p.a.
Great Southern Bank`s Credit Card Features & Benefits
Platinum Rewards gives you access to Mastercard Priceless® Cities exclusive experiences and special offers.







Earn rewards points every time you make a purchase
Earn one Platinum Rewards Point for every $1 you spend on purchases.2
Including gift cards, merchandise, travel, flights, and more.
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.
Rates
- $35; or
- 3.00% of the closing balance; AND
- your overlimit and/or overdue amount (if any).
Fees
- 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
- Proof of identity (such as a drivers licence)
- Employment and income details (such as a payslip)
- Expenses and debt details
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.
This product may not be right for you, if you:
- Prioritise low fees and low rates over other features and benefits (e.g. rewards, complimentary insurance).
- May not pay off the full outstanding balance at the end of each month.
Our Low Rate credit card may be more suited to you.
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.
Platinum Credit Card FAQs
For a more detailed credit card guide, visit our helpful guide Smart ways to use a 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.
Earn rewards points every time you make a purchase. You will earn one Platinum Rewards Point for every $1 you spend on purchases.2
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.
Yes, you can add up to nine additional cardholders at no extra cost!
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.
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 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 [email protected]. For help, call us on 133 282.