IMB Gold Rewards MasterCard
Credit Card Comparison » IMB Credit Cards » IMB Gold Rewards MasterCard
Annual Fee$99
per year
Promo Interest Rate-
Ongoing Interest Rate19.74% p.a.
Rewards, Points and Perks
- First Purchase Bonus:
- Frequent Flyer Points:
- Reward Points:
- Rewards Program:
- Sign Up Bonus:
- Spend for SYD/MEL return:
- -
- -
- $1 = 1 point
- Card Services Rewards
- -
- -
Other Fees, Rates and Requirements
- Additional Card Fee
- Balance Transfer Fee
- Cash Advance Rate
- Duplicate Statement Fee
- Interest Charged From
- Interest Free Period
- Late Payment Fee
- Maximum Credit Limit
- Minimum Age
- Minimum Credit Limit
- Minimum Income
- Minimum Repayment
- Over Limit Fee
- Overseas ATM Balance Fee
- Overseas ATM Withdrawl Fee
- Overseas Emergency Card Replacement Fee
- Transaction Verification Fee
- -
- -
- 20.49% p.a.
- -
- -
- Up to 55 days
- -
- -
- 18 years old
- -
- $35,000
- -
- -
- -
- -
- -
- -
Insurance
Bank Address: None- Extended Warranty Insurance
- International Travel Insurance
- Interstate Flight Inconvenience Insurance
- Personal Item Theft Cover
- Price Protection Insurance
- Purchase Protection Insurance
- Transport Accident Insurance
- -
- Yes
- -
- -
- -
- -
- -
- Earn 1 Reward Point for every $1 spent on your card
- Superior Rewards Program at no additional cost
- Generous Credit Limits (Up to $25,000)
- Low Annual Fee
- Complimentary International Travel Insurance on Gold
- Complimentary Purchase Cover
How does the IMB Gold Rewards MasterCard compare for rates and fees against an average credit card? Based on the data from our website this credit card comparison scorecard shows:
| Purchase Rate | Cash Adv Rate | Annual Fee | Bal. Transfer Rate | Bal. Transfer Rate Period | ||
|---|---|---|---|---|---|---|
| IMB Gold Rewards MasterCard | 19.74% | 20.49% | $99 | 2.90% | 6 months |
| The Average Credit Card | 17.15% | 21.03% | $96 | 2.86% | 7 months | |
With an IMB Rewards MasterCard you’ll enjoy the benefits of a gold card for a low annual fee, an excellent rewards program, complimentary international travel insurance, purchase cover and more.
Pros
The IMB Gold Rewards MasterCard has plenty to offer. The rewards program is noteworthy with rewards ($1 = 1 point) when you buy everyday purchases and fantastic redemption options you might actually use.
Points can be redeemed for:
- Travel through the Take Flight Program: fly with any airline at any time, but also book into a hotel, hire a car, take a cruise, etc.
- Shopping vouchers: treat yourself at a range of top national stores including Myer and David Jones among others
- Electronics and gadgets: redeem points for a new laptop or kitchen appliances
- Cash: a very popular way to redeem points
With this card you also get free purchase cover and overseas travel insurance, which could save you lots of hassle and headaches when things go wrong. Additionally, the card offers a generous credit limit of up to $25,000, which can be useful if you’re making large purchases. Just don’t get a high credit limit if you’re prone to overspending! The 2.90% p.a. for 6 months offer is also quite competitive.
Cons
Interest rates on this card are not the lowest you can possibly, but on par with others like it with similar rewards.
Conclusion
If you travel and spend enough to make the rewards program worth your while, you’ll enjoy the benefits this card has to offer. Just always read the fine print and do your maths to make sure the card isn’t costing you more than you’re getting out of it! A great gold level card at a reasonable price.
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