Thoroughbred Card is your rewards, credit card and cash card, plus a phone and Online Banking card all in one.

• CashBack Rewards - receive up to 1% cash back for the first $30,000 you spend on purchases with your credit card during a 12 month period, and you only need to spend $2,000 per year to qualify.
• Balance transfer rate - transfer your balance from another bank’s credit card and pay just 2.99% p.a. interest for six months on the balance transferred. After six months the standard interest rate will apply.
• Access to your current account and savings accounts by ATM and EFTPOS.
• Up to 55 days interest-free credit.
• Thoroughbred Global Services - exclusive access to 24 hour premium travel advice and emergency assistance when travelling overseas.
• Travel Accident Insurance - cover in New Zealand and overseas.
• Your choice of Visa or MasterCard.
• Convenient payment options. You can choose to pay by direct debit, automatic payment, touchtone phone banking, Online Banking, by mail or at any National Bank branch. You can also set up a bill payment to your credit card through touchtone phone banking or Online Banking.
• Standard Thoroughbred or Gold Thoroughbred options with extra benefits.

Please note that currency conversion charges and some fees apply when you use your card overseas.

CashBack Rewards

CashBacks reward you for purchases you make with your Thoroughbred credit card. You can receive up to 1% cash back for the first $30,000 you spend on purchases with your card during a 12 month period.

To qualify for a CashBack Reward you only need to spend $2,000 on purchases over 12 months. CashBack Rewards have two earning rates, so your reward depends on your level of annual spend:

For example:

• Spend $5,000 on purchases within 12 months and your CashBack Reward is 0.5% of $5,000 = $25
• Spend $12,000 on purchases within 12 months and your CashBack Reward is 1% of $12,000 = $120

The more you spend (up to $30,000), the more cash back you receive. It's easy to do. Just use your card for everyday purchases, such as your grocery shopping.

It's easy to see how many CashBack Points ($1 spent = 1 CashBack Point) you have earned each month and year to date just by checking your monthly statement. It also tells you when you'll receive your reward.

Your reward will automatically be calculated and credited to your Thoroughbred credit card account, at the end of each 12 month period, on the anniversary of the date of your first purchase transaction.

Work out how much cash you could get back with our CashBack calculator .

Cash advances and the purchase of cash substitutes (e.g. travellers' cheques and gaming chips) will not qualify for a CashBack Reward. For full details see the Thoroughbred card, Visa and Freestyle Conditions of Use available through any branch of The National Bank.

Travel Accident Insurance

Cover is provided for Thoroughbred cardholders, their accompanying spouse and dependent children for travel accidents in New Zealand and overseas when at least 50% of the travel fare is paid for with a Thoroughbred Card.

Terms, conditions and exclusions apply. For a policy document, please call ACE Insurance on 0800 422 346.

Additional benefits

• Worldwide, 24 hour, toll-free access to Thoroughbred Global Services - for things like lost and stolen cards, passport assistance, emergency cash advances and legal or medical assistance.
• Additional card option for spouse, partner or other family members.
• Thoroughbred Card is accepted as a credit card in many countries and millions of locations worldwide.
• You can load your primary current or savings accounts onto your card to access them through thousands of ATMs around the world showing the PLUS symbol.
  Visa ATM Locator
  MasterCard ATM Locator
• CardCover repayment protection.

Please note that currency conversion charges and some fees apply when you use your card overseas.

You can apply for a Thoroughbred Card online and we will respond to your application in 60 seconds, or visit how to apply to view all our credit card application options.

Transfer your balance from another bank's credit card to a National Bank credit card.

If you'd like more information send us an email or call 0800 741 741.

Our lending criteria apply. Interest rates are current as at 10 August 2007 and are subject to change. Read our disclosure statement.