Low Rate Credit Card (New)
A VISA credit card with a low rate and a low monthly fee.
- Purchase rate
- 11.99%
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Purchase | 11.99% | — | — |
| Cash advance | 21.74% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Monthly Card fee The Annual Fee is charged to your Account on the last day of your first statement cycle, and then will be charged monthly thereafter. | Ongoing | $5.00 |
| Cash Advance Fee A minimum of $3.50 Cash Advance Fee will be charged when a Cash Advance is obtained from your Account. | Withdrawal | Variable |
| Foreign Exchange Fee 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). | Transaction | Variable |
| Late Payment Fee 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. | Event | $12.50 |
| Emergency Replacement Card Fee An Emergency Replacement Card Fee will be charged when a replacement Card is requested to be provided to you or an Additional Cardholder via a priority service within Australia or overseas. | Event | $30.00 |
Features
- Additional cards — up to 3
- Additional Cardholders must be over 16 years of age. If an Additional Cardholder is not an existing Great Southern Bank customer, they must complete a Membership Application - Individual form and satisfy our identification requirements before being added to your account.
- Notifications — Monthly Statements
- Minimum Repayment. Your minimum repayment for each month will be calculated as the amount that is the greatest (or equal greatest) of: $35; or 3% of your Closing Balance; AND your Overlimit Amount (if any). If the Closing Balance on your Account is less than $35, the minimum repayment will be the Closing Balance.
- Digital banking
- Wherever you are in the world, Great Southern Bank gives you the choice and control to securely manage all of your accounts on a range of devices, the way you want.
- Digital wallet — Apple Pay
- Pay with your Apple(TM) device using Apple Pay.
- Fraud protection
Eligibility
- Minimum age — 18 yearsTo be 18 or over
- Individuals onlyApplications are for individuals and personal use purposes only.
- Residency status — You must be an Australian citizen or Australian resident to hold an account with Great Southern Bank
- Applications for credit cards are subject to credit approval.
- Other
Constraints
- Minimum limit — $500.00Minimum credit limit
More Information
Published by Great Southern Bank under the Consumer Data Right · Last updated 1 April 2026 · Product ID 2691-0100 · View on CDR.gov.au