The mini print

1. Cash back is calculated as 1% of net purchases made during a statement period and is credited directly to your National Visa Mini account. Cash back to your account is capped at $10.00 per statement period. Purchases included in the cash back calculation are described in the terms and conditions which are available on application or by going to national.com.au/visamini
2. The Annual Card Fee for a National Visa Mini account is $19.00 as at 1 February 2005 and is subject to change.
3. 5.90%p.a. will apply to any balance transfer amount for the period from the time the balance transfer is made to your account for up to six complete monthly statement periods, unless the balance transfer amounts are paid off earlier. These balance transfer amounts are designated as cash advances for the purposes of the National Credit Cards Terms and Conditions. If at the end of the six month statement period applicable to any balance transfer amount a portion of that balance transfer amount is owing, that amount will attract interest at the National Visa Mini Indicator Rate (as advertised from time to time) then applicable to your National Credit Card account. This rate is 16.95%p.a. as at 1 February 2005 and is subject to change. A payment to your National Credit Card account under this Special Promotion will be applied to the balance transfer amounts (designated as cash advances) before any other cash advance or purchase amounts. Your National Credit Cards Terms and Conditions set out in detail the order in which payments are applied. Please note the promotional rate of 5.90%p.a. for up to six months on balance transfer amounts will appear separately on your National Credit Card statement and only applies to balance transfers from non-National credit card or store accounts.

Approval is subject to the National's standard credit assessment criteria. Terms and Conditions available upon application. Fees and charges apply.

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The National Australia Bank Group of companies does not represent, warrant or guarantee that the integrity of this communication has been maintained nor that the communication is free of errors, virus or interference.