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Australia’s largest customer-owned bank
Trusted by Australians for over 75 years
Cards that suit your lifestyle

Features you love and expect

Purchase Rate
Balance Transfer Rate
for 33 months1
First Year Annual Fee
($49 there after)2
Minimum Credit Limit
Get a low rate and 0% p.a. balance transfer for 33 months.1

Even more benefits

Additional cardholder
Add up to nine additional card holders at no extra cost.
Fraud protection
24-hour fraud monitoring and extra peace of mind with 3D secure provided by Mastercard® identity check.
24/7 emergency assistance
If your card is lost or stolen, you can call us anytime to block it.

Rates & Fees

Other fees may apply. Please refer to our Key Facts Sheet and Schedule of Fees. Credit Card Conditions of Use apply.


Purchase Rate
11.99% p.a.
Cash Interest Rate
21.74% p.a.
Interest-Free Period
up to 55 days3
Balance Transfer Rate
0% p.a. for 33 months1
Minimum Monthly Repayment
Whichever one of these is the greatest (or equal greatest):
  • $35; or
  • 3.00% of the closing balance; AND
  • your overlimit and/or overdue amount (if any).


Annual Fees
$49 ($0 for first year) 2
Cash Advance Fee
2.00% of the cash advance amount, with a minimum of $3.50 4
Late Payment Fees
$12.50 5
Foreign Exchange Fee
3.40% of the transaction amount 6
Additional Cardholder Fee
$0 (Up to 9 additional card holders)
How to apply
Ready to apply? You can apply online today.
The process
1. Apply online
Check that you’re eligible and what you need, then apply online.
2. Upload your documents
Once your application has progressed, we’ll need you to provide documents to verify your income.
3. Wait for our response
We’ll let you know the outcome of your application via email.
4. Get ready to shop
Simply activate your card when it arrives in 5-10 working days (after approval) and start spending!
Are you eligible?
  • Must be at least 18 years of age
  • Must be a permanent resident of Australia
  • Must be employed or receive regular income
What you need to apply online
  • An email address and a contact number
  • Existing Great Southern Bank customer number (if you already bank with us)
  • Australian driver's licence, Medicare or passport details
  • Details of your employment & income, expenses, assets and liabilities

Trusted by Australians for over 75 years

We've been helping our customers manage their finances since 1946. These days, more than half a million people trust us with their banking and insurance needs.

But don't just take our word for it. Here's what some of them have got to say.

“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.”
Ready to apply?
Get started today.
Apply now
Important Information

Rates current as at 29 March 2022 and subject to change.

Great Southern Bank, a business name of Credit Union Australia Ltd ABN 44 087 650 959, AFSL and Australian Credit Licence 238317. Lending criteria, limits, Credit Card Conditions of Use and fees apply.

1 This offer is available for approved applicants when they apply for a new Credit Card from 25 November 2021. This is a limited time only offer which may be withdrawn or changed at any time without notice. Offer not available to transfers from credit cards that you already have with us. Only one application per account accepted (consolidate up to 3 credit cards per application). The balance transfer application must be applied for within three months of the Disclosure Date in your Offer and Card Contract. Your total balance transfer may not exceed 80% of your credit limit. We may allow this to be exceeded at our discretion. The Promotional Interest Rate Period of 0% p.a. will apply for 33 months from the date the balance transfer application is processed. At the end of the Promotional Interest Rate Period, the Cash Advance Rate (currently 21.74%p.a. as at 29 March 2022, subject to change) will apply to any part of the balance transfer which remains unpaid. The 55 days interest free period on purchases will not apply while any balance transfer amount remains outstanding. This means that all purchases will be charged interest at the applicable annual percentage rate.

2 After the first year has expired, an Annual Fee of $49 for Low Rate cards will apply. Fees are current as at 29 March 2022 and are subject to change.

3 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.

4 A cash advance fee will be charged when a cash advance is obtained from your account.

5 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.

6 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).

Google Pay is a trademark of Google LLC. Payments using Google Pay are available for NFC enabled phones running on Android Lollipop 5.0 or above.

Apple Pay is a trademark 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

® Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.