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

Exclusive Gold Thoroughbred Card benefits include:

• CashBack Rewards - receive up to 1% cash back for the first $50,000 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.
• Automatic minimum $5,000 credit limit.
• Extensive Overseas Travel Insurance cover for you and your family with emergency and traveller benefits.
• Priority Thoroughbred Global Services - exclusive access to 24 hour premium travel advice and emergency assistance with additional Gold benefits, when travelling overseas.
• Travel Inconvenience Insurance - cover in New Zealand and overseas.

Plus all the benefits of a standard Thoroughbred Card:

• 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.

• 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.

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

Overseas Travel Insurance

As a Gold Thoroughbred cardholder, you and your family receive extensive travel insurance cover with emergency and traveller benefits each time you travel overseas. As long as you meet the eligibility criteria, your cover is provided automatically when at least half of your prepaid travel expenses are paid for with your Gold Thoroughbred Card. Cover includes:

• Overseas Medical Expenses
• Additional Expenses
• Luggage, Personal Effects, Travel Documents, Money and Credit Cards
• Missed Transport Connection
• Personal Injury
• Loss of Income
• Personal Liability
• Kidnap and Ransom
• Rental Vehicle Collision Damage and Theft Excess Cover
• Alternative Employee Expenses

Terms, conditions, exclusions (for example, age limitations) and eligibility criteria apply for Gold Card Overseas Travel Insurance. For a policy document (PDF 198KB)containing full details, please visit any branch of The National Bank, call the Chartis Call Centre on 0800 499 666, or you can view the policy document online (PDF 214KB). This policy is issued/insured by Chartis Insurance New Zealand Limited ("Chartis").

You'll need Adobe Acrobat Reader to read the PDF version. If you don't have it, don't worry - it's free. Just follow this link to the Adobe site to download a copy.

CashBack Rewards

CashBacks reward you for purchases you make with your Gold Thoroughbred credit card. You can receive up to 1% cash back for the first $50,000 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
• Spend $35,000 on purchases within 12 months with your Gold Thoroughbred Card and your CashBack Reward is 1% of $35,000 = $350

The more you spend (up to $50,000), 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 Gold 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 Inconvenience Insurance

Cover is provided for Gold Thoroughbred cardholders, their accompanying spouse and dependent children when any scheduled flight is paid for with your Gold Thoroughbred Card. Cover includes:

• Loss of luggage (up to $1,000)
• Flight delay (up to $400)

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 priority Thoroughbred Global Services with exclusive Gold benefits - for things like lost and stolen cards, passport assistance, emergency cash advances and legal or medical assistance. Plus Gold benefits include a travel insurance referral service, foreign currency advice and help with cash transfers and advances.
• Additional card option for spouse, partner or other family members.
• Gold 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 Gold 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 e-mail 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.