How can I get interest-free days?

G&C Mutual Bank credit cards offer interest-free days on purchases when you pay your account's closing balance in full by the due date on each statement. This basically means you would need to pay off what you spend each month in order to shop interest-free. If you want to know more about how credit card interest-free days work, check out this guide .

How can I register for online banking?

Call G&C Mutual Bank on 1300 364 400, email info@gcmutual.bank or fill in an online bank registration form on G&C Mutual Bank's website. You will need your membership details to register, so you will have to wait until you receive these if you're new to G&C Mutual Bank.

How can I register for the mobile app?

Once you have downloaded the app to your compatible mobile device, open it and follow the prompts to set up your account. You will need to provide your membership number and password to verify your details.

G&C Mutual Bank Credit Cards Comparison

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G&C Mutual Bank is a member-owned bank that's been operating since 1959 and has service centres across NSW and in Melbourne (VIC).
It offers two credit cards with simple, low-cost features-the G&C Mutual Bank Low Rate Visa Credit Card and the G&C Mutual Bank Low Rate Business Credit Card-as well as a rewards credit card offering premium benefits, the G&C Mutual Bank Platinum Visa Credit Card.

Compare G&C Mutual Bank credit cards

Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
G&C Mutual Bank Platinum Visa Credit Card Qantas Frequent Flyer	Purchase rate p.a. 19.99%	Bonus points 30,000	Points per $ spent 1	Interest-free period Up to 50 days on purchases	Balance transfer rate p.a. N/A	Annual fee $299	Get 30,000 bonus Qantas Points when you spend $5,000 on eligible purchases and keep the card open within the first 90 days. Plus, 10,000 bonus Qantas Points yearly.	More info Compare product selectionCompare	loading
G&C Mutual Bank Low Rate Business Credit Card	Purchase rate p.a. 12.49%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 50 days on purchases	Balance transfer rate p.a. N/A	Annual fee $50	Get a 12.49% p.a. interest rate for purchases and up to 5 cards linked to the account.	More info Compare product selectionCompare	loading

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Congratulations, G&C Mutual Bank!

The G&C Mutual Bank Low Rate Visa Credit Card won Best Low Rate Credit Card in the 2025 Finder Awards.

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The benefits of a G&C Mutual Bank credit card

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. You'll also 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 and mobile payments

You can tap to pay with this card at any business that accepts contactless payments. You can also add a G&C Mutual Bank card to your digital wallet with Apple Pay, Google Pay or Samsung Pay.

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 one of the service centres in NSW or Melbourne.

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

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

Credit card brands similar to G&C Mutual Bank

If you want a low-cost credit card or are interested in cards from a member-owned bank, here are 3 other credit card providers you could compare with G&C Mutual Bank:

Frequently asked questions

G&C Mutual Bank credit cards offer interest-free days on purchases when you pay your account's closing balance in full by the due date on each statement. This basically means you would need to pay off what you spend each month in order to shop interest-free. If you want to know more about how credit card interest-free days work, check out this guide.

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Written by

Amy Bradney-George

Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

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Amy has written 505 Finder guides across topics including:

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G&C Mutual Bank Credit Cards

G&C Mutual Bank offers a range of credit cards with low rates, simple features, and premium benefits for both personal and business spending.