The Woolworths Everyday Money credit card is issued by HSBC Bank Australia Limited ABN 48 006 434 162 "HSBC". ACL 232595. HSBC is the credit provider and a registered person under the National Consumer Credit Protection Act 2009. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. HSBC lending criteria applies. Fees, charges and interest rates apply and are current as at 1 October 2011 and are subject to change. Terms and conditions apply. 1. No Money Back reward points are earned on business expenses, interest free promotions, balance transfers and cash transactions.  2. The Everyday Money Shopping Card is redeemable at participating stores only and expires 90 days after the date of issue. Participating stores may change from time to time. The Shopping Card is currently not accepted at some designated Dick Smith stores and CALTEX WOOLWORTHS/SAFEWAY co-branded fuel outlets. The Shopping Card cannot be used at DVD vending machines and mobile EFTPOS terminals. For a full list of participating stores where you can use your Shopping Card, details of the points you'll need to obtain one and to find out its value visit everydaymoneyshoppingcard.com.au. Minimum of 4,000 points is required to receive a $20 Shopping Card. 3. The bonus $50 Shopping Card is only available to new approved primary cardholders who apply between 17 October 2011 and 29 February 2012, who activate and make a purchase on their credit card before 30 April 2012. Purchases exclude Dick Smith interest free promotions. Your account must be current and not in arrears in order to receive the bonus Shopping Card. Allow up to 8 weeks from the date of your purchase for receipt of your Shopping Card. 4. No reward points are earned on business expenses, interest free promotions, balance transfers and cash transactions. 2 points for every dollar excludes purchases at Woolworths Online, BIG W Photos, BIG W Movie Rentals, DVD Vending Machines, mobile EFTPOS terminals and Dick Smith resellers. For a list of resellers visit everydaymoney.com.au. 5. epump is only available at participating CALTEX WOOLWORTHS/SAFEWAY co-branded fuel outlets and is not available in Tasmania. Some fuel outlets may not offer epump facilities on all fuel types. 6. Depending on when you make your purchases, when your statement is issued, and if you pay off the total outstanding balance on your next statement of account on or before the due date. There are no interest free days on cash advances and balance transfers. You will not gain the benefit of the interest free period unless you pay the full balance (including any Balance Transfer or promotional purchases) by the due date.