Great Southern Bank Credit Cards

Great Southern Bank is one of the largest member-owned banks in Australia and has been operating for over 75 years. It was previously known as CUA and rebranded to Great Southern Bank on 1 June 2021. Its credit card features include low rates and fees, rewards and complimentary insurance.

Compare Great Southern Bank Credit Cards

Name	Purchase rate p.a.	Annual fee	Balance transfer rate p.a.	Amount Saved
Great Southern Bank Low Rate Credit Card	Purchase rate p.a. 11.99%	Annual fee $49	Balance transfer rate p.a. N/A		More Info Compare	Save with a low variable purchase rate of 11.99% p.a. and up to 55 days interest-free on purchases.

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Types of credit cards from Great Southern Bank

• Low rate credit card

The Great Southern Bank Low Rate Credit Card has a 11.99% p.a. variable interest rate for purchases, which is much lower than the average standard credit card interest rate of 20.16% p.a. according to Reserve Bank of Australia data. Its $49 annual fee is also at the low end of the scale for credit cards in Australia, and is currently waived in the first year.

Benefits of getting a Great Southern Bank credit card

Some of the features and benefits you can enjoy with a Great Southern Bank credit card include:

• Contactless payments

You can add a Great Southern Bank credit card to Apple Pay and Google Pay to make payments straight from your mobile phone or other device.

• Mastercard benefits

With either of these credit cards, you'll get access to exclusive offers for shopping, dining, travel and entertainment through Mastercard Priceless. These cards also offer contactless payments and worldwide acceptance through the Mastercard network, and protection with zero liability for fraudulent transactions and 24-hour global support services.

• Interest-free days

Both Great Southern Bank credit cards offer up to 55 interest-free days on purchases when you pay your account’s total outstanding balance by the due date on each statement.

• Additional cards

If you choose to get a Great Southern Bank credit card, you can request up to 9 additional cards. This allows you to share your account with a partner or family member. Keep in mind that you remain liable for all purchases made using additional cards linked to your primary card.

• Online and mobile banking

Keep track of your credit card transactions and manage your account 24/7 from anywhere using Great Southern Bank’s online banking platform or mobile banking app.

• Great Southern Bank member benefits

Great Southern Bank ensures that its profits go back to its customers in the form of lower fees and better rates. It also gives you the ability to bundle products such as credit cards and home loans, which can simplify your banking and help you save more on fees. In addition to these benefits, Great Southern Bank members can participate in its governance, ask questions about management and financial performance and even have voting rights at the Annual General Meeting.

How to apply for a Great Southern Bank credit card

You can apply for a Great Southern Bank credit card online in around 10 minutes. Before you apply, make sure you meet the eligibility requirements and have all the relevant details on hand to speed up the process.

Eligibility criteria

• Age. You must be at least 18 years old
• Residency status. You must be a permanent resident of Australia
• Income. You must earn a regular income.
• Credit history. You must have a good credit history with no bankruptcy or insolvency listed for the last 5 years.

Information and documents you need to apply

• Personal details. Your complete name, date of birth, marital status, number of dependents, and mother’s maiden name.

• Contact details. Your residential address, time spent there, residential status, phone number, and email address.
• Employment details. Your employment status, employer’s name and contact details, and time spent with current employer
• Financial details. This includes information on our assets, such as investments, shares or savings. It also includes details of any existing debts and loans, as well as regular payments such as rent and household bills.

What happens after you apply?

Great Southern Bank will send you an outcome by email once you have filled in the application form and upload your supporting documentation. If you're approved, you should get your credit card in the mail within 5-10 working days and can activate it through Internet or mobile banking.

Credit card brands similar to Great Southern Bank

If you want a credit card from a member-owned bank (or credit union), here are 3 other credit card providers you could compare with Great Southern Bank:

• Bank Australia credit cards
• Community First credit cards
• Heritage Bank credit cards

Frequently asked questions

• Do Great Southern Bank credit cards offer balance transfers?

  You can request a balance transfer from your existing credit card to a Great Southern Bank credit card when you apply. But there isn't always an introductory low or 0% balance transfer offer available on these cards. Outside of promotions, the cash advance interest rate applies to balance transfers.

• What information do I have to provide to move forward with a balance transfer?

  You have to provide the name of the card issuer, your account number, and the amount you wish to transfer.

• Can I use my Great Southern Bank credit card for cash advances?

  Yes, you can. Cash advances attract a higher interest rate than purchases, though. Great Southern Bank also charges a cash advance fee worth 2% of the cash advance amount, with minimum of $3.50. Note that cash advance transactions are not eligible for interest-free days, which means you'll pay interest from the time the transaction is made.

Important links and details

• Great Southern Bank customer service phone number: 133 282
  Hours of operation: 8am-8pm Mon-Fri and 8am-4pm Sat (AEDT)
• Great Southern Bank home loans
• Great Southern Bank savings and bank accounts

Compare other products from Great Southern Bank

• Great Southern Bank home loans
• Great Southern Bank personal loans
• Great Southern Bank car loans

Written by

Amy Bradney-George

Editor

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

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Amy has written 566 Finder guides across topics including:

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