---
title: "Visa Credit Card — Greater Bank Limited"
description: "Credit & Charge Cards from Greater Bank Limited. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/greater-bank-limited/products/3220
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-28T14:00:00Z
---

# Visa Credit Card — Greater Bank Limited

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

**Credit & Charge Cards · Greater Bank**

Low rate, low fee, personal credit card

## At a glance

- **Purchase rate:** 9.95%
- **Annual fee:** $49.00

## Apply

Applications are handled by the provider: [Apply at Greater Bank Limited](https://www.greater.com.au/personal/credit-cards/)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Purchase | 9.95% | — | — |
| Balance transfer | 9.95% | — | — |
| Cash advance | 9.95% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| EasyPay notification fee - SMS | Withdrawal | $0.20 |
| Replacement card fee — Payable if the card is sent to you outside Australia. Payable when you or an additional cardholder request a replacement card before your card has expired, and you have already requested a replacement card in the period between the date on which the most recent annual fee is charged on your account (or if the annual fee is waived, the date on which it would be charged had it not been waived) and the date on which you request a second replacement card. | Event | $100.00 |
| Bulk coin purchase fee - In branch — 2.00% of value (minimum $2.00) | Withdrawal | 2% of transaction |
| Replacement card fee — Payable if the card is sent to you in Australia. Payable when you or an additional cardholder request a replacement card before your card has expired, and you have already requested a replacement card in the period between the date on which the most recent annual fee is charged on your account (or if the annual fee is waived, the date on which it would be charged had it not been waived) and the date on which you request a second replacement card. | Event | $7.00 |
| Australian cash advance fee — If your account has a negative balance at the time you request the cash advance fee you will be charged 2.00% of the cash advance amount. The minimum fee is $1.50, the maximum fee is $20.00. If your account has a positive balance flat fee is $1.50. Debited to your account when you request a cash advance in Australia. The fee will be debited on the last day of the statement period. | Withdrawal | 2% of transaction |
| Annual fee — Charged yearly · Debited to your account on the last day of the month in which the account is opened and then on the anniversary of that date every year. We will waive the annual fee: 1) When the value of all purchases debited to your account during the period between the debiting of one annual fee and the date of the next annual fee is to be debited equals or exceeds $12,000; 2) If you have paid an annual package fee in respect of your Ultimate Home loan on the date of or since the date that the last annual fee would otherwise have been debited. | Ongoing | $49.00 |
| Bulk coin purchase fee - External — $8.00 per bag | Withdrawal | $8.00 |
| Information fee — $20.00 plus $1.00 per page copied. Debited to your account when we provide information or copies of documents to you or someone else that relates to your credit card contract or any other record relating to the credit card contract. | Event | $20.00 |
| Telegraphic transfer - Australian Currency (Outgoing International Payment) — When transferring in AUD. Fee is inclusive of $40.00 payable to the product issuer, Convera Australia Pty Ltd. | Withdrawal | $50.00 |
| Disputed transaction fee — Debited to your account when you request a record of a disputed transaction. | Event | $10.00 |
| Telegraphic transfer - Foreign Currency (Outgoing International Payment) — When transferring in a foreign currency. Fee is inclusive of $20.00 payable to the product issuer, Convera Australia Pty Ltd. | Withdrawal | $30.00 |
| Late payment fee — Payable when you miss a payment. The fee will be debited to your account on the last day of the second consecutive statement period in which the minimum repayment is not made and thereafter on the last day of each statement period that the minimum repayment is not made by the due date. | Event | $20.00 |
| Foreign currency conversion fee — 3.00% of the value of the transaction in AUD debited to your account when you make a transaction in a foreign currency or in AUD when you are outside of Australia; or in Australia where the merchant or financial institution that processes the transaction is located outside of Australia | Purchase | 3% of transaction |
| Bank transfer fee — Applicable when receiving an inward RTGS (Real time gross settlement) | Withdrawal | $8.00 |
| Information fee - Per Page — Information fee $20.00 plus $1.00 per page copied. Debited to your account when we provide information or copies of documents to you or someone else that relates to your credit card contract or any other record relating to the credit card contract. | Event | $1.00 |
| EasyPay notification fee - Letter | Withdrawal | $8.00 |
| Default notice fee — Debited to your account when we send you a notice informing you of a default under the credit card contract. | Event | $50.00 |
| SMS alert fee — Charged for each SMS alert that is sent to you notifying you of account balances and/or other nominated transactions. | Transaction | $0.20 |
| EFT transaction fee (RTGS) — Applicable when you send an outward RTGS (Real time gross settlement) | Withdrawal | $20.00 |
| Foreign currency deposit fee | Deposit | $5.00 |
| Overseas cash advance fee — If your account has a negative balance at the time you request you will be charged 2.00% of the cash advance amount. The minimum fee is $4.00, the maximum fee is $20.00. If your account has a positive balance flat fee is $4.00. Debited to your account when you request a cash advance through a terminal outside of Australia. The fee will be debited on the last day of the statement period. | Withdrawal | 2% of transaction |

## Features

- **Additional cards** — up to 9
- **Fraud protection**
- **Digital banking**
- **Digital wallet** — Google Pay
- **Interest-free period** — 55 days
- **Balance transfers**
- **Digital wallet** — Apple Pay
- **Card access** — Greater Bank Visa Credit Card
- **Unlimited transactions** (Subject to credit limit)
- **Notifications** — SMS or Email (Receive notification from bank of your nominated transactions (e.g. low account balance warning; credits over $500))

## Eligibility

- **Employment status** — Gainfully employed
- **Must be identifiable in terms of legislative requirements. Lending criteria apply.**
- **Residency status** — Australian Residents only
- **Minimum income** — $20,000.00 p.a.
- **Minimum age** — 18 years
- **Individuals only**

## Constraints

- **Minimum limit** — $1,000.00
- **Maximum limit** — $25,000.00

## More information from Greater Bank Limited

- [Overview](https://www.greater.com.au/personal/credit-cards/visa-credit-card/)
- [Terms & conditions](https://www.greater.com.au/termsandconditions)
- [Fees & pricing](https://www.greater.com.au/siteassets/calculators-rate-and-support/documents/disclosure-documents/fees-and-charges/creditcard_feesandchargesform.pdf)

## Data provenance

- Published by Greater Bank Limited under the Consumer Data Right
- Product ID: `3220`
- Last updated by the provider: 28 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/greater-bank-limited/3220
- Provider page: https://www.cdrcompare.au/brands/greater-bank-limited
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000346

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/greater-bank-limited/products/3220) — 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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