The Qantas American Express Ultimate Card

Purchase Rate

20.74 %
p.a.
Cash Advance Rate
0% p.a.
Interest Free
Up to 44 days
Annual Fee
$450.00
Balance Transfer Rate
0% p.a.
for first 12 months
  • Receive 100,000 bonus Qantas Points when you apply online by 14 April 2020, are approved and spend $3,000 on your new Card within the first 3 months. T&Cs apply. New Card Members only.
  • Earn 1.25 Qantas Points per $1 spent on eligible purchases. See Reward Yourself section for more details
  • $450 Qantas Travel Credit each year. Use your Qantas Travel Credit for eligible international or domestic Qantas flights when you book and pay online at American Express Travel.
  • Enjoy complimentary access up to two entries per year to the American Express Lounge at Sydney International Airport or Melbourne International Airport.
  • Enjoy two complimentary Qantas Club lounge invitations each year after your first Card spend on selected Qantas products and services.
  • Complimentary Qantas Wine Premium Membership
  • 0% p.a. on balance transfers for the first 12 months - A one-off credit plan establishment fee of 1% applies.
  • Complimentary domestic and international travel insurance.
  • Eligible for use with Android Pay, Apple Pay and Samsung Pay

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance

Rewards Program

  • With the Qantas American Express Ultimate Card there is no cap on the amount of Qantas Points you can earn, while having them automatically transferred to your Qantas Frequent Flyer account each month.
  • Earn 1.25 Qantas Points10 for every $1 spent on Card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent
  • Earn 1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia.
  • Receive 100,000 bonus Qantas Points when you apply online by 14 April 2020, are approved and spend $3,000 on your new Card within the first 3 months. Offer available to new American Express Card Members only
Rewards Points per Dollar 1.25 Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* - Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card* SPEND FOR SYD/MEL RETURN* -
Lifetime of Points  
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines Qantas/Qantas Frequent Flyer Program
International Airlines Qantas plus other oneworld alliance partners
Conditions

Visit the issuer's website for additional information.

Terms & Conditions
Cards are offered, issued, and administered by American Express Australia Limited ABN 92 108 952 085, Australian Credit Licence No. 291313. American Express income and credit approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 10 February 2020 and are subject to change. Applicants must be 16 years of age or over, reside in Australia and earn a minimum income of $65,000 per annum to apply for the Qantas American Express Ultimate Card. An Australian citizen or permanent resident or hold a long term visa. Long term means 12 months or more and does not include a student visa. Bonus & Eligibility: 100,000 bonus offer is only available to new American Express Card Members who apply online for the Qantas American Express Ultimate Card by 14 April 2020, are approved and spend $3,000 on eligible purchases on their new Card in the first 3 months from the Card approval date. This is a limited time offer which may be withdrawn or changed at any time without notice. Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited, in the preceding 18 month period are ineligible for the bonus Qantas Points offer. Eligible purchases do not include cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. Qantas Points are earned in accordance with and subject to the Qantas American Express Card Points Terms and Conditions. Please allow 8 to 10 weeks after you have met the spend criteria for the 100,000 Qantas Points to be credited to your Qantas Frequent Flyer account. Qantas Frequent Flyer membership and the earning and redemption of points are subject to the Terms and Conditions of the Qantas Frequent Flyer program available at qantas.com/terms. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. Interest Rate. This interest rate does not apply for Cash Advances and associated fees. Interest Free Period. You will have up to 44 days interest free on purchases provided you pay the full closing balance of your monthly statement by the due date each month. There is no interest free period on balance transfers or if you carry forward a balance from the previous statement period. The total of interest free days will depend on when you make the purchase and when your statement is issued. Qantas Travel Credit. Qantas American Express Ultimate Card Members are eligible for one $450 Qantas Travel Credit per year. The Qantas Travel Credit can be redeemed for any eligible Qantas flight booked (i.e. a QF flight number on your ticket) and paid online through American Express Travel in a single booking. All travel is subject to Qantas Conditions of Carriage. For bookings less than $450 any unused portion of the Qantas Travel Credit will be forfeited. The Qantas Travel Credit can be used from the anniversary date and cannot be carried forward to any subsequent year. Your Qantas Travel Credit for that year will be forfeited if you cancel your booking, subject to Qantas Travel Credit, Terms and Conditions. American Express Lounge. Entry into The American Express Lounge is governed by the full Terms and Conditions available at amex.com.au/airportlounge. All entrants must adhere to the General Conditions of Entry. Qantas American Express Ultimate Card Members are entitled to a total of two (2) entries into the American Express Lounges in Australia per calendar year (1 January to 31 December). Complimentary access is available for the Card Member's children between the ages of 2-17. Card Members wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member's American Express Card. Qantas Club Lounge. Provided you are a Qantas Frequent Flyer and have registered your Qantas Frequent Flyer number with your Qantas American Express Ultimate Card, you are eligible to receive two Qantas Club Lounge Invitations each anniversary year of your Card Membership after purchasing on selected Qantas products and services using your Qantas American Express Ultimate Card. Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased directly from Qantas.com.au; Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. Subject to Qantas American Express Card Points Terms and Conditions. Within 2 weeks of purchasing selected Qantas products and services, you will receive an email from Qantas confirming the Qantas Club Lounge Invitations are available for use. Login to the Complimentary Invitations Portal using your Frequent Flyer details to access your invitation, link it with an eligible Qantas flight booking or find out more information. Qantas Club Lounge Invitations are valid for a single visit by one guest to a Qantas Club Lounge and must be used prior to their expiry. Invitations are subject to the Qantas Club Terms and Conditions and are not valid for Qantas International First Class Lounges, the Qantas Chairman’s Lounge, Qantas Domestic Business and or oneworld® alliance partner or associated lounges. Qantas Club Invitations cannot be carried forward to any subsequent year and must not be sold, they may only be transferred as allowed by Qantas. Invitations may be revoked or withheld if your Qantas American Express Ultimate Card account is not in good standing, if the selected Qantas products and services are refunded in full or if you have not complied with these Qantas Club Invitation Conditions, the Credit Card Terms and Conditions or the Qantas Club Lounge Access Terms and Conditions. Insurance. The Qantas American Express Ultimate Card insurance is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits) - please see the Terms and Conditions. You must use your Qantas American Express Ultimate Card to pay for your return trip in order to be eligible for the travel insurance or pay for eligible items in order to be covered under the insurance. The insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy held by American Express International, Inc. (ABN 15 000 618 208, AFSL No. 237996). Card Members are not a party to the group policy, but may be able to claim under it as third party beneficiaries. This webpage does not take into account your objectives or financial situation. You should read the full terms and conditions to decide if this insurance meets your needs. Fraud Protection Guarantee. Provided that you do not contribute to or unreasonably delay reporting any misuse of your Account and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges. Emergency Card Replacement. If your Credit Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 363 687. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you are not liable for any unauthorised charges. Qantas Points. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership and the earning and redemption of points are subject to the Terms and Conditions of the Qantas Frequent Flyer program available at qantas.com/frequentflyer. Qantas Points and bonus Qantas Points are earned in accordance with and subject to the Qantas American Express Cards Points Terms and Conditions, and exclusions apply. Eligible purchases do not include cash advances, interest, balance transfers, fees and charges for traveller's cheques and foreign currencies - these do not earn Qantas Points. For the full list of exclusions, please refer to the Qantas American Express Cards Points Terms and Conditions. Government transactions will earn 0.5 points per dollar spent with Merchants classified as; 'government', including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through payment aggregator may earn rates at the government earn rate. Additional Qantas Points. Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased directly from Qantas.com.au; Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. Subject to Qantas American Express Card Points Terms and Conditions. No Cap On Earn Rate. As long as your account remains current and in good standing. Additional Cards. Additional Card Members must be 16 years of age or over. Additional Card Members were previously referred to as “Supplementary Card Members”. The basic Card Member will be liable to pay for all transactions made by Additional Card Members. Classic Flight Rewards. Classic Flight Rewards are subject to capacity controls, availability is limited and some flights may not have any Classic Flight Reward seats available. Taxes, fees and carrier charges are payable in addition to the Qantas Points required. For more information, visit qantas.com/classicflightrewards. Qantas Wine. Qantas Wine Premium Membership and its benefits are subject to the Qantas Wine Terms and Conditions. To join or purchase from Qantas Wine, you must be a Qantas Frequent Flyer member aged 18 years or older and have an Australian delivery address. An annual Membership fee usually applies for Qantas Wine Premium Membership but this will be waived so long as you continue to hold your Qantas American Express Ultimate Card. Complimentary joining gift is not available with this offer. Qantas Wine Premium members will earn 3 Qantas Points per dollar on qantasepiqure.com.au. Liquor Act 2007: It is an offence to sell or supply to or to obtain liquor on behalf of a person under the age of 18 years. Licence Number: LIQP770016736. Qantas Wine Delivery. Delivery is subject to the Qantas Wine Terms and Conditions and available within Australia only. Balance Transfers. Offer not available for Card Members who currently hold or who have previously held any other Card product offered by American Express Australia Limited in the preceding 60 day period. Balances may not be transferred from another Credit Card issued by American Express Australia Limited. The promotional balance transfer rate will be eligible for 12 months from the date the Card is approved, after which any remaining balance will revert to the standard rate of interest at that time. The credit plan establishment fee attracts the standard rate of interest. Interest free days do not apply to Balance Transfer balances, and you may be charged interest on other purchases and fees if you do not pay your Closing Balance (including any outstanding balance transfers), in full by the due date each month. If you pay your balance transfer over time, an interest-free period will not apply to your purchases until the balance transfer is paid off. We reserve the right to withdraw this offer if your account is not in good standing or we become aware of any adverse credit information. Click here for full Balance Transfer terms and conditions. Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners. Screen images are simulated; actual appearance may vary. Samsung Pay is available on select Samsung devices. Google Pay and the Google Logo are trademarks of Google LLC. American Express Australia Limited (ABN 92 108 952 085). Australian Credit Licence No. 291313. ®Registered Trademark of American Express Company.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

The Qantas American Express Ultimate Card

Purchase Rate 20.74 % p.a.
Cash Advance Rate 0% p.a.
Interest Free Up to 44 days
Annual Fee $450.00
Balance Transfer Rate 0 % p.a. for first 12 months

Top Features

  • Receive 100,000 bonus Qantas Points when you apply online by 14 April 2020, are approved and spend $3,000 on your new Card within the first 3 months. T&Cs apply. New Card Members only.
  • Earn 1.25 Qantas Points per $1 spent on eligible purchases. See Reward Yourself section for more details
Show More Top Features

More Information

Rewards Program
Overseas ATM Availability
Insurance Cover for Purchases
Automatic Travel Insurance
Rewards Points per Dollar 1.25
Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* -
Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card*
SPEND FOR SYD/MEL RETURN* -
Lifetime of Points  
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines Qantas/Qantas Frequent Flyer Program
International Airlines Qantas plus other oneworld alliance partners
Conditions
Annual Fee $450.00
Minimum Repayment Greater of 2.5% or $30.00
Annual Fee First Year $450.00
Interest Charged From PurchaseDate
Rewards Joining Fee -
Late Payment Fee $30.00
Supplementary Card Fee $0.00
Duplicate Statement Fee $10.00
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $7.00
Overseas ATM Withdrawal Fee $2.50
Over Limit Fee $0.00
Overseas Emergency Card Replacement Fee $0.00
Terms & Conditions

Cards are offered, issued, and administered by American Express Australia Limited ABN 92 108 952 085, Australian Credit Licence No. 291313. American Express income and credit approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 10 February 2020 and are subject to change. Applicants must be 16 years of age or over, reside in Australia and earn a minimum income of $65,000 per annum to apply for the Qantas American Express Ultimate Card. An Australian citizen or permanent resident or hold a long term visa. Long term means 12 months or more and does not include a student visa. Bonus & Eligibility: 100,000 bonus offer is only available to new American Express Card Members who apply online for the Qantas American Express Ultimate Card by 14 April 2020, are approved and spend $3,000 on eligible purchases on their new Card in the first 3 months from the Card approval date. This is a limited time offer which may be withdrawn or changed at any time without notice. Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited, in the preceding 18 month period are ineligible for the bonus Qantas Points offer. Eligible purchases do not include cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. Qantas Points are earned in accordance with and subject to the Qantas American Express Card Points Terms and Conditions. Please allow 8 to 10 weeks after you have met the spend criteria for the 100,000 Qantas Points to be credited to your Qantas Frequent Flyer account. Qantas Frequent Flyer membership and the earning and redemption of points are subject to the Terms and Conditions of the Qantas Frequent Flyer program available at qantas.com/terms. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. Interest Rate. This interest rate does not apply for Cash Advances and associated fees. Interest Free Period. You will have up to 44 days interest free on purchases provided you pay the full closing balance of your monthly statement by the due date each month. There is no interest free period on balance transfers or if you carry forward a balance from the previous statement period. The total of interest free days will depend on when you make the purchase and when your statement is issued. Qantas Travel Credit. Qantas American Express Ultimate Card Members are eligible for one $450 Qantas Travel Credit per year. The Qantas Travel Credit can be redeemed for any eligible Qantas flight booked (i.e. a QF flight number on your ticket) and paid online through American Express Travel in a single booking. All travel is subject to Qantas Conditions of Carriage. For bookings less than $450 any unused portion of the Qantas Travel Credit will be forfeited. The Qantas Travel Credit can be used from the anniversary date and cannot be carried forward to any subsequent year. Your Qantas Travel Credit for that year will be forfeited if you cancel your booking, subject to Qantas Travel Credit, Terms and Conditions. American Express Lounge. Entry into The American Express Lounge is governed by the full Terms and Conditions available at amex.com.au/airportlounge. All entrants must adhere to the General Conditions of Entry. Qantas American Express Ultimate Card Members are entitled to a total of two (2) entries into the American Express Lounges in Australia per calendar year (1 January to 31 December). Complimentary access is available for the Card Member's children between the ages of 2-17. Card Members wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member's American Express Card. Qantas Club Lounge. Provided you are a Qantas Frequent Flyer and have registered your Qantas Frequent Flyer number with your Qantas American Express Ultimate Card, you are eligible to receive two Qantas Club Lounge Invitations each anniversary year of your Card Membership after purchasing on selected Qantas products and services using your Qantas American Express Ultimate Card. Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased directly from Qantas.com.au; Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. Subject to Qantas American Express Card Points Terms and Conditions. Within 2 weeks of purchasing selected Qantas products and services, you will receive an email from Qantas confirming the Qantas Club Lounge Invitations are available for use. Login to the Complimentary Invitations Portal using your Frequent Flyer details to access your invitation, link it with an eligible Qantas flight booking or find out more information. Qantas Club Lounge Invitations are valid for a single visit by one guest to a Qantas Club Lounge and must be used prior to their expiry. Invitations are subject to the Qantas Club Terms and Conditions and are not valid for Qantas International First Class Lounges, the Qantas Chairman’s Lounge, Qantas Domestic Business and or oneworld® alliance partner or associated lounges. Qantas Club Invitations cannot be carried forward to any subsequent year and must not be sold, they may only be transferred as allowed by Qantas. Invitations may be revoked or withheld if your Qantas American Express Ultimate Card account is not in good standing, if the selected Qantas products and services are refunded in full or if you have not complied with these Qantas Club Invitation Conditions, the Credit Card Terms and Conditions or the Qantas Club Lounge Access Terms and Conditions. Insurance. The Qantas American Express Ultimate Card insurance is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits) - please see the Terms and Conditions. You must use your Qantas American Express Ultimate Card to pay for your return trip in order to be eligible for the travel insurance or pay for eligible items in order to be covered under the insurance. The insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy held by American Express International, Inc. (ABN 15 000 618 208, AFSL No. 237996). Card Members are not a party to the group policy, but may be able to claim under it as third party beneficiaries. This webpage does not take into account your objectives or financial situation. You should read the full terms and conditions to decide if this insurance meets your needs. Fraud Protection Guarantee. Provided that you do not contribute to or unreasonably delay reporting any misuse of your Account and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges. Emergency Card Replacement. If your Credit Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 363 687. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you are not liable for any unauthorised charges. Qantas Points. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership and the earning and redemption of points are subject to the Terms and Conditions of the Qantas Frequent Flyer program available at qantas.com/frequentflyer. Qantas Points and bonus Qantas Points are earned in accordance with and subject to the Qantas American Express Cards Points Terms and Conditions, and exclusions apply. Eligible purchases do not include cash advances, interest, balance transfers, fees and charges for traveller's cheques and foreign currencies - these do not earn Qantas Points. For the full list of exclusions, please refer to the Qantas American Express Cards Points Terms and Conditions. Government transactions will earn 0.5 points per dollar spent with Merchants classified as; 'government', including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through payment aggregator may earn rates at the government earn rate. Additional Qantas Points. Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased directly from Qantas.com.au; Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. Subject to Qantas American Express Card Points Terms and Conditions. No Cap On Earn Rate. As long as your account remains current and in good standing. Additional Cards. Additional Card Members must be 16 years of age or over. Additional Card Members were previously referred to as “Supplementary Card Members”. The basic Card Member will be liable to pay for all transactions made by Additional Card Members. Classic Flight Rewards. Classic Flight Rewards are subject to capacity controls, availability is limited and some flights may not have any Classic Flight Reward seats available. Taxes, fees and carrier charges are payable in addition to the Qantas Points required. For more information, visit qantas.com/classicflightrewards. Qantas Wine. Qantas Wine Premium Membership and its benefits are subject to the Qantas Wine Terms and Conditions. To join or purchase from Qantas Wine, you must be a Qantas Frequent Flyer member aged 18 years or older and have an Australian delivery address. An annual Membership fee usually applies for Qantas Wine Premium Membership but this will be waived so long as you continue to hold your Qantas American Express Ultimate Card. Complimentary joining gift is not available with this offer. Qantas Wine Premium members will earn 3 Qantas Points per dollar on qantasepiqure.com.au. Liquor Act 2007: It is an offence to sell or supply to or to obtain liquor on behalf of a person under the age of 18 years. Licence Number: LIQP770016736. Qantas Wine Delivery. Delivery is subject to the Qantas Wine Terms and Conditions and available within Australia only. Balance Transfers. Offer not available for Card Members who currently hold or who have previously held any other Card product offered by American Express Australia Limited in the preceding 60 day period. Balances may not be transferred from another Credit Card issued by American Express Australia Limited. The promotional balance transfer rate will be eligible for 12 months from the date the Card is approved, after which any remaining balance will revert to the standard rate of interest at that time. The credit plan establishment fee attracts the standard rate of interest. Interest free days do not apply to Balance Transfer balances, and you may be charged interest on other purchases and fees if you do not pay your Closing Balance (including any outstanding balance transfers), in full by the due date each month. If you pay your balance transfer over time, an interest-free period will not apply to your purchases until the balance transfer is paid off. We reserve the right to withdraw this offer if your account is not in good standing or we become aware of any adverse credit information. Click here for full Balance Transfer terms and conditions. Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners. Screen images are simulated; actual appearance may vary. Samsung Pay is available on select Samsung devices. Google Pay and the Google Logo are trademarks of Google LLC. American Express Australia Limited (ABN 92 108 952 085). Australian Credit Licence No. 291313. ®Registered Trademark of American Express Company.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.