Platinum Credit Card
Premium perks. Surprisingly simple.
Generous cashback
Collect cash on every eligible purchase* with no caps.
- 0.50% cashback on eligible purchases*
- Cashback paid automatically to your account monthly
- No wasted rewards points
Collect memories not points
Forget points. Generous cashback on your purchases is the fastest way to fly to your next destination.
For more information, see Complimentary Insurances Policy Information Booklet.
Rates and fees
- Interest-free period: Up to 55 days1
- Minimum credit limit: $6,000
For further information and details, see Key Facts Sheet,
Schedule of Fees, Credit Card Conditions of Use
and Cashback Terms & Conditions
| Purchase rate | 19.99% p.a. |
| Cash interest rate | 21.74% p.a.2 |
| Monthly fee | $12 |
| Cash Advance Fee | 2.00% (min $3.50)2 |
| Late payment fee | $12.503 |
| Additional cardholder fee | $0 |
Other fees may apply.
How to apply
Check your eligibility and the documents you’ll need to apply.
Your eligibility:
- Aged 18 years or over
- An Australian citizen or permanent resident
- Not currently bankrupt or insolvent
You’ll need to provide:
- Proof of identity (E.g. Driving licence, passport or Medicare card)
- Employment and income details
- Expenses and debt details
Credit cards FAQs
Find the answers to our frequently asked questions here.
Yes. You can add up to three additional cardholders at no extra cost.
Earn 0.50% on every eligible dollar spent.*
No caps. No points to accrue. No rewards portal to navigate. Just generous cashback on everyday purchases paid automatically to your account each month.
The Great Southern Bank Platinum Credit Card provides complimentary travel insurance for eligible customers^^
Please refer to the Complimentary Insurances Policy Information Booklet for more information.
To view rates and fee structure see our comparison page.
The Great Southern Bank Low Rate and Platinum Credit Cards offer up to 55 days interest-free1.
A cash advance limit of 30% of the total card limit applies to Great Southern Bank Credit Cards.
Please refer to the Credit Card Conditions of Use document for more information.
Yes, Great Southern Bank Credit Cards will work worldwide, wherever Visa is accepted.
- Activate credit card
- Temporary card lock
- Set pin
- In-store card purchases
- Online purchases
- Mobile Tap & Pay
- ATM cash withdrawals
Packed with security features
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.
5 International cash advance fees apply.
*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 eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits 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.
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 creditcardapplication@gsb.com.au. For help, call us on 133 282.