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 This is a limited time only offer which may be withdrawn or changed at any time without notice.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).
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