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 and the Great Southern Bank Platinum Credit Card. Lending criteria, fees, charges and terms and conditions including the Credit Card Conditions of Use and Great Southern Bank Cashback Terms & Conditions apply.
Fees are current as at 20 September 2025 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.
2 A cash advance fee will be charged when a cash advance is obtained from your account.
3 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.
4 Where applicable, 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.
*Cashback is only available with the Platinum Credit Card. Cashback on eligible transactions is accrued in accordance with the "Great Southern Bank Cashback Terms & Conditions". You will not earn cashback on interest charges, government charges, bank fees, gambling, cash advances, balance transfers or card account adjustments resulting from disputed transactions.
^Visa's Zero Liability policy covers Australian-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. Please consult your issuer for additional details.
^^Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708, 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 "Great Southern Bank Platinum Credit Cards – Complimentary Insurances Policy Information Booklet" 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 "Great Southern Bank Platinum Credit Cards – Complimentary Insurances Policy Information Booklet" which may be amended from time to time. Great Southern Bank does not guarantee this insurance.
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To view the Target Market Determination for this product, please click here.
