This is a subsidiary of Citigroup - supplies mastercard product to credit union customers. The product is great value, except if you don't pay on time!! If you sign up to the Qantas Rewards Program you get 1 point for every $ spent - with no restrictions like other programs have. So if you're smart and you pay in full every month and put through all your expenses you can earn heaps of points. The customer service centre is offshore and the staff do have a bit of trouble understanding what you're trying to say to them, but overall a good product.