Greater Bank Credit Cards

The Greater Bank is a member-owned bank with branches across NSW and the Gold Coast. It is part of the NGM Group, with over 500,000 members and a history dating back to 1924. It offers one Visa credit card with a low interest rate, low annual fee and other simple features.

Greater Bank Visa Credit Card

Name	Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Greater Bank Visa Credit Card	Purchase rate p.a. 9.95%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 9.95%	Annual fee $49	More Info Compare	Same low 9.95% p.a. interest rate on purchases and cash advances, plus, up to 55 days interest-free on purchases.

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Types of credit cards from Greater Bank

• Low rate credit card

The Greater Bank Visa Credit Card has a low 9.95%p.a. variable interest rate on purchases and cash advances. This is much lower than the average credit card interest rate (around 20% p.a. in Australia), and gives you a way to save on interest charges as you pay off the balance. Its $49 annual fee is also competitive with other low rate credit cards and is waived after the first year if you spend at least $12,000 per year.

Benefits of a Greater Bank credit card

• Digital wallets

You can add a Greater Bank Visa Credit Card to Apple Pay and Google Pay to make payments straight from your mobile phone or other devices.

• Internet and mobile banking

Greater Bank offers internet and mobile banking, including an app for Apple or Android devices, so you can manage your account. It also offers phone and branch banking.

• Visa benefits

Greater Bank's Visa credit card offers acceptance in over 200 countries and regions around the world, with any business that accepts Visa. You'll also get access to deals on shopping, dining, travel and entertainment through Visa Offers + Perks.

• Security

Greater Bank credit cards offer an extra layer of protection when you shop online, with Visa Secure and EFTPOS Secure to verify transactions. You also get 24/7 support though Greater Bank and Visa Global Assist, and protection against fraudulent transactions with Visa's Zero Liability policy.

How to apply

You can apply for the Greater Bank Visa credit card online in minutes. Before you get started, make sure you meet the eligibility requirements and have the documents and details you'll need to complete the application.

Eligibility criteria

• Age. You must be at least 18 years old.
• Residency. This card is available to permanent Australian residents or citizens who live in NSW, QLD or ACT.
• Income. You must earn at least $20,000

Documents and details

• Personal information. This includes your full name, residential address, contact details and number of financial dependents.
• Identification. Provide a copy of your photo identification including a driver's licence, passport, proof of age card or national identity card.
• Income and employment. You'll need to provide your current income and employment details, including contact information for your employer/s. You may also need to provide recent payslips or other supporting documentation. If you're self-employed, you may need to provide your accountant's contact information or a Notice of Assessment from the past two years.
• Finances. This covers your average spending on essentials such as bills and groceries, as well as any existing cards, debts and assets.
• Credit card details. If you want to transfer a balance to the new card, you'll need to provide the account information and amount you want to transfer. Greater Bank also requires the last statement of the account(s) that you want to transfer from.

If you have any questions about the application, call Greater Bank on 13 13 86. You can also check out Finder's credit card application tips for more details on what to think about before applying for a credit card.

Credit card brands similar to Greater Bank

If you're interested in a credit card from a member-owned bank or building society, here are 3 other credit card providers you could compare with Greater Bank:

• Great Southern Bank credit cards
• Heritage Bank credit cards
• Newcastle Permanent credit cards

Frequently asked questions

• How can pay my Greater Bank credit card bill?

  Your repayment details will be listed on each credit card statement and include:

  • BPAY. To make a BPAY payment, log on to your non-Greater online banking network and select make a BPAY payment. Enter the Greater Bank Biller Code and your customer reference number — this is your credit card number.
  • Electronic Funds Transfer. Transfer money to your Greater Bank credit card from another institution’s online banking system. The Greater Bank BSB is 637 000 and your account number is your credit card number.
  • Branch. Visit a Greater Bank bank branch and pay your credit card by cash or EFTPOS.
  • Cheque. Have a look at your Greater Bank credit card statement for the Greater mailing address for credit card payments. You should be able to remove the bottom section of your card statement and attach a cheque to send to the building society.

• What do I do if my credit card is lost or stolen?

  If your card is lost, stolen or damaged, contact Greater Bank immediately on 13 13 86 or 1300 731 144 if it's outside business hours. You can also put a temporary lock on your card through the app.You can increase or decrease your Greater Bank credit card through your internet banking account or in the Greater Bank branch. Any credit limit increases are subject to approval criteria.

Contact details and related links

• Greater Bank phone number: 13 13 86
  8am-6pm (AEST) Mon-Fri, 8am-1pm Saturday
• After hours phone number: 1300 731 144
• Greater Bank home loans
• Greater Bank savings and bank accounts
• Greater Bank personal loans

Written by

Amy Bradney-George

Editor

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

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Amy has written 588 Finder guides across topics including:

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