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G&C Mutual Bank Credit Cards

Find out about the low rate and rewards credit cards you can get with G&C Mutual Bank.

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G&C Mutual Bank

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G&C Mutual Bank offers two different credit cards: a Low Rate Visa and a Platinum Visa with frequent flyer rewards. Here, you can learn more about these different cards, as well as the features you can get when you become a member of G&C Mutual Bank.

Comparison of G&C Mutual Bank credit cards

Data indicated here is updated regularly
Name Product Purchase rate Interest-free period Annual fee Balance transfer rate
G&C Mutual Bank Low Rate Visa Credit Card
7.49% p.a.
Up to 50 days on purchases
$50
Offers low purchase rate and low annual fee, plus, up to 50 days interest-free on purchases.
G&C Mutual Bank Platinum Visa Credit Card
18.74% p.a.
Up to 50 days on purchases
$249
Earn 0.85 Qantas Frequent Flyer Point per $1 spent, have access to a 24/7 concierge and complimentary overseas travel insurance.
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Types of G&C Mutual Bank credit cards

  • Low rate credit cards

The G&C Mutual Bank Low Rate Visa has a 7.49% p.a. interest rate for purchases – one of the lowest on the market. It has a $50 p.a. annual fee that is also competitive with other low rate cards and offers worldwide acceptance through the Visa card network. If you're looking for other features or want to see how much you could save with a different card, it's worth comparing this card with other low rate credit cards to help you find one that works for you.

  • Frequent flyer credit cards

The G&C Mutual Bank Platinum Visa offers 0.85 Qantas Point per $1 spent on eligible purchases, plus 1 additional Qantas Point per $1 spent on eligible Qantas products and services in Australia. It also offers a platinum concierge service. As this card has a $249 p.a. annual fee, it's worth comparing other frequent flyer credit cards as well.

The benefits of banking with a G&C Mutual Bank credit card

If you get a G&C Mutual Bank credit card, here are some of the key benefits that you'll be able to access.

  • Visa benefits

G&C Mutual Bank credit cards can be used in-store, online and over the phone anywhere Visa is accepted. When you're shopping online, you'll get extra protection against fraud with Visa Secure verification when you shop with businesses registered for the service. Plus, you can get access to exclusive deals on shopping, dining, entertainment and travel through Visa Offers + Perks, with the latest deals listed on the Visa Australia website.

  • Contactless payments

You can tap to pay with this card at any business that accepts contactless payments. If your purchase is under $100, you won't even need to enter a PIN to verify it. You can learn more about how contactless payments work in this guide.

  • Banking options

You can check your credit card balance and manage your account details from anywhere with the G&C Mutual Bank mobile app, online banking or phone banking service, which you can reach any time by calling 1300 364 400. You also have the option of visiting a service centre, with locations across NSW and in Melbourne.

How to apply for a G&C Mutual Bank credit card

You can apply for a G&C Mutual Bank credit card online by filling in a secure application form on the bank's website. Alternatively, you can call the bank on 1300 364 400, visit a service centre or fill in a contact form on the website to have someone from G&C Mutual Bank contact you.

Before you apply, check that you meet the following eligibility criteria and have all the documents and details needed to complete the application.

Eligibility criteria

  • Australian residency status. You must be an Australian or New Zealand citizen, or an Australian permanent resident living in Australia. You must also be allowed to work in Australia.
  • Income. You must earn a regular income.
  • Credit history. You must have good credit history. The G&C Mutual Bank credit card application also specifically states that you cannot be going through the process of bankruptcy. If you're not sure what's on your credit history, you can get a free copy of your credit report and credit score through Finder.
  • Age. You must be at least 18 years of age.

Documents and details

  • Personal details. You need to provide basic information about yourself including your name, date of birth, home address and contact details. You also need to provide a valid form of ID such as your driver's licence, Australian passport or Medicare card details. If you don’t include this information when you apply, a G&C Mutual Bank representative will be in touch to complete the process.
  • Employment details. This includes your job, length of employment, salary and your employer's contact details. You may also need to provide recent payslips to help verify these details.
  • Financial information. This covers income from any other sources, as well as savings, investments, other assets and your existing debts, cards and liabilities. You also need to provide an estimate of your regular expenses, such as rent or mortgage payments, utility bills and groceries.

If you have any questions about the application or if you want to check on it at any time, you can call G&C Mutual Bank on 1300 364 400.

Frequently asked questions

Here, you'll find answers to common questions about G&C Mutual Bank credit cards. If you have another question, you can get in touch with Finder using the contact form below.

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Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
ANZ Low Rate
12.49% p.a.
0% p.a. for 25 months with 1.5% balance transfer fee
$0 annual fee for the first year ($58 p.a. thereafter)
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
Qantas American Express Premium Card
20.74% p.a.
$249
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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