Features to suit your lifestyle
Low Rate Credit Card
- 11.99 % p.a. purchase interest rate
- Up to 55 days interest-free on purchases1
- Annual fee of $49
- Minimum credit limit $500
Smart ways to use a credit card
Learn how a credit card works and other handy tips before you apply.
Use our smartphone app or log in to online banking to check spend and balances, and make payments to your credit card.
Why choose Great Southern Bank?
- We're customer-owned. That means no shareholders, so all our profits go into creating new and clever ways to help you manage your money.
- We're able to focus squarely on our mission to empower ordinary Australians to reach their financial goals, whatever they may be.
- We believe being owned by the people you help is a more transparent way of doing things and how all banks should work.
Low Rate Credit Card FAQs
For a more detailed credit card guide, visit our helpful guide Smart ways to use a credit card.
Yes, you can add up to nine additional cardholders at no extra cost!
Great Southern Bank, a business name of Credit Union Australia Limited ABN 44 087 650 959 Australian credit licence 238317 is the issuer of the Great Southern Bank Low Rate Credit Card. Lending criteria, fees, charges, Credit Card Conditions of Use apply.
Fees are current as at 29 March 2022 and are subject to change.
1 The interest-free period of up to 55 days applies to purchases when you pay your balance off in full by the payment due date. If you carry over a balance on your credit card from one month to the next, the 55 days interest free period does not apply and you are charged interest once you make a purchase. No interest free period is available on Cash Advances or Balance Transfers.
A cash advance fee will be charged when a cash advance is obtained from your account.
A late payment fee will be charged if the "Total amount due" figure shown on the statement is not paid within 25 days from your statement date.
A foreign exchange fee will be charged in Australian dollars for any purchases or cash advances made or processed in a foreign currency or when the merchant, or the merchant’s financial institution, is located overseas (both multi-currency transactions and single-currency transactions).
®Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.
Google, Google Pay, and the Google Pay Logo are trademarks of Google Inc. Payments using Google Pay are available for NFC enabled phones running on Android Lollipop 5.0 or above.
Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices. see https://support.apple.com/km207105.
To view the Target Market Determination for this product, please click here.
Your application ID is in the confirmation email we sent from creditcardapplication@gsb.com.au. For help, call us on 133 282.