Credit Cards

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:

• www.greatsouthernbank.com.au/credit-cards
• Any of our branches
• Online banking
• Mobile banking app

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

Visa’s Click to Pay consumer portal.

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.

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-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.

From 1 October 2026, businesses in Australia will generally no longer be able to add a surcharge when customers pay using an EFTPOS, Mastercard or Visa debit, credit or prepaid card. American Express has also announced it will remove surcharging from the same date.

The change follows an RBA review which found that card surcharging was no longer working as intended. Surcharges have become increasingly difficult for consumers to avoid, can be complex or unclear, and may not always be disclosed before payment.

The change is intended to make pricing simpler and more transparent, so the advertised price is generally the price you pay when using these cards.

The changes take effect on 1 October 2026 and also apply retrospectively to outstanding invoices issued before 1 October 2026.

The changes cover EFTPOS, Mastercard and Visa, including debit, credit and prepaid cards. They are expected to apply broadly across personal, commercial and corporate cards. American Express has also announced that it will remove surcharging from 1 October 2026.

Generally, yes. If an eligible card is stored in a mobile or digital wallet and used to make a card payment to an Australian business, the no-surcharge rules are expected to apply in the same way as using the physical card, subject to the relevant card network rules.

No. The change specifically relates to fees charged because you choose to pay by card. Other charges, such as genuine booking or service fees that apply regardless of how you pay, and hospitality weekend or public holiday surcharges, may still apply. Businesses must continue to comply with Australian Consumer Law requirements around clear and accurate pricing.

Not if the fee is effectively being charged because you chose a particular card payment method. Under current ACCC guidance, a business cannot avoid payment surcharge requirements simply by giving the surcharge another name. A genuine service or booking fee that applies irrespective of the payment method is different.

Yes. Businesses can generally incorporate the cost of accepting card payments into the prices of the goods and services they sell. The ACCC notes that businesses are generally free to set their prices, but they must not mislead consumers about their pricing or the reasons for price increases. The RBA expects that, where businesses currently surcharge, consumers may pay similar amounts overall, but through the advertised price rather than an additional card surcharge at checkout.

First, check with the business and ask what the charge relates to. If it appears to be a surcharge specifically for paying by card, ask the business to remove or refund it. From 1 October, the no-surcharge requirements will primarily operate through card-network rules and merchant arrangements. Concerns about misleading pricing can also be raised with the ACCC or the relevant state or territory consumer protection agency.

No. The Australian no-surcharge rules apply to businesses operating in Australia. If you use your card with an overseas business, that transaction is subject to the rules and laws applying in that country. However, if an overseas-issued card is used to pay an Australian business, the Australian no-surcharge arrangements are expected to apply.

Potentially. The card-network rules are expected to apply unless surcharging is expressly permitted under applicable law or regulation.

One example is taxi payment surcharges, which are regulated by state and territory governments and may continue to apply where permitted under the relevant local rules. This means the treatment of taxi surcharges may differ depending on where you are travelling in Australia.

Consumers should also distinguish a card surcharge from other legitimate charges, such as weekend, public holiday, booking or service fees, which are separate from the card surcharging changes.

Yes. Businesses can continue to offer discounts for particular payment methods, such as cash or PayID. Any discount should be clearly disclosed before you choose how to pay. The ACCC also requires the full, non-discounted price to be displayed appropriately, rather than presenting only the discounted price.

Find out more

Keep the link-outs to a small number of authoritative sources rather than directing customers to individual scheme websites:

• Card Surcharge FAQs for Consumers | CardSurcharge.com.au, the consumer-focused industry FAQ coordinated by Australian Payments Network.
• RBA | Removal of Payment Surcharges FAQs, the best source for the regulatory change and scope.
• ACCC | Card Surcharges, the best source for consumer rights, pricing and what to do if a customer believes they have been incorrectly charged.