Apex Rewards Credit Card — Product Guide¶

Product Disclosure Statement
Effective Date: January 15, 2026
Product Issuer: Apex Bank Ltd (ABN 12 345 678 901, AFSL 234567)

The Apex Rewards Credit Card is designed for customers who want to maximise value on their everyday spending while enjoying premium benefits including travel insurance, rewards points, and flexible repayment options. This guide outlines the key features, fees, and conditions associated with the card.

Overview¶

The Apex Rewards Credit Card operates on the Visa Platinum network and is accepted at millions of merchants worldwide. Cardholders earn Apex Rewards Points on every eligible purchase, which can be redeemed for flights, gift cards, merchandise, or statement credits. The card also offers a generous introductory balance transfer rate for customers consolidating debt from other providers.

Credit limits are assessed individually based on your income and financial position, with limits available up to $50,000 for qualifying applicants.

Key Features¶

• Credit Limit: Up to $50,000, individually assessed based on income and creditworthiness.
• Rewards Program: Earn 1 Apex Rewards Point per $1 spent on eligible purchases. Bonus earn rates of 2 points per $1 apply to travel, dining, and select Apex partner merchants.
• 0% Balance Transfer: Transfer balances from other credit cards at 0% p.a. for the first 12 months (reverts to the cash advance rate of 21.99% p.a. thereafter). A balance transfer fee of 2% of the transferred amount applies.
• Complimentary Travel Insurance: Receive complimentary international travel insurance when you pay for your return airfare with your Apex Rewards Credit Card. Cover includes medical expenses up to $500,000, luggage and personal effects up to $10,000, and trip cancellation up to $15,000. Policy underwritten by Apex Insurance Partners Pty Ltd.
• Purchase Protection: Items purchased with the card are covered against theft or accidental damage for 90 days from the date of purchase, up to $5,000 per item and $50,000 per year.
• Contactless Payments: Compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay for fast, secure tap-and-go transactions.
• Interest-Free Days: Up to 55 interest-free days on purchases when the closing balance is paid in full by the due date each statement period.

Fees & Charges¶

Interest Rates¶

Interest is calculated daily on the outstanding balance and charged monthly. No interest is charged on purchases if the full closing balance is paid by the statement due date.

Eligibility¶

To apply for the Apex Rewards Credit Card, you must:

• Be at least 18 years of age.
• Be an Australian citizen or permanent resident.
• Have a minimum annual gross income of $35,000.
• Not be currently bankrupt or subject to a Part IX debt agreement.
• Hold or open an Apex Everyday Account or Apex Savings Account.

How to Apply¶

1. Compare Options: Review the Apex Rewards Credit Card against other Apex card products to ensure it suits your spending habits and lifestyle.
2. Apply Online: Complete the application form at apexfinancial.company — approval can be received in as little as 60 seconds for existing Apex customers.
3. Provide Identification: New customers will need to verify their identity with a valid passport or driver's licence and provide proof of income.
4. Receive Your Card: Once approved, your Apex Rewards Credit Card and PIN will be delivered to your registered address within 5-7 business days. Activate the card through the Apex Mobile App or by calling 1300 273 956.
5. Start Earning: Begin earning Apex Rewards Points on eligible purchases from the day you activate your card.

For full terms and conditions, refer to the Apex Rewards Credit Card Conditions of Use document available at any Apex branch or online.