Greater Bank
Visa Credit Card
Low rate, low fee, personal credit card
Credit cardsBank updated 10 Sept 2026
At a glance
- Purchase rate
- 9.95%
- Cash advance
- 9.95%
- Interest-free days
- 55
- Annual fee
- $49
- Foreign transaction fee
- 2.00%
- Balance transfer
- 9.95%
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transfer | P&I | — | — | 9.95% | — | — |
| Cash advance | P&I | — | — | 9.95% | — | — |
| Purchase | P&I | — | — | 9.95% | — | — |
§ 02 — Fees · 22
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Australian cash advance fee | Cash advance | 2.00% of transaction | — | 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… |
| Overseas cash advance fee | Cash advance | 2.00% of transaction | — | 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 positiv… |
| Foreign currency deposit fee | Deposit | $5 | — | — |
| Default notice fee | Event | $50 | — | Debited to your account when we send you a notice informing you of a default under the credit card contract. |
| Disputed transaction fee | Event | $10 | — | Debited to your account when you request a record of a disputed transaction. |
| Information fee - Per Page | Event | $1 | — | 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 o… |
| Information fee | Event | $20 | — | $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 rela… |
| Replacement card fee | Event | $7 | — | 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 car… |
| Replacement card fee | Event | $100 | — | 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 replacemen… |
| Late payment fee | Late payment | $20 | — | 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 la… |
| Annual fee | Periodic | $49 | Every 1 yr | 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 purchas… |
| Foreign currency conversion fee | Purchase | 3.00% of transaction | — | 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… |
| SMS alert fee | Transaction | $0.20 | — | Charged for each SMS alert that is sent to you notifying you of account balances and/or other nominated transactions. |
| Bank transfer fee | Withdrawal | $8 | — | Applicable when receiving an inward RTGS (Real time gross settlement) |
| Bulk coin purchase fee - External | Withdrawal | $8 | — | $8.00 per bag |
| Bulk coin purchase fee - In branch | Withdrawal | 2.00% of transaction | — | 2.00% of value (minimum $2.00) |
| EasyPay notification fee - Letter | Withdrawal | $8 | — | — |
| EasyPay notification fee - SMS | Withdrawal | $0.20 | — | — |
| EFT transaction fee (RTGS) | Withdrawal | $20 | — | Applicable when you send an outward RTGS (Real time gross settlement) |
| Overseas ATM | Withdrawal | $5 | — | $5.00 plus Foreign Currency Conversion Fee |
| Telegraphic transfer - Australian Currency (Outgoing International Payment) | Withdrawal | $50 | — | When transferring in AUD. Fee is inclusive of $40.00 payable to the product issuer, Convera Australia Pty Ltd. |
| Telegraphic transfer - Foreign Currency (Outgoing International Payment) | Withdrawal | $30 | — | When transferring in a foreign currency. Fee is inclusive of $20.00 payable to the product issuer, Convera Australia Pty Ltd. |
§ 03 — Features
Digital bankingFraud protectionUnlimited transactionsBalance transfers55 interest-free days9 additional cardsGoogle PayApple Pay
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian Residents only
- · Employment: Gainfully employed
- · Minimum income $20,000
- · Available to individuals
- · Amount $1,000 to $25,000
- · Must be identifiable in terms of legislative requirements. Lending criteria apply.
§ 05 — Compare
§ 06 — Run the numbers
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Published by Greater Bank Limited under the Consumer Data Right, last changed by them on 10 Sept 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.