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Putting customers first for 75 years
Get clever with your finances
Multi award-winning products

Features you love and expect

Purchase Rate
11.99
%
p.a.
Additional card holder fee
$0
For up to nine cardholders.
First Year Annual Fee
$0
($49 there after)2
Minimum Credit Limit
$500
ABOUT US

Why choose Great Southern Bank?

For one thing, we're customer-owned. That means no shareholders, so all our profits go into creating new and clever ways to help you manage your money.

And although we've been putting ordinary Australians first for more than 75 years, we're only just getting started!

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.

Rates
Fees
Rates
Purchase Rate 11.99% p.a.
Cash Interest Rate 21.74% p.a.
Interest-Free Period up to 55 days3
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).
Fees
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!
Eligibility
Who can apply?
  • Permanent Australian residents aged 18 years or over
  • You must receive a regular income
  • Have had no bankruptcy or insolvency in the last 5 years
You will need:
  • Proof of identity (such as a drivers licence)
  • Employment and income details (such as a payslip)
  • Expenses and debt details
WHAT OUR CUSTOMERS SAY

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.

2 After the first year has expired, an Annual Fee of $49 for Low Rate Credit Card will be applied each year. 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 https://support.apple.com/km207105.

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