UniCredit Credit Card; UniCredit issues Low rate credit cards, Rewards credit cards and Platinum credit cards

 UniCredit SpA is an Italy-based, pan-European banking organization, with aprox 40 million customers and operations in 22 countries. The company has its registered office in Rome and general management in Milan. UniCredit's core markets are Italy, Austria, Russia and Southern Germany. UniCredit also has operations in Central and Eastern Europe. The UniCredit Group has investment banking divisions in London, Milan, Munich, Vienna, Moscow, Budapest and Warsaw. UniCredit Group was the outcome of the 1998 merger of several Italian banks.

In 1999, UniCredito Italiano, as it was then known, began its expansion in Eastern Europe with the acquisition of Polish Bank Pekao. In 2005, UniCredit merged with the German group HVB, itself formed in 1998 by the combination of two Bavarian banks: Bayerische Vereinsbank and Bayerische Hypotheken-und Wechsel-Bank. Integration with the HVB Group, reinforced by the merger with Bank Austria Creditanstalt in 2000 enabled further growth for UniCredit Group, but was only marginally profitable. Bank Austria Creditanstalt is a major shareholder in Bank Medici AG. Following news that the Bank Medici had invested US$2 billion with Bernard Madoff, Vienna appointed a supervisor to run the private bank, raising questions about control of the sprawling group.

In 2007, by combination with the Capitalia Group, the third-largest Italian banking group, UniCredit Group consolidated and strengthened its position, but added considerably to its overhead costs. In the same year, two more acquisitions were carried out: ATF Bank, which ranks fifth of domestic banks in Kazakhstan with 154 branches, and Ukrsotsbank, a retail bank. With these two banks the Group extended its operations in this area to 19 countries (including Central Asia).

The Group also controls the Banco di Sicilia Group, one of the oldest Italian banks.

Compare the main features of 3 Master Card Credit cards side by side 

UniCredit says People use credit cards in different ways to suit their own circumstances. Whatever way you prefer to use them, "MyCard" has a card for you.

 Low rate - an intro rate of only 9.90% for 1 year and then a rate of only 13.60%. Plus 55 days interest free. º

Enjoy a low rate 9.9% for 12 months on retail purchases¹. After the 12 month period the standard credit card retail purchase rate of 13.60% p.a. will apply to all purchases¹.

·  Generous credit limits subject to credit criteria²

·  Up to 55 days interest free³

·  Purchase Cover Insurance⁴

·  Guaranteed Pricing Scheme⁴

Rewards - our card with a Rewards program. 1 point per $1 and up to 55 days interest free.

1.9% p.a. For 6 months on balance transfers⁵. After the 6 month period the standard cash advance of 20.49% p.a. will apply⁵.

·  Earn 1 reward point for every $1 spent on your card⁶

·  Generous Credit Limits subject to credit criteria²

·  International Travel Insurance⁴

·  Purchase Cover Insurance⁴

·  Guaranteed Pricing Scheme⁴

Platinum - a pumped up rewards program with 1.25 points per $1 spent, and up to 55 days interst free.

50% off the annual fee for the first year⁷. 0% for 9 months on balance transfers⁸. After the 9 months period the standard cash advance rate of 21.24% will apply⁸.

· 50% off the annual fee for the first year¹

· Earn 1.25 reward points for every $1 spent on your card³

· Generous Credit Limits subject to credit criteria

· International Travel Insurance⁵

· Interstate Flight Inconvenience Insurance⁵

· Transit Accident Insurance⁵

· Platinum Concierge Service

· Purchase Cover Insurance⁵

· Guaranteed Pricing Scheme⁵

Terms and Conditions of the Card Services Rewards Program

Final approval of your MasterCard® application will be subject to satisfyingCard Services Credit Criteria. Fees and charges apply. Terms and conditions apply and are available upon request. This website may contain general advice which doesn’t take into account your individual objectives, financial situation or needs. You should consider the relevant financial product’s “Product Disclosure Statement” before making a decision about any financial product.

All rewards are subject to the Terms and Conditions of the Card Services Rewards Program. Reward points are not earned on cash advances, special promotions or balance transfers. Reward points never expire while the account remains open.

1. The 9.9% p.a. introductory interest rate will only apply to retail purchases made on your account for a period of 12 months after account opening. Cash advances during the introductory interest rate period are subject to your cash advance interest rate. At the end of the introductory interest rate period your interest rate for new purchases and any unpaid purchase balance will revert to your interest rate for purchases. Interest rates are variable, subject to change and credit criteria. This information is current as at 01/02/12. This offer ends 31/12/2012.

2. Actual credit limit will be assigned based on our Credit Criteria, your credit rating, and subject to confirmation that you earn a minimum of $25,000 p.a. for the Low Rate card, $35,000 p.a. for the Rewards card or $50,000 for the Platinum card. Credit limit is up to $15,000 for Low Rate card, $25,000 on Rewards card or $60,000 on Platinum card, at point of initial approval. Over time, you may apply to increase your credit limit if you satisfy our credit criteria.

3. The maximum 55 days interest free period applies when you pay your balance off in full for two consecutive months. If you carry a balance on your credit card from month to month the 55 days interest-free period does not apply and you are charged interest once you make a purchase. No interest free period is available on Cash Advances or Balance Transfers.

4. Complimentary insurance is provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and are subject to Terms and Conditions and exclusions available at www.cardservicesdirect.com.au. An excess applies to Purchase Cover Insurance.

5. The promotional rate of 1.9% p.a. applies for 6 months on balances transferred with this offer. Transferred balances will be repaid first during this period. Annual fees attract interest at the retail purchases rate. Outstanding transferred balances at the end of the promotional period will revert to the standard cash advance rate. To be eligible for the offer, you need to apply for the MyCard Rewards MasterCard by 31/12/2012. Approved customers only. The 6 month promotional period commences once balance transfer is processed. Any transactions made other than balance transfers in connection with this offer are at the standard variable credit card rates, currently 19.74% p.a. for retail purchases and 20.49% p.a. for cash advances. Interest rates are variable, subject to change and our credit criteria. The interest rates are current as at 1/02/12. This offer ends 31/12/2012.

6. All Rewards are subject to the Terms and Conditions of the Card Services Rewards Program. Reward points are not earned on Cash Advances, Special Promotions or Balance Transfers. Reward points never expire while the account remains open and provided your account is in good order.

7.Subject to your acceptance you will be charged a discounted annual fee of $89 in the first year, which will revert back to the full annual fee of $179 in subsequent years. Half price annual fee offer ends 31/12/2012.

8. The promotional rate of 0.0% p.a. applies for 9 months on balances transferred with this offer. Transferred balances will be repaid first during this period. Annual fees attract interest at the retail purchases rate. Outstanding transferred balances at the end of the promotional period will revert to the standard cash advance rate. To be eligible for the offer, you need to apply for the MyCard Platinum MasterCard by 31/12/2012. Approved customers only. The 9 month promotional period commences once balance transfer is processed. Any transactions made other than balance transfers in connection with this offer are at the standard variable credit card rates, currently 20.24% p.a. for retail purchases and 21.24% p.a. for cash advances. Interest rates are variable, subject to change and our credit criteria. The interest rates are current as at 1/02/12. This offer ends 31/12/2012.

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