For a more detailed credit card guide, visit our Smart ways to use a credit card.
General
A credit card allows you to borrow money via what’s officially called a ‘revolving line of credit’. In simple terms, it is often called a ‘credit limit’.
You can use a credit card to make purchases in retail stores, online and over the phone, up to the value of your approved credit limit. The money can be paid back in small amounts or in one go before the end of your billing cycle. The choice is yours.
It’s important to keep in mind that an interest rate is applied after the interest-free period to the money that you owe and may vary depending on the type of transactions made.
Great Southern Bank Credit Cards can be applied for through the following channels:
Yes. You can add up to three additional cardholders at no extra cost.
The Great Southern Bank Platinum Credit Card provides complimentary travel insurance for eligible customers.^^
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
This usually happens if the app permissions need updating. Thankfully, this is a very straight forward process.
- Tap ‘Settings’ on your device and then select ‘Apps’
- Search for ‘Google Play services’ and tap the ‘Permissions’ button
- Ensure that your phone permissions are set to ‘allowed’
If this doesn’t fix the problem, please contact us on 133 282.
Click to Pay is Visa’s express online checkout. It lets you pay online with your eligible Visa card without entering your card details each time. Click to Pay is available at participating online merchants where the Click to Pay icon is shown. More information is available on Visa's website.
Eligible Great Southern Bank Visa cards will be automatically enrolled in Visa’s Click to Pay in the coming months. After enrolment, Visa will use your card details to create or link your Click to Pay profile so you can use the service at participating online merchants.
To manage, update or delete your Click to Pay profile or saved cards, visit
When you’re enrolled with Click to Pay, you can shop online at participating businesses without needing to enter your card details. Here’s how:
- Look for the Click to Pay icon during checkout
- Enter your email address
- Confirm your identity (via OTP)
- Choose your card
- Complete your purchase
You may need to verify your identity before completing some transactions.
Eligible Visa cards are automatically enrolled in Click to Pay as part of Visa’s standard features.
Active Great Southern Bank Visa Debit and Credit cards may be enrolled in Click to Pay. Your cards may not be eligible if we don’t have a valid email address and/or mobile phone number. If your card isn’t eligible, you won’t be able to use it with Click to Pay.
You can use Click to Pay at participating online businesses where the Click to Pay icon is shown. Not all businesses offer Click to Pay.
No. Even if your card is enrolled, you don’t have to use Click to Pay. You can continue to pay online by entering your card details manually or by using another payment method offered by the business.
For security purposes, Visa may send a one-time code to you when you log in to our consumer portal or when using Click to Pay during checkout. For easy access on your device, the code may be sent to both your phone and email.
Once we’ve completed enrolments which start on 29 September 2026, you’ll be able to opt-out by calling us on 133 282. If you have previously registered with Visa, then removed your card, it may be re-enrolled.
You don’t need to opt out if you don’t want to use Click to Pay. Just choose another way to pay. Of course, if you do opt-out, you won’t be able to use that card to checkout using Click to Pay.
To ensure your Great Southern Bank card/s work with Click to Pay it’s important to keep your email address, mobile phone number and postal address up-to-date. Your information will be updated through the current data sharing processes with Visa as outlined in the Terms and Conditions.
Rate and fees
There are no foreign currency fees on our Great Southern Bank Platinum Credit Card.
Please refer to our Schedule of Fees for foreign currency fees applicable to other products.
Fees and Charges should be viewed in line with the Schedule of Fees, Key Facts Sheet and Credit Card Conditions of Use documents
Low Rate Credit Card
- $5 per month
- Purchase Rate: 11.99% p.a.
- Cash Interest Rate: 21.74% p.a.2
- Late payment fee $12.503
- Foreign currency conversion fee 3.40%4
- Cash advance fee 2.00% (min $3.50)2
Platinum Credit Card
- $12 per month
- Purchase Rate: 19.99% p.a.
- Cash Interest Rate: 21.74% p.a.2
- Late payment fee $12.503
- Cash advance fee 2.00% (min $3.50)2
The Great Southern Bank Low Rate and Platinum Credit Cards offer up to 55 days interest-free.1
A cash advance limit of 30% of the total card limit applies on Great Southern Bank Credit Cards.
Please refer to the Credit Card Conditions of Use document for more 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 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 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.