---
title: "Low Rate Credit Card (New) — Great Southern Bank"
description: "Credit & Charge Cards from Great Southern Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/great-southern-bank/products/2691-0100
source: "CDR Compare"
language: en-AU
last_updated: 2026-04-01T14:01:00.00000Z
---

# Low Rate Credit Card (New) — Great Southern Bank

> Credit & Charge Cards from Great Southern Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards**

A VISA credit card with a low rate and a low monthly fee.

## At a glance

- **Purchase rate:** 11.99%

## Apply

Applications are handled by the provider: [Apply at Great Southern Bank](https://apply.greatsouthernbank.com.au/integatecus/frmIntegate.aspx?company=CUA&merchant=250&operator=WEB&Product=CC&ccProductId=1&ccCardDesign=1&ccProductName=Low%20Rate%20Credit%20Card&ccPromoCode=&encp=3PbPtkh51DQ5EnhM38OwPPF6jX0oem/KmPj0zQrDv80=a1RV/y24aquBKZoqpcE8gLiWGIMvYN6z&_gl=1*1lywldp*_gcl_au*NTQ1MDkxOTQ1LjE3NTQ0NDUxNzU.)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Purchase | 11.99% | — | — |
| Cash advance | 21.74% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Monthly Card fee — Monthly · 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** (Enjoy 24/7 fraud monitoring and Visa’s Zero Liability Policy^.)
- **24/7 Emergency Assistance. If your card is lost or stolen, you can call us anytime to block it and order a replacement card.**
- **Digital wallet** — Google Pay (Pay with your NFC capable Android(TM) devices using Google Pay.)
- **Interest-free period** — 55 days (Up to 55 interest free days on purchases when you pay off your closing balance in full by the due date shown on your statement each month.)

## Eligibility

- **Minimum age** — 18 years (To be 18 or over)
- **Individuals only** (Applications 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** — $500.00 (Minimum credit limit)

## More information from Great Southern Bank

- [Overview](https://www.greatsouthernbank.com.au/credit-cards/low-rate)
- [Terms & conditions](https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0024/536154/RC00689_CREDIT_CARD_Conditions_of_Use_and_Credit_Guide_250725.pdf)
- [Eligibility](https://www.greatsouthernbank.com.au/credit-cards/low-rate)
- [Fees & pricing](https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0021/45903/RC00688_Schedule_of_Fees_CREDIT_CARD_250910.pdf)

## Data provenance

- Published by Great Southern Bank under the Consumer Data Right
- Product ID: `2691-0100`
- Last updated by the provider: 1 April 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/great-southern-bank/2691-0100
- Provider page: https://www.cdrcompare.au/brands/great-southern-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000207

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/great-southern-bank/products/2691-0100) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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