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CashBack Visa
CashBack MasterCard
CashBack Platinum
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Platinum Card CashBack


The credit card that produces cash bonuses

This credit card gives income cash rewards with Platinum benefits

Want to earn cash prizes without limits

Traveling abroad and would have the privilege of Overseas Travel Insurance^

You use the credit card for all spending constant


Features

Earn 1 point for every $ 1 spent CashBack for goods.

The CashBack reward is calculated with two chairs gain in place - 0.5% for Annual Spend $ 5,000- $ 9.999; 1% for Annual Spending $ 10,000 +

Spend a minimum of $ 5,000 a year should be eligible for a reward CashBack.

The CashBack year runs from the date of the initial purchase for a period of 12 months and your cash reward will be transferred automatically to your credit card account.

Get Overseas Travel Insurance when you pay for at least half of your travel expenses prepaid with your card

Platinum features:

As a % commission on offers to buy foreign currency from any branch GIB in Cook Island

Platinum Concierge Service

Privileges Visa Platinum MasterCard privileges and entertainment.

Standard credit card benefits:

Flexible payment options - pay via online or phone banking 24/7, set an automatic payment or direct debit, pay at any ATM or visit GIB in subsidiary

Adjust regular payments (like your electric bill or gym membership athletics) from your credit card GIB

Pay for purchases under NZ $ 80 applying GIB Contactless. Just shake the paper on any terminal contactless EFTPOS and start. As the Cardis ever with you, is the fast and secure way to pay for purchases not great.

You can pass the balance by credit card from another bank to a credit card GIB that could help you save on interest.


Fees and rates

Interest rate on purchases 19.95% p.a.
Cash advances interest rates 22.45% p.a.
Interest rate on balance transfers 1% p.a. for 12 months
Interest free days on purchases Up to 55 days
Annual fee $125 p.a. (charged in full once a year)
Joint or additional card $30 p.a.(charged in full once a year)



Awards

Cashbacks win for the goods that you do with your
Charter GIB CashBack Platinum, automatically sending cash bonuses goves on behalf of the credit card once a year on the anniversary date of the card.

CashBack Rewards have two rates of gain, so the bonus depends on your level of annual expenses.


Annual spend Reward rate
$5,000 - $9,999 0.5%
$10,000 - $30,000 1.0%


For example:
Spend $ 5,000 goods during 12 months and your reward CashBack is 0.5% of $ 5,000 = $ 25

Spend $ 60,000 for goods within 12 months and your reward is 1% cashback of $ 60,000 = $ 600

Cash advances and purchase of cash substitutes (eg traveler's checks), the operations of gambling and the costs related to business purchases will not qualify as eligible for a bonus CashBack.

For all the details look through the paper guide CashBack GIB and GIB Terms available from any branch GIB.