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Features to suit your lifestyle

Additional cardholder
No additional cost for additional cardholders. Add up to nine!
Pay with your phone
No wallet? No worries. Make easy and secure payments with your phone using Google Pay™ and Apple Pay.
24/7 emergency assistance
If your card is lost or stolen, you can call us anytime to block it and order a replacement.
Fraud protection
24-hour fraud monitoring and extra peace of mind with 3D secure provided by Mastercard® identity check.

Low Rate Credit Card

Enjoy a low rate on purchases and a low annual fee
  • 11.99 % p.a. purchase interest rate
  • Up to 55 days interest-free on purchases1
  • $0 annual fee in first year ($49 thereafter)2
  • Minimum credit limit $500
Helpful guide

Smart ways to use a credit card

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

Make your everyday easier with Tap & Pay functionality
No wallet? No worries. You can use your smartphone to tap and pay securely at the checkout.
Apple Pay
Google Pay
Manage your card using our secure mobile & online banking

Use our smartphone app or log in to online banking to check spend and balances, and make payments to your credit card.

About us

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.”

Tips for managing your finances

Here are some ways to ensure your money works for you.
Pay less interest on your home loan with an offset account and credit card

Combine your offset with credit card payments to maximise its benefit. Paying off daily expenses with a credit card will help retain money in offset, which in turn helps maintain a lower balance and less interest on your home loan.

Read more
Credit Cards vs Debit Cards: What’s The Difference?

While debit cards give you access to spend your own money, a credit card allows you to borrow money via your line of credit.

Read more
Tips to reduce your credit card debt

Credit Card debt can be crippling, both financially and emotionally. How can you get out of debt? How can you breathe easier with a credit card?

Read more

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!

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.