G&C Mutual Bank Credit Cards


Check out G&C Mutual Bank for credit cards with competitive rates on purchases and balance transfers

Australia has hundreds of thousands of mutual bank customers, with G&C Mutual alone having over 36,000 members. Mutual Banks are customer-owned financial institutions, and when a mutual makes a profit, customers benefit through lower rates and fees. Mutual banking societies can offer credit cards with rates and fees that stand at the front of the pack for value for money.

Choice of credit cards is where most mutual banks tend to fall short of their competition. G&C Mutual Bank offer a limited number of credit and debit card products compared to other lending institutions. But even with this narrow selection of cards, G&C Mutual bank offer products that are low on fees and big on value. Whether you’re looking to get a break on your interest repayments through a balance transfer or you want a credit card that’s cheap to use for purchases with interest-free days, G&C Mutual Bank credit cards should be part of your comparison.

G&C Mutual Bank Credit Cards

Rates last updated January 23rd, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
G&C Mutual Bank Low Rate Visa Credit Card
9.49% p.a.
0% p.a. for 12 months
$50 p.a.
Receive up to 50 days interest-free on purchases and the ability to use Visa payWave for transactions less than $100.
G&C Mutual Bank Platinum Visa Credit Card
18.74% p.a.
0% p.a. for 12 months
$249 p.a.
Earn 1.00 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

Are you looking for a credit card to use for purchases that has interest-free days and a balance transfer offer? G&C Mutual Bank credit cards offer all of the above. Compare credit cards by the card type below.

  • Low rate credit cards

Most low rate credit cards offer interest-free days, but if you can’t pay your balance in full when your statement comes, the purchase rate will be charged. No one likes paying interest, but it’s no so bad with a low rate card. Low rate credit cards are all about giving you a cheap way to make purchases, and the G&C Mutual Bank Low Rate Visa credit card has one of the most competitive purchase rates in the market. Compare these cards by their purchase rate and the number of interest-free days on offer. Of course, there’s the annual fee to think about too. The less you pay to own the credit card, the better. And don’t forget balance transfer and purchase rate promotions. These special deals can save you money so you can spend or save for the things that matter.

Learn more about low rate credit cards

The benefits of banking with G&C Mutual Bank

Get approved for a G&C Mutual Bank credit card and find out about the benefits of banking with a mutual society.

  • G&C Mutual Bank — The mutual difference

Mutual Banks are owned by their customers. As such, any profits a mutual makes are reinvested into the business and come back to members in the form of credit cards with low rates, low fees and competitive promotional offers. Mutual societies like G&C Mutual Bank are also heavily involved in the community, supporting grassroots campaigns and causes. When a mutual makes money, the whole community benefits, not just the members.

  • G&C Mutual Bank ATM network

G&C Mutual Bank are connected to the Westpac Group ATM network. You can use your credit card to make fee-free ATM withdrawals at G&C Mutual Bank ATMs, Westpac ATMs, St.George ATMs, BankSA and Bank of Melbourne ATMs.

  • G&C Mutual Bank online banking

Technology has brought the local bank branch to your computer and your pocket. Log on to G&C Mutual Bank online banking and manage your credit card from home or away, 24/7. G&C Mutual Bank offer desktop online banking and smartphone APPs that eliminate the need to visit a branch to do the majority of your banking.

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

You can apply for a G&C Mutual Bank credit card online. The application is straightforward and only takes about ten minutes to complete. You’ll need to verify your identity as well as provide proof of your income before your application can be finalised by G&C Mutual Bank.

Information needed for a G&C Mutual Bank credit card application

Make sure you have information about your finances and personal identity documents (like a driver’s licence if you’ve got one) when you start your application for a G&C Mutual Bank credit card.

  • Personal details. Provide basic information about yourself like your name, date of birth, home address and contact details. If you’ve been living at your current address for less than two years, you’ll need to enter your previous residential address too.
  • Identity verification. You will need to verify your identity to complete the application. You can do this by providing your medicare or driver's licence number. If you don’t have this information on hand, you can still complete the application and a G&C Mutual Bank representative will be in touch to complete the identity verification process.
  • Financial information. The application requires you to provide details about your employment situation and your income. Students and the unemployed can apply for this credit card provided they earn an income sufficient to service the minimum credit limit. If you would like to take advantage of the money-saving balance transfer feature, enter the account details of the non-G&C Mutual Bank credit cards or store cards you wish to transfer from. Make sure you also have an idea about your expenditure. G&C Mutual Bank calculates your credit limit based on your income, assets and your liabilities and ongoing expenses.

What happens next?

Once you submit the online application, a G&C Mutual Bank credit card team member will contact you the next business day to finalise your application. You may need to provide proof of your identity displaying your signature, proof of your income (two most recent payslips or your most recent tax return and your most recent bank and credit card statements (if applicable). Once this has been finalised, you should receive your G&C Mutual Bank Credit Card within five to seven business days.

Frequently asked questions

Check the FAQs for answers to the common questions about G&C Mutual Bank credit cards. You can also ask us a question by completing the form at the bottom of the page.

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