Holden MASTERCARD

[mnasteski01]

Hi

How many people have the holden Mastercard, is it worth it.

[vecommo]

Yep, I've got one, although I've only earnt about $600 of rebate so far. (had it about 4 months).
I use it for all my expenses then pay it off in one hit every month before the 45 day interest free period ends, so basically they are making no money off me apart from the annual fee.
I think come purchase time it will be great, $3000 is basically your on roads paid for you.

[Tonner]

Holden Mastercard? sorite, moity. you can even cut a deal on the intrest rate if approach them the right way.:diddy:but you must be willing to use it . pm if you need to know how.
got enough credits now for $3000 rebate.:cool:

.

[planetdavo]

Of course it's worth it, if you plan to buy a new Holden!!!!!
If you don't, no!
I got 2G off the Monaro, then 3G off a VZ SS for the G/F's brother, and there's another 6G more to come!

[shrapnel]

I was looking at it as well but realised I'm taking overseas holidays too often to pass on the Qantas FF points. Then again I tend to buy demo cars instead of new.

[laza007]

I was looking at it as well but realised I'm taking overseas holidays too often to pass on the Qantas FF points. Then again I tend to buy demo cars instead of new.

i thought they could be used on demo and new cars...just not 2nd hand.??

[shrapnel]

Taken from

http://www.holden.com.au//images/sc18_downloads/brochures/HoldenMasterCardProgramRules.pdf

" 8. ELIGIBLE HOLDEN VEHICLES
Holden Card Rebate may be applied towards the purchase
or lease of any new Holden or HSV vehicle or any other new
vehicle designated by Holden as eligible, which is sold at
retail and delivered and registered within Australia. Members
of Federations, Associations, Unions and affiliated bodies or
company employees who are eligible for a fleet allowance have
the choice of using only the fleet allowance or only the Holden
Card Rebate, whichever is of greater value.
The Farmer’s Federation or Primary Producers discount
which Primary Producers may receive is a fleet allowance.
A Primary Producer may therefore use either these discounts (if
eligible) OR the Holden Card Rebate, but not both, towards the
purchase or lease of an eligible Holden vehicle."

So the question is are demonstrators eligible across the board or is it up to the dealership?

[hsvLS1255]

Taken from

http://www.holden.com.au//images/sc18_downloads/brochures/HoldenMasterCardProgramRules.pdf

" 8. ELIGIBLE HOLDEN VEHICLES
Holden Card Rebate may be applied towards the purchase
or lease of any new Holden or HSV vehicle or any other new
vehicle designated by Holden as eligible, which is sold at
retail and delivered and registered within Australia. Members
of Federations, Associations, Unions and affiliated bodies or
company employees who are eligible for a fleet allowance have
the choice of using only the fleet allowance or only the Holden
Card Rebate, whichever is of greater value.
The Farmer’s Federation or Primary Producers discount
which Primary Producers may receive is a fleet allowance.
A Primary Producer may therefore use either these discounts (if
eligible) OR the Holden Card Rebate, but not both, towards the
purchase or lease of an eligible Holden vehicle."

So the question is are demonstrators eligible across the board or is it up to the dealership?

bought my Demo Z clubsport last year and got my $3k off the purchase price so am 99.9% sure it comes off demos aswell.

another little trick to build points quickly is to transfer balances from other cards. i opned a few new cards, did a cash advance on them then transfered the balance. sure i may have paid about $100 total in interest the few times i did it but in about 6 months got my max rebate allowable.

[Vulture]

Can you get the discount on your lowest negotiated price ie can you haggle down and then whip it out and expect a further $3k off?

[vecommo]

Can you get the discount on your lowest negotiated price ie can you haggle down and then whip it out and expect a further $3k off?

Yes, you can.

[Vulture]

Yes, you can.

Cool :goodtime:

[fekason]

So far, my GM Card has provided $3K off for 8 x Holdens. Had it since about 1994.

I can verify it covers demos as well as new cars.

Also has the best transfer rules of any credit card loyalty scheme.

At the end of last year, I was able to pass $3K rebates for two cars to friends, but that was only for a limited time.

I can also vouch that it does not affect your deal from the dealer, unless perhaps you are too keen to let them know that you have it.

My last car, a VYII V6 Manual, was bought in mid-2004. With GM Card Rebate, Holden Scramble Rebate, GST Rebate and doscount, ended up nearly $13K off.

For golfers, a $20 investment to play in the Holden Scramble offers an extra $500 off within a 12 month qualifying period (March to February I think).

If you intend to buy a new or demo Holden, there is no better loyalty system that the GM Card.

[SCiFiRE]

So far since 2003 ive got $3k off an astra turbo, $3k off my SV8, $3k my missus new astra turbo, $3k off a mates sv8 (in the limited offer timeframe), and ive got another $3k waiting there if i buy another car any time soon (dont think i will, thinking of ditching the card now actually, but only because i wont be buying cars as often when i start leasing through work)

Its a great deal if your going to buy a holden, and yeah, you can get it off after you've knocked the dealer down with discounts.

remember its actually a REBATE. normally you'd pay the $3000 and get it back in a cheque in the mail, but what the dealers do is they just charge you $3000 less for the car, but they organise the cheque to get sent to them.
They still get their money, and you get $3k. both teams are happy.

[Senator05]

It's OK if they allow you to have one. Applied for one and got rejected as I don't have enough declared income in previous group certs to justify "the risk". Never mind that Westpac were happy to offer me well over $300K mortgage recently on a house purchase...but went with someone else with better rates.

Apparently, they wont take into account the profit from my business (I'm the sole sharehodler), because its a personal credit card. The last time I looked, my mortgage was a personal debt as well, and all financiers were happy to see business P&L's etc to justify the risk.

I guess Amex, Citibank and Commonwealth have been fooled by me... but not Westpac. It's making it less likely to buy a Holden now. I hope that's what Holden are looking for from their card scheme. I've bought 6 cars in last 2 years, and was planning on Caprice or HSV in the next couple of months, but all marques are up for grabs now. Makes me feel extra good that Westpac didn't get the house finance.

[SCiFiRE]

cant believe that,
they gave me one on the second year of my apprentiship
my first real job not working for my parents, and %50 of my paycheck each week went to house repayments. every year since they have been asking if i want to up my limit

[Wonky]

Definitely, absolutely worth it IF you are planning on buying a new or demo Holden in the not too distant future, especially if you are able to pay it off each month before being hit with interest charges because the interest is higher than many.

We have a line of credit mortgage so just pay off the card in full every month against our mortgage i.e. never pay interest on what we put on it. It means that effectively every $100 I put on the Holden Mastercard I get $10 back as a rebate. For example, fill with petrol for $80, get $8 toward new Holden, pay car insurance $820 and get $82 rebate etc.. :)

My wife has normal fly buys on her card and the returns on the Holden card (the value of what you get back for everything you put on) are over 10 times as good as hers. Apparently Westpac also have another good card a guy at work was telling me - sounds like the rewards are about equivalent to the Holden card but for flights. Think it's called Altitude or something - must get my wife onto that instead of the pi$$y National one she's on now............

[mnasteski01]

cant believe that,
they gave me one on the second year of my apprentiship
my first real job not working for my parents, and %50 of my paycheck each week went to house repayments. every year since they have been asking if i want to up my limit

Hi

This is my second time apply for the Holden Mastercard, i currently have a ANZ Mastercard. The first time i appled they said they can't give it me because their a ressponsible leader mind u had two credit cards at the time with a total limit of 8,500. so i don't know what there talking about.

Hopefully i will no next week, because they won't tell me over phone for so reason. i hope i get it so i can start earning reward pionts towards a new VE SS-V.

[Marco]

My parents have had one since they first came out - must be 10 years or so now. They've used the discount on my TS Astra in 2001 and a ZC Vectra in 2003. Both times we did the best possible deal with the dealer and then got the extra amount off through the card. On the Astra that meant a total discount of $5k - $3k from the card and $2k by haggling - so that was a good result all round.

[AussieTone]

So is the advice don't let on you have the card until you have completed any negotiations

[Marco]

That's what we did. I don't think the dealers care because AFAIK it doesn't come out of their pocket anyway.

[SCiFiRE]

wow, if i didnt know better id think it was completely random who they give credit cards too lol.

Well, it doesnt really matter if you let on about the card or not. because the dealer still gets that $3000 in their pocket, they dont care either way. however some arsehole dealers may use it as leverage to get more out of you
"what? this is a good price! christ your getting $3000 of of that too remember"

but normally, wouldnt matter

[shrapnel]

however some arsehole dealers may use it as leverage to get more out of you
"what? this is a good price! christ your getting $3000 of of that too remember"

That's why you first negotiate the price then before you sign it you whip out the card.:thump:

[Vulture]

...however some arsehole dealers may use it as leverage to get more out of you "what? this is a good price! christ your getting $3000 of of that too remember"


I am positive they would use this ploy :moon: - best bet not to let on until you've negotiated the best price, as the others have said.

[planetdavo]

It's OK if they allow you to have one. Applied for one and got rejected as I don't have enough declared income in previous group certs to justify "the risk". Never mind that Westpac were happy to offer me well over $300K mortgage recently on a house purchase...but went with someone else with better rates.

Apparently, they wont take into account the profit from my business (I'm the sole sharehodler), because its a personal credit card. The last time I looked, my mortgage was a personal debt as well, and all financiers were happy to see business P&L's etc to justify the risk.

I guess Amex, Citibank and Commonwealth have been fooled by me... but not Westpac. It's making it less likely to buy a Holden now. I hope that's what Holden are looking for from their card scheme. I've bought 6 cars in last 2 years, and was planning on Caprice or HSV in the next couple of months, but all marques are up for grabs now. Makes me feel extra good that Westpac didn't get the house finance.

Maybe a 300K mortgage AND three different credit cards has put you at the safe limit for most banks now. That is a pretty hefty commitment.


I am positive they would use this ploy :moon: - best bet not to let on until you've negotiated the best price, as the others have said.

Holden's advertising clearly tells you to negotiate the best price, THEN bring up the Holden card. It's definitely no secret!

[GTS LSA]

Holden's advertising clearly tells you to negotiate the best price, THEN bring up the Holden card. It's definitely no secret!

Definately no scam................ I have one and pay it off monthly........ if you intend to use as a credit card for credit purposes ...you can get better rates all over the place........ if you intend to use it ... pay it off every month, therefore NO interest and use for discount ....why the hell wouldnt you.................

1/ Do the deal ....... 2/ get the discount .........3/ spend the $ you saved on mods....:yup: :yup: ..........4/ dont tell the wife....:1peek: :1peek:

[mustanger]

Definately no scam................ I have one and pay it off monthly........ if you intend to use as a credit card for credit purposes ...you can get better rates all over the place........ if you intend to use it ... pay it off every month, therefore NO interest and use for discount ....why the hell wouldnt you.................

1/ Do the deal ....... 2/ get the discount .........3/ spend the $ you saved on mods....:yup: :yup: ..........4/ dont tell the wife....:1peek: :1peek:

Somebody give that man a beer.:bravo:

[Vulture]

Holden's advertising clearly tells you to negotiate the best price, THEN bring up the Holden card. It's definitely no secret!

Surely you can imagine a negotiation taking place between a customer and the salesperson where the salesperson uses the discount as part of the reason not to come down further? It's the way of the world; I think advice not to bring it up until well down the track is the spot on.

[The Nurse]

Definately no scam................ I have one and pay it off monthly........ if you intend to use as a credit card for credit purposes ...you can get better rates all over the place........ if you intend to use it ... pay it off every month, therefore NO interest and use for discount ....why the hell wouldnt you.................

1/ Do the deal ....... 2/ get the discount .........3/ spend the $ you saved on mods....:yup: :yup: ..........4/ dont tell the wife....:1peek: :1peek:

Totally agree with that. I use mine to make most of my purchases and day to day living (used to even pay the rent with it) pay it off in full at the end of the month and your laughing. I've had a $3000 of both of the cars I've owned so far, and transferred $3000 rebate to my mate on his ute. If you don't pay interest your always ahead


Surely you can imagine a negotiation taking place between a customer and the salesperson where the salesperson uses the discount as part of the reason not to come down further? It's the way of the world; I think advice not to bring it up until well down the track is the spot on.

I've only ever told the dealer at the time of delivery. They just ring up Westpac, you verify your identity, and the rebate is yours. Holden rebates the dealer, so the delaer doesn't lose out

[Senator05]

Maybe a 300K mortgage AND three different credit cards has put you at the safe limit for most banks now. That is a pretty hefty commitment.


I understand that people get over the heads in debt, and the mortgage and cards would be a big commitment if there wasn't the funds to service them, but they completely ignored a 6-figure sum in savings, wouldn't take into account company profits, even though they do on other personal debt finance, and I was willing to cut up one of the other cards to get the Holden card.....

Seems they forgot the common sense clause , but then again these were the same people who told me over the phone that you can't allow an additional cardholder to use the rebate, which I later found on the T&C's brochure to be completely incorrect advice.

[fekason]

In general, I concur with the suggestion that prices be first negotiated without mention of the GM Card, and the card only be presented after a "done deal".

In other threads, I have commented on my two "local" dealers and the "chalk and cheese" difference between them.

When I first make an enquiry, one asks very early whether I have a GM Card or not. They are also very pushy and not competitive. All the things I don't like in a dealer.

The first car I bought off the second dealer in 1997, they did not ask about the GM Card, and gave a very competitive price without angst and heavy bartering. They obviously now know that I have a GM Card, but still offer a "good deal" up front. Thus they have earned the sales of the five new cars that my GM Card rebate has been used on ($3K each time) by giving a hassle-free good deal each time. They have also achieved another four referred sales from me. In general, they have been a minimum of $3K cheaper than the best that the other dealer has offered under duress, and stress free.

I have simply advised them that while they continue to provide the same service, I will continue to use and recommend them.

The other, and closer, dealer will only see me window shopping.

[mnasteski01]

Hi,

I think holden should get a divert bank to allie there credit card with, when WEstpac contiously turn down holden owners.

[Wonky]

Hi,

I think holden should get a divert bank to allie there credit card with, when WEstpac contiously turn down holden owners.
Divert? :confused:

[mnasteski01]

Divert? :confused:


Sorry i meant different....

[Wonky]

Sorry i meant different....
OK, unfortunately think it will only ever be Westpac....... :(

[mnasteski01]

Hi everyone,

I recently re-applied for a Holden mastercard with Westpac and today i recieved this email


Dear #######

We are pleased to inform you that your HOLDEN CARD application has been approved.

We will be sending you a letter over the next few days to let you know your card details, including which Westpac branch you can collect it from, and
what details you'll need to provide to collect your card.

Please remember to bring this letter and the documents indicated with you when you pick up your card.

If you don't receive the letter within five days, please contact us on 1300
651 089.

Kind regards,


Stephen Karpin
Head of Credit Cards

~~~

The funny thing is that I used the same information i used two months ago to apply. So why did they approve it now.........

Anyways i hope i get the card this week so i can start earning my $3,000 rebate, when i am on holiday in Darwin (leaving this Friday 12/01/07).

Cheers

MN

[hallyoz]

What is the annual fee on this card?

Cheers,

Andrew

[FC_Holden]

Thinking of changing to another card as they (holden) have recently changed the rules as to how much the actual rebate that can be claimed back is proportional to the cost of the car, IE less rebate on Barinas redeos etc then on Commodores Statesmans etc. To date have claimed back $12k on four cars

[fekason]

What is the annual fee on this card?

Cheers,

Andrew

Annual fee is $55 I think. No fee for the first year.

The $3K will be limited to locally manufactured cars from the start of Feb 07, with rebates for imported cars much less - only $500 for Barina.

[MickNugent]

The funny thing is that I used the same information i used two months ago to apply. So why did they approve it now.........


MN

Theyre hopeless, i had one 18 months ago but cancelled it of my own accord. A couple of months ago i applied for another one and they knocked me back. After a phonecall only recieved a rude response i left a message for their team leader to call me back who then apologised and approved the card.

Then was the battle of getting them to reinstate my previous 1500 rebate from the old card...

[kryten2001]

>> The $3K will be limited to locally manufactured cars from the start of Feb 07, with rebates for imported cars much less - only $500 for Barina.

Is that right?

Where did you see this?

[kermatt]

>> The $3K will be limited to locally manufactured cars from the start of Feb 07, with rebates for imported cars much less - only $500 for Barina.

Is that right?

Where did you see this?

A brochure came with my December statement explaining all the changes.

[kryten2001]

A brochure came with my December statement explaining all the changes.

Dammit!

Better buy that barina then.

[Wonky]

We just bought my wife an Astra for the same reason - $3,000 rebate is a hell of a lot better than only $750! :yup:

[kryten2001]

We just bought my wife an Astra for the same reason - $3,000 rebate is a hell of a lot better than only $750! :yup:

Merde!... I was gonna get one later on in the year for a daily runabout.......

Buggers. Not much use now.. Don't have any plans on selling the Monaro anytime soon!

[blackduck]

Holden website, follow Mastercard link, you'll find the rebates applicable from 1 Feb 07. Until then $3k applies to all, with the usual exceptions like 'fleet'.
So I've just picked an Astra for the daughter to take advantage of the $3k rebate. As some say, 'use it or lose it'

[My SS-V]

I have just ordered my Holden mastercard, (with in the last 5 min's) My SSV is supposably due to arrive at my dealer on or around the 24th of January.
I will contact my dealer tomorrow to find out if its to late to use a rebate on my purchase if its not, i will be doing what a previous member said, and doing a few quick cash advances to get the points up for the rebate. A $100 or $200 fee is plenty worth $3000 of my SSV.

Does that sound like a stupid thing to do??
And do you think i have enough time left or is it to late to use on my SSV???

Thanks

Greg

[vecommo]

I have just ordered my Holden mastercard, (with in the last 5 min's) My SSV is supposably due to arrive at my dealer on or around the 24th of January.
I will contact my dealer tomorrow to find out if its to late to use a rebate on my purchase if its not, i will be doing what a previous member said, and doing a few quick cash advances to get the points up for the rebate. A $100 or $200 fee is plenty worth $3000 of my SSV.

Does that sound like a stupid thing to do??
And do you think i have enough time left or is it to late to use on my SSV???

Thanks

Greg

AFAIK rebate points are only earnt on purchases, not cash advances, so unless you can go out and spend $30,000 in 15 days then I would say it's a little too late.:D

[SCiFiRE]

vecommo is correct,
read the fine print mate. Points only accumulate during the purchase of goods or services. cash advances or funds transfers do not gain points

[My SS-V]

awwww no fair. looks like i will just spend up ready for a VF.:yahoo: