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Purchase Rate
Additional card holder fee
For up to nine cardholders.
First Year Annual Fee
($49 there after)2
Minimum Credit Limit

Great Southern Bank`s Credit Card Features & Benefits

Keep more in your pocket with no annual fee in the first year.
Pay with your phone
No wallet? No worries. Make easy and secure payments with your phone using Google Pay™ and Apple Pay.
Fraud protection
24-hour fraud monitoring and extra peace of mind with 3D secure provided by Mastercard® identity check.
24/7 emergency assistance
If your card is lost or stolen, you can call us anytime to block it.

Rates & Fees

Other fees may apply. Please refer to our Key Facts Sheet and Schedule of Fees. Credit Card Conditions of Use apply.

Purchase Rate11.99% p.a.
Cash Interest Rate21.74% p.a.
Interest-Free Periodup to 55 days1
Minimum Monthly Repayment Whichever one of these is the greatest (or equal greatest):
  • $35; or
  • 3.00% of the closing balance; AND
  • your overlimit and/or overdue amount (if any).
Annual Fees $49 ($0 for first year) 2
Cash Advance Fee 2.00% of the cash advance amount, with a minimum of $3.50 3
Late Payment Fees $12.50 4
Foreign Exchange Fee 3.40% of the transaction amount 5
Additional Cardholder Fee $0 (Up to 9 additional card holders)
How to apply
Ready to apply? You can apply online today.
The process
1. Apply online
Check that you’re eligible and what you need, then apply online.
2. Upload your documents
Once your application has progressed, we’ll need you to provide documents to verify your income.
3. Wait for our response
We’ll let you know the outcome of your application via email.
4. Get ready to shop
Simply activate your card when it arrives in 5-10 working days (after approval) and start spending!
Who can apply?
  • Permanent Australian residents aged 18 years or over
  • You must receive a regular income
  • Have had no bankruptcy or insolvency in the last 5 years
You will need:
  • Proof of identity (such as a drivers licence)
  • Employment and income details (such as a payslip)
  • Expenses and debt details

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.
“Transfers to my credit card through online banking show on the credit account instantly. It’s so good!”
“It is good to know I have some spare money up my sleeve that won’t cost me TOO much to repay!”
“Meets all my credit card needs and marries well with my other banking services provided by Great Southern Bank.”

Low Rate Credit Card FAQs

For a more detailed credit card guide, visit our helpful guide Smart ways to use a credit card.

Can I have additional cardholders?

Yes, you can add up to nine additional cardholders at no extra cost!


Smart ways to use a credit card

Learn how a credit card works and other handy tips before you apply.

Get in touch
We're here to help.
Call 133 282

Mon - Fri: 8:00am - 7:00pm (AEST)
Sat: 8:00am - 4:00pm (AEST)

Find a branch
Speak to one of our friendly staff at a branch near you.
Connect online
Chat to us or browse help topics and FAQs.
Important Information

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.

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.

2  After the first year has expired, an Annual Fee of $49 for Low Rate Credit Card will be applied each year. Fees are current as at 29 March 2022 and are subject to change.

3  A cash advance fee will be charged when a cash advance is obtained from your account.

4  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.

5  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

To view the Target Market Determination for this product, please click here.