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Purchase Rate
Additional card holder fee
For up to nine cardholders.
Minimum Credit Limit

Great Southern Bank`s Credit Card Features & Benefits

Earn one Platinum Rewards Point for every $1 you spend2 on your card.

Platinum Rewards gives you access to Mastercard Priceless® Cities exclusive experiences and special offers.
Platinum rewards
Earn one Platinum Rewards Point for every $1 you spend on purchases.2 Plus access to Mastercard Priceless® Cities exclusive experiences and special offers.
Pay with your phone
No wallet? No worries. Make easy and secure payments with your phone using Google Pay™ and Apple Pay.
Up to 55 days interest free on purchases
The interest-free period applies to purchases when you pay your balance off in full by the payment due date.1 
Purchase protection
Complimentary 90-day cover for loss, theft, or accidental damage on a wide range of items purchased with your card.3
24/7 emergency assistance
If your card is lost or stolen, you can call us anytime to block it and order a replacement.
Travel insurance
Complimentary international travel insurance and transit accident insurance (T&Cs, limits and exclusions apply).3

Earn rewards points every time you make a purchase

Redeem points for gift cards from JB Hi-Fi, Coles, Woolworths, Myer, David Jones, Bunnings and more…
$1 = One Platinum Rewards Point

Earn one Platinum Rewards Point for every $1 you spend on purchases.2

Choose from a wide range of rewards

Including gift cards, merchandise, travel, flights, and more.

Redeem your points

When you're ready to redeem, you can use your points or a combination of points and cash.

Rates & fees

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

Check out the Platinum Credit Card - Terms & Conditions for Other Benefits.


Purchase Rate
19.99% p.a.
Cash Interest Rate
21.74% p.a.
Interest-Free Period
up 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 Fee
Cash Advance Fee
2.00% of the cash advance amount, with a minimum of $3.50 4
Late Payment Fees
$12.50 5
Foreign Exchange Fee
3.40% of the transaction amount 6
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.”

Platinum Credit Card FAQs

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

What’s the difference between the Low Rate Credit Card and the Platinum Credit Card?

The Low Rate Credit Card has been designed for customers who want a basic, no frills line of credit with lower interest and fees.

The Platinum Credit Card has been designed for customers who want to use their line of credit for everyday transactions, be rewarded for regular use, and access complimentary insurances.

How can I earn Platinum Rewards points?

Earn rewards points every time you make a purchase. You will earn one Platinum Rewards Point for every $1 you spend on purchases.2

How do I view and redeem my Platinum Rewards points on my Platinum credit card?

Your Platinum Rewards points are available through Great Southern Bank Online Banking. Simply log on to Online Banking, click 'Actions' on your Credit Card, and choose 'View rewards'. You can redeem from a wide range of rewards, including gift cards, merchandise, travel, flights, and more.

Can I have additional cardholders?

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

What is covered by the complimentary travel insurance?

Platinum Credit Card cardholders are eligible for the following covers:

  • International Travel Insurance
  • Transit Accident Insurance
  • Purchase Protection Insurance.

(T&Cs, limits and exclusions apply).3


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 - 8:00pm (AEDT)
Sat: 8:00am - 4:00pm (AEDT)

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 Platinum and 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 Rewards are only available with the Platinum Credit Card. Platinum Rewards Points accrue in accordance with the "Platinum Credit Card – Terms & Conditions for Other Benefits ". Points relating to the use of the card will be awarded for credit purchases only, capped at 100,000 points per year. You will not earn Rewards Points on interest charges; government charges; bank fees; gambling, cash advances, balance transfers and card account adjustments resulting from disputed transactions.

3 Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 of Level 16, 310 Ann Street, Brisbane, Queensland 4000 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 of 2 Market Street, Sydney NSW 2000 has issued an insurance group policy to Great Southern Bank, a business name of Credit Union Australia Limited ABN 44 087 650 959 and Australian credit license 238317 which allows eligible Great Southern Bank account holders and cardholders to claim under it as third-party beneficiaries. Access to the benefit of cover under the "Platinum Credit Card - Terms & Conditions for Other Benefits" is provided to eligible Great Southern Bank account and cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the "Platinum Credit Card - Terms & Conditions for Other Benefits" which may be amended from time to time. Great Southern Bank does not guarantee this insurance.

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

5 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.

6 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.