Great Southern Bank Credit Cards

Great Southern Bank provides a low rate and a platinum credit card and both come with introductory balance transfer offers.

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Great Southern Bank

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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.

Great Southern Bank Credit Card Offer

Great Southern Bank Low Rate Credit Card

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
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Comparison of Great Southern Bank credit cards

$
% p.a.
Name Product Balance transfer rate Purchase rate Annual fee Amount saved
Great Southern Bank Low Rate Credit Card
0% p.a. for 25 months
11.99% p.a.
$0 annual fee for the first year ($49 p.a. thereafter)
Take advantage of a 0% p.a. balance transfer rate for 25 months, $0 first year annual fee, and a low variable 11.99% p.a. interest rate on purchases.
Great Southern Bank Platinum Credit Card
0% p.a. for 25 months
19.99% p.a.
$0 annual fee for the first year ($149 p.a. thereafter)
Get 1 Great Southern Bank Platinum Rewards point per $1, complimentary travel insurance, a $0 first year annual fee and a 25-month balance transfer offer.
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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.

  • Interest-free days

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.

  • Additional cards

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.

Eligibility criteria

  • You must be at least 18 years old
  • You must be a permanent resident of Australia
  • Other criteria will also apply

Required documents

  • 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

More guides on Finder

  • 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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29 Responses

    Default Gravatar
    ToulaAugust 14, 2019

    I applied for a CUA credit card on 8/8/19, can you please advise when I am likely to hear back on whether my application has been approved.
    thanks

      Default Gravatar
      NikkiAugust 14, 2019

      Hi Toula,

      Thanks for leaving a question on our page about your CUA credit card application follow up. While we review CUA on our pages, kindly note that Finder does not work with CUA and therefore we don’t have access to their records. Unfortunately, we aren’t able to check the status of your credit card application. Best to reach out to them for a follow up.

      Hope this clarifies!

      Kind regards,
      Nikki

    Default Gravatar
    AnnaOctober 10, 2017

    Hi, I have a low rate CUA Mastercard. I frequently purchase online from overseas and am getting charged a foreign currency fee. Is there anyway to avoid this? Would using my debit card or PayPal be a better option?

    Thanks.

      Avatarfinder Customer Care
      JhezOctober 10, 2017Staff

      Hi Anna,

      Thank you for your comment.

      For CUA Platinum and Low Rate Credit card, the Foreign Currency Conversion fee is 3.4% of the transaction value. This takes place when you make a transaction that is converted by a credit card network from AUD to foreign currency. This is one of the features of this card. You may visit our list of 0% Foreign Fees Credit Cards to compare your options.

      You can press the “Go to site” button of the card you’ve selected to proceed with your application. Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

      Hope this helps.

      Regards,
      Jhezelyn

    Default Gravatar
    ShirleyDecember 30, 2016

    I am on the age pension do I qualify with no debts 22,880 per year

      Default Gravatar
      MaureenMay 23, 2017

      We are CUA.members we have credit cards with ANZ and Westpac
      we have nothing owing on Westpac Master card and $approx $1600 on Visa Anz can I transfer to your card from Anz with zero interest?

      Avatarfinder Customer Care
      HaroldMay 24, 2017Staff

      Hi Maureen,

      Thank you for your inquiry.

      Please note that we are not CUA and thus, we can only offer general information.

      Regarding your question, the answer is yes. You can transfer your balance from your ANZ card. You can also enjoy 0% p.a. on balance transfers for 20 months (reverts to 21.74% p.a.). If this interests you, please read more about the CUA credit card and if you believe it is the right one for you, select the “Go to site” button found on this page to be redirected to their website.

      Please note that some credit cards have restrictions around which institutions you can balance transfer your debts from. This usually happens when credit card companies have financial ties to one another, or when both credit card companies are actually being financed by the same larger lending institution. To learn more, you can also read our balance transfer guide about which bank you can do a balance transfer with.

      I hope this information has helped.

      Cheers,
      Harold

      Avatarfinder Customer Care
      MayDecember 30, 2016Staff

      Hi Shirley,

      Thank you for your inquiry.

      Unfortunately, you must be employed when you apply for the CUA credit card. The banks/credit card companies that may accept applications from retired and pensioner applicants are listed in our article about how retirees get credit cards.

      On the same page, you can find the documents you’ll need to improve your chances of approval.

      Hope that helps.

      Cheers,
      May

    Default Gravatar
    TerryFebruary 4, 2016

    I have a platinum master card with CUA. Iam travelling to Canada & America in May 2016.I believe i get free travel insurance if holiday is purchased via my card.How do i get details for my travel insurance.
    Regards Terry Murray

      Avatarfinder Customer Care
      SharonFebruary 4, 2016Staff

      Hi Terry,

      Thanks for you inquiry.

      Complimentary Travel Insurance is provided automatically to CUA cardholders. For complete details about this cover, you may refer to CUA’s travel insurance PDS I have sent to your email.

      Cheers,

      Sharon

    Default Gravatar
    kenMay 7, 2015

    How do I make my account MasterCard paperless?

      Avatarfinder Customer Care
      JonathanMay 7, 2015Staff

      Hi Ken, thanks for your inquiry!

      Receiving paperless statements can be requested through CUA online account login or by contacting CUA directly.

      Cheers,

      Jonathan

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