Great Southern BankLow Rate Credit Card (New)
A VISA credit card with a low rate and a low monthly fee.
At a glance
- Purchase rate
- 11.99%
- Cash advance
- 21.74%
- Interest-free days
- 55
How it compares
This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 11.99% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions | 17th lowest of 51, level with 5 others |
| Interest-free daysDays without interest on purchases when the balance is paid in full | 55 days | 62 daysBeyond Bank Australia's Low Rate Credit Card | 55 daysof 42 institutions | 2nd longest of 42, level with 30 others |
Rates
Every rate Great Southern Bank publishes for this credit card, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advance | - | - | - | 21.74% | - | - |
| Purchase | - | - | - | 11.99% | - | - |
Fees
5 fees published, grouped by when they're charged.
While you hold it1
- 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.
$5
When you make a transaction2
- 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,…
Varies - Cash Advance Fee
A minimum of $3.50 Cash Advance Fee will be charged when a Cash Advance is obtained from your Account.
Varies
When particular things happen2
- 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.
$30 - 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.
$12.50
Features
- 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.
Eligibility and 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 from $500, no maximum
- Applications for credit cards are subject to credit approval.
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Published by Great Southern Bank under the Consumer Data Right, last changed by them on 31 Oct 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.