstated when the closing balance on your statement is paid in full by the due date.

In the case of cash advances, interest is calculated daily from the date the cash advance is charged to your account until it is repaid in full. Full details on charges and interest calculation will be provided upon approval of your application.

There are 8 convenient repayment methods to choose from:

NAB Telephone Banking¹⁰
NAB Internet Banking
Through BPAY®¹¹
At any NAB branch
Via a Direct Debit arrangement
At any NAB ATM¹²
At any Australia Post Outlet displaying the giroPost sign¹³
Or via mail

¹⁰	Cost of a local call. Mobile phone charges apply if calling from a mobile phone. For international access dial +61 13 22 65. Fees apply. Some billers may not accept BPAY from credit cards. Terms and Conditions apply and are available upon application. Fees and charges apply.
¹¹	Terms and Conditions apply and are available upon application. Fees and charges apply.
¹²	Deposit Facilities are not available at some ATMs.
¹³	You will require a Personal Identification Number (PIN) to make repayments at Australia Post.

® Registered to BPAY Pty Ltd ABN 69 079 137 518

How to apply

It's easy to begin enjoying the savings of a DEFCOM Protectors MasterCard.

Download an application form Please return the completed application to:

National Australia Bank
Reply Paid 4988
MELBOURNE VIC 8060

N.B. No postage stamp required if posted in Australia.

Identification

If you aren't already a NAB customer, you'll need to visit one of our branches with 100 points of identification to open an account. This can include:

Passport (70 Points)
Birth certificate (70 Points)
Non-National credit card (25 Points)
Driver's Licence (40 Points)
Medicare card (25 points)

A complete listing of eligible forms of identification and their point value are available at any NAB branch. Or call the NAB Customer Service Centre on 13 22 65, 8am - 8pm EST, Monday to Friday.

Evidence of income

When applying, you'll also need to provide proof of income (e.g. your latest salary advice, tax return or a letter from your employer), and place of residence (e.g. a rates notice, or rental agreement).

Commission
DEFCOM Pty Ltd (ABN 55 010 906 699) will receive a commission from NAB of $5 when your new DEFCOM Protectors MasterCard is activated and issued. When purchases are paid for using your DEFCOM Protectors MasterCard, a commission of 0.16% is paid on the monthly turnover value of net retail purchase transactions (excluding cash advances).

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