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Low Rate Credit Card

Find some financial breathing space

Purchase Rate
Cash Rate
Minimum Credit Limit
  • $0 annual fee in first year ($49 thereafter)4
  • 0% p.a. balance transfer for 33 months2
  • No Wallet? No worries. Make easy and secure payments with your phone using Google Pay™ and Apple Pay.
  • No additional cost for additional cardholders. Add up to nine!
  • 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 and order a replacement.
Important Information

1 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 Platinum and Low Rate Credit Card. Lending criteria, fees, charges, Credit Card Conditions of Use apply.

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 This is a limited time only offer which may be withdrawn or changed at any time without notice.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

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 After the first year has expired, an Annual Fee of $49 for Low Rate cards and $149 on Platinum cards will be applied each year. Fees are current as at 29 March 2022 and are subject to change.

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

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

Minimum monthly repayment is whichever one of these is the greatest (or equal greatest): $35; or 3.00% of the Closing Balance; or your Overlimit Amount (if any).

Cash Advance Fee - 2.00% of the Cash Advance amount, with minimum of $3.50. A Cash Advance Fee will be charged when a Cash Advance is obtained from your Account.

Late Payment Fees - $12.50. 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.

Foreign Exchange Fee - 3.40% of the Transaction amount. A Foreign Exchange Fee will be charged in Australian dollars for any Purchases or Cash Advances made or processed in a foreign currency or where the merchant, or the merchant’s financial institution, is located overseas (both Multi-Currency Transactions and Single Currency Transactions).