Great Southern Bank
Low Rate Credit Card (New)
A VISA credit card with a low rate and a low monthly fee.
Credit cardsBank updated 2 Apr 2026
At a glance
- Purchase rate
- 11.99%
- Cash advance
- 21.74%
- Interest-free days
- 55
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advance | — | — | — | 21.74% | — | — |
| Purchase | — | — | — | 11.99% | — | — |
§ 02 — Fees · 5
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Emergency Replacement Card Fee | Event | $30 | — | 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. |
| Late Payment Fee | Event | $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. |
| Monthly Card fee | Periodic | $5 | — | The Annual Fee is charged to your Account on the last day of your first statement cycle, and then will be charged monthly thereafter. |
| Foreign Exchange Fee | Transaction | Varies | — | 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,… |
| Cash Advance Fee | Withdrawal | Varies | — | A minimum of $3.50 Cash Advance Fee will be charged when a Cash Advance is obtained from your Account. |
§ 03 — Features
Digital bankingFraud protection55 interest-free days3 additional cardsApple PayGoogle Pay
- · 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 (i…
- · 24/7 Emergency Assistance. If your card is lost or stolen, you can call us anytime to block it and order a replacement card.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: You must be an Australian citizen or Australian resident to hold an account with Great Southern Bank
- · Available to individuals
- · Amount $500 to no maximum
- · Applications for credit cards are subject to credit approval.
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Great Southern Bank under the Consumer Data Right, last changed by them on 2 Apr 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.