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Great Southern Bank was previously known as CUA, and rebranded on 1 June 2021. It is still Australia's largest customer-owned bank and has been running for 75 years. Their credit card features include low rates and fees, rewards, complimentary insurance and introductory balance transfer offers. Use this guide to compare your options and decide if a Great Southern Bank credit card is right for you.
0% p.a. for 25 months on balance transfers
$0 annual fee for the first year
Eligibility criteria, terms and conditions, fees and charges apply
Great Southern Bank Credit Card Offer
A low rate card with an introductory rate on balance transfers, mobile payment compatibility and a waived annual fee for the first year.
- 0% p.a. on balance transfers for 25 months (reverts to 21.74% p.a.)
- $0 annual fee for the first year ($49 p.a. thereafter)
- Purchase interest rate of 11.99% p.a. with up to 55 days interest-free
- Up to 9 additional cardholders at no extra cost
Comparison of Great Southern Bank credit cards
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Types of credit cards from Great Southern Bank
Great Southern Bank offers two different Mastercard credit cards, both of which offer easy access to funds just about anywhere in the world. These cards offer different features designed to suit a range of people. Here’s what you can expect from each:
Low rate credit card
This type of credit card offers a low standard variable interest rate on purchases and usually comes with minimal features. The Great Southern Bank Low Rate Credit Card charges a competitive 11.99% p.a. (variable) on purchases. It also allows you to save money on existing debt with a 0% balance transfer offer for the first 25 months. This card offers a $0 annual fee in the first year, normally $49.
Platinum credit card
The Great Southern Bank Platinum Credit Card is a premium product that comes linked to the Great Southern Bank Platinum Rewards program, enabling you to earn and redeem reward points as you use the card. It also offers platinum card benefits including complimentary international travel insurance, transit accident insurance and purchase protection insurance covers. This card comes with an introductory 0% balance transfer rate for the first 25 months. It charges an annual fee of $149, which is waived in the first year.
Benefits of a Great Southern Bank credit card
Some of the features and benefits you can enjoy with a Great Southern Bank credit card include:
Balance transfer offers
Great Southern Bank credit cards allow you to consolidate your existing card debt and save money on interest with competitive balance transfer offers. The Great Southern Bank Low Rate Credit Card offers 0% p.a. on balance transfers for the first 25 months. Similarly, the Great Southern Bank Platinum Credit Card offers 0% p.a. balance transfer rate for the first 25 months. Please note that the standard cash advance rate will apply once the promotional offer ends.
Both Great Southern Bank credit cards offer up to 55 interest-free days on purchases. To enjoy these interest-free days, you have to pay your account’s outstanding balance in full every month.
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, and could help maximise your reward point earnings if you choose the Great Southern Bank Platinum Credit Card. 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 just four steps. Before you apply, make sure you meet the eligibility requirements and have all the relevant details on hand to speed up the process.
- You must be at least 18 years old
- You must be a permanent resident of Australia
- Other criteria will also 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.
Great Southern Bank credit cards provide a competitive range of features that are designed to suit a wide range of different lifestyles and needs. When considering one of these credit cards, make sure you check all the requirements and fine print. It's also important to compare a range of other options so that you can choose a credit card that suits your needs.
Frequently asked questions
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Great Southern Bank Low Rate Credit Card
The Great Southern Bank Low Rate Credit Card comes with $0 annual fee for the first year, up to 55 days interest-free on purchases and a 0% balance transfer rate for the first 25 months.
Great Southern Bank Platinum Credit Card
Earn rewards as you spend, save with a balance transfer offer and enjoy complimentary travel insurance with the Great Southern Bank Platinum.
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