Goldfields Money Credit Cards

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Discover the benefits of a Goldfields Money credit card

Goldfields Money Limited began operations in the form of Goldfields Credit Union, and over the course of its three-decade history transformed from a credit union to a financial institution listed on the Australian Securities Exchange. What this essentially means is that Goldfields Money now offers all the services a bank does, as well as the associated security.

Goldfields Money has branches in Kalgoorlie and Esperance, with their expansion into Perth beginning with the opening of a branch in the suburb of Claremont. This financial institution offers everyday and savings accounts, term deposits, business accounts, home loans, personal loans, car loans, business loans, credit cards, and more.

Types of credit cards offered by Goldfields Money

Goldfields Money Limited provides two MyCard MasterCard options, with both these cards offering the flexibility and convenience linked with MasterCard credit cards.

  • Low rate credit cards

The biggest draw of a typical low rate card is its low ongoing interest rate, which can be particularly useful when you carry over balances from one billing cycle to the next. Compare these cards by their low cost features. The Low Rate MyCard MasterCard that you can apply for through Goldfields Money comes with many money-saving features, such as an introductory rate on balance transfers and up to 55 interest-free days on purchases.

Rates last updated December 7th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Up to 55 days on purchases Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
11.99% p.a. $0 p.a. Up to 55 days on purchases Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
12.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for up to 12 months on purchases.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Australian Military Bank Low Rate Visa Credit Card
Enjoy a low interest rate of 10.99% p.a. on purchases, combined with a balance transfer offer of 0% p.a. for 12 months and a low annual fee.
10.99% p.a. 0% p.a. for 12 months $49 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
$100 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $58 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Visa
Enjoy a low balance transfer offer of 0% p.a. for 18 months and a low ongoing purchase rate from BankSA.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Platinum
Experience Platinum card benefits with complimentary insurance policies and 24/7 Visa Platinum Concierge Service. Get 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months if you apply by 4 January 2017.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Learn more about low rate credit cards

  • Platinum credit cards

A platinum card allows you to earn and redeem rewards points in accordance to your spending, and such a card tends to offer other extras as well. With the premium features you get with these cards, you should keep in mind the card's value for money with regards to its features. With the Platinum MyCard MasterCard, you get free enrolment to the Card Services Rewards Program and 24/7 access to a platinum concierge service. A special introductory interest rate offer is also in place for purchases and balance transfers.

Rates last updated December 7th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Up to 55 days on purchases Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Up to 55 days on purchases Go to site More info
NAB Qantas Rewards Premium Card - Exclusive Offer
Get 75,000 bonus Qantas Points plus enjoy a low promotional offer of 4.99% p.a. for 6 months on balance transfers.
19.99% p.a. 4.99% p.a. for 6 months $250 p.a. Up to 44 days on purchases Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months and a low 0% p.a. for 18 months on balance transfers. Receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Up to 44 days on purchases Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Up to 55 days on purchases Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Citi Rewards Credit Card - Platinum Card
Enjoy a long term balance transfer offer and earn 1.25 Citi Reward Points on per $1 spent for all domestic purchases.
20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $199 p.a. annual fee for the first year ($249 p.a. thereafter) Up to 55 days on purchases Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Up to 55 days on purchases Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Citi Qantas Signature Credit Card
Earn up to 50,000 bonus Qantas Points when you spend $2,000 or more on eligible purchases in the first 90 days. Plus, enjoy introductory interest rates on balance transfers and purchases with a discounted annual fee of $199 in the first year.
20.99% p.a. 0% p.a. for 6 months $199 p.a. annual fee for the first year ($395 p.a. thereafter) Up to 55 days on purchases Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Up to 44 days on purchases Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn up to 1.5 Qantas Points per dollar spent.
19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Up to 55 days on purchases Go to site More info
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $395 p.a. Up to 55 days on purchases Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
20.24% p.a. $225 p.a. Up to 55 days on purchases Go to site More info
American Express Qantas Premium Card
Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $249 p.a. Up to 44 days on purchases Go to site More info
Citi Rewards Platinum Card - Cashback Offer
Earn $250 cashback on eligible spend, plus enjoy 0% p.a. balance transfer offer for 12 months, discounted annual fees for the life of the card and a complimentary travel insurance.
20.99% p.a. 0% p.a. for 12 months $99 p.a. annual fee for the first year ($199 p.a. thereafter) Up to 55 days on purchases Go to site More info
American Express Platinum Card
Receive 100,000 Membership Rewards Bonus Points when you meet the minimum spend requirement and earn up to 3 points per dollar spent. Gain access to travel insurance, $300 Platinum Travel Credit every year and access to 900 VIP airport lounges.
$1,200 p.a. Up to 44 days on purchases Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
An interest-free period on both purchases and balance transfers.
0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Up to 44 days on purchases Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Receive 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
20.74% p.a. 1.9% p.a. for 15 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Up to 44 days on purchases Go to site More info

Learn more about platinum credit cards

Benefits of getting a Goldfields Money credit card

When you deal with this financial institution you can look forward to a high level of customer service coupled with flexibility in decision-making. Getting a credit card through Goldfields Money comes with numerous advantages.

  • Save on rates and fees

Both the low rate and platinum cards charge annual fees, but if you apply before a certain date a discounted fee will apply. The low rate card also offers an introductory balance transfer rate for the first nine months, while the platinum card comes with a 0% p.a. interest rate on balance transfers and purchases. This promotional rate also applies for the first nine months.

  • Protection with complimentary insurance

With the low rate card, you receive protection through a guaranteed pricing scheme and purchase cover insurance. These come with the platinum card too, and this card also includes complimentary extended warranty insurance, transit accident insurance, interstate flight insurance, and international travel insurance.

  • Platinum benefits

As a platinum cardholder you'll have access to premium services, like your own personal concierge. Through this service you can make your life a little easier by having assistance with hotel reservations, booking flights, and booking tickets to different events.

How to apply for a Goldfields credit card

You can apply for a Goldfields credit card by pressing the 'Go to Site' button which will redirect you to a secure web form. Please see the following application criteria for eligibility.

Application criteria

  • You’re over 18 years of age
  • You’re an Australian citizen or a permanent Australian resident
  • You don’t have bad credit history
  • You earn at least $25,000 p.a. if you want to apply for the low rate card, and at least $35,000 to apply for the platinum card

Required documents

  • Personal details. Start by providing personal information such as your name, driver’s license number, marital status, and the like.
  • Contact details. This section requires your address and contact information, such as phone numbers.
  • Job details. Select your occupation and industry and provide your employer’s name and contact details. You'll also need to mention how long you’ve been with your current employer.
  • Income and expenses. Income refers to income you earn from all sources, and expenses include your regular living expenses as well as any other recurring expenses. This section also requires details about all your existing debts and liabilities.

After applying

Once you submit your application, Card Services reviews it, and a Card Services rep might contact you for further information. An income verification call may go to your employer, and if the payroll department knows of this call in advance it can help move the process a little quicker. If you’re new with Goldfields Money you’ll have to complete a legally required identity verification process, which might entail a trip to a Goldfields Money branch.

Frequently asked questions

Some questions about Goldfields Money credit cards appear more frequently than others, and the answers to these are listed below. To leave behind a question, use the form at the end of this page.

How can I make payments towards my Goldfields Money credit card?

One option is to set up automatic payments using a Goldfields Money everyday or savings account, and you can also do this using a savings or transaction account from any other Australian financial institution. You can make repayments using the Goldfields Money net, mobile, or phone banking platforms. You can also post cheques or make payments via BPAY.

How long does the application take to process?

It can take Card Services up to three weeks to process your application and mail your credit card.

How can I apply for a balance transfer?

You can provide all the required details through your original credit card application, or you can provide these details when a Card Services rep contacts you to inform you of the card’s conditional approval.

What credit limit might I get?

Your credit limit depends on multiple factors, and both low rate and platinum cards come with different minimum and maximum credit limits.

Can I apply for an increase in my card’s credit limit?

Yes, but for a successful credit limit increase application you have to fulfill certain credit criteria.

How can I get an additional card?

You can get up to four additional cards, and additional cards linked to platinum cards earn reward points.

How do I earn reward points?

Platinum cardholders, and linked additional cardholders, earn reward points when they make eligible retail purchases, which can be in brick-and-mortar establishments as well as online and over the phone. Every dollar spent on such purchases earns 1.25 reward points.

How many points can I earn?

As a platinum cardholder you can earn as many as 100,000 reward points every year. Your points never expire.

Can anyone redeem my reward points?

The primary and first additional cardholders get automatic authority to redeem reward points, and the primary cardholder can grant this permission to other additional cardholders too.

How do I redeem my reward points?

Visit the Card Services website to redeem your points, and you can also do so by calling Card Services. You can redeem points for travelling through Take Flight, through frequent flyer programs, in the form of cashback or also by choosing travel and store vouchers.

How do I report a lost or stolen card?

To report a lost or stolen card you should call Card Services immediately.

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ME Bank frank Credit Card
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HSBC Platinum Credit Card
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