Great Southern Bank
Great Southern Bank

Great Southern Bank Low Rate Credit Card

Purchase Rate
11.99% p.a.
Cash Advance Rate
21.74% p.a.
Interest Free
Up to 55 days
Annual Fee
Balance Transfer Rate
0% p.a. for first 33 months
  • 11.99%p.a. on purchases - Enjoy an amazingly low 11.99% on purchases.
  • $0 annual fee in first year ($49 thereafter)4
  • 0%p.a on Balance transfers- Pay no interest for 33 months on balances transferred.2
  • Up to 55 days interest free-No interest on purchases for up to 55 days.3

Key Features
Rewards Program
Joining Fee
Annual Fee
Insurance Cover
for Purchases
Overseas ATM
Automatic Travel

Fee & Repayments

Annual Fee $49.00
Annual Fee First Year $0.00
Rewards Joining Fee -
Supplementary Card Fee $0.00
Minimum Repayment Greater of 3% or $35.00
Interest Charged From PurchaseDate
Late Payment Fee $12.50

Other Charges

Duplicate Statement Fee $0.00
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $0.00
Overseas ATM Withdrawal Fee $3.50
Over Limit Fee $0.00
Overseas Emergency Card Replacement Fee $30.00
Terms & Conditions
Rates current as at 1 June 2021 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 6 May 2021. This is a limited time only offer which may be withdrawn or changed at any time without notice. Only one application per account accepted (consolidate up to 3 credit cards per application). Offer not available to transfers from credit cards that you already have with us. The balance transfer application must be applied for within 3 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. interest rate will apply for 33 months from the date the balance transfer application is processed. At the end of that Promotional Interest Rate Period, the Cash Advance Rate (21.74%p.a. as at 1 June 2021 and 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 1 June 2021 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. 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.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.