Greater Bank Credit Cards

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Compare Greater Bank credit cards and discover how you could save with a low rate credit card

The Greater Bank is one of the nation’s largest building societies. A building society is like a bank with a difference — banks are owned by their shareholders, but building societies are owned by its members. There are more than a quarter of a million of Australians who hold a home loan, bank account or credit card — to name a few of their products — with Greater, and more and more Australians are making the switch to a credit union or building society every day.

Although Greater have a limited number of credit cards compared to some mainstream lenders — Greater Bank only offers one Visa credit card to members — the Greater Visa Credit Card is a competitive low rate product that can be used for cash advances or purchases without it costing a fortune. Compare and apply for Greater Bank credit cards here and find out about some of the benefits of Greater banking.

Compare credit cards from Greater Bank

Rates last updated December 4th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Greater Bank Visa Credit Card
No annual fee, if you spend a minimum of $10,000 annually after the first year
11.95% p.a. $40 p.a. More info

Types of credit cards from Greater Bank

The Greater Bank offer these credit cards to potential members.

  • Low rate credit cards

    Compare the Greater Visa Credit Card if you’re in the market for a card that you may need to pay off over a couple of months. This low rate credit card from Greater has one low interest rate for purchases and cash advances. You get interest-free days, too. Keep in mind you need to pay your account in full to get up to 55 days interest-free. You can also enjoy convenient purchasing with Visa payWave and easy management of your card account.

Rates last updated December 4th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Greater Bank Visa Credit Card
Get access to a credit card with a low ongoing purchase and cash advance rate of 11.95% p.a. and No annual fee, if you spend a minimum of $10,000 annually after the first year. Offer only applies to NSW & QLD residents.
11.95% p.a. $40 p.a. Up to 55 days on purchases More info
Rates last updated December 4th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
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
Offering 0% p.a. interest rate on balance transfers for 18 months. Earn bonus Velocity Points in the first 3 months.
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
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
NAB Low Fee Card
Enjoy a low annual fee plus a low introductory offer of 0% p.a. for 15 months on purchases and balance transfers.
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
Virgin No Annual Fee Credit Card
$0 annual fee credit card with $100 cashback and a long term low rate balance transfer offer of 0% p.a. for 18 months with 2% balance transfer fee. Spend criteria applies for cashback offer.
18.99% p.a. 0% p.a. for 18 months with 2% balance transfer fee $0 p.a. Up to 44 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
Westpac Low Rate Card
A no frills credit card with an introductory rate of 0% p.a. for 16 months on balance transfers and 1% p.a. for 12 months on purchases.
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
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
ANZ First Visa Credit Card
Enjoy 0% p.a. balance transfer rate for the first 18 months, a low annual fee, interest-free days on purchases and a low minimum credit limit.
19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee $30 p.a. Up to 44 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
Citi Rewards Credit Card - Platinum Card
Consolidate your debt with a low balance transfer offer and a host of platinum privileges.
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
ANZ Frequent Flyer Platinum
The ANZ Frequent Flyer Platinum Credit Card allows you to maximise your Qantas Frequent flyer points on everyday purchases. Earn up to 1.5 Qantas Frequent Flyer points per $1 spent on purchases, get 50,000 Qantas Points when you spend $2,500 on eligible purchases for the first three months from card approval and enjoy a waived annual fee for the first year.
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
BankSA Vertigo Visa
One of the cheapest credit cards that currently offers low introductory balance transfer rate.
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
ANZ Frequent Flyer
Receive 25,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Plus enjoy a waived annual fee for the first year.
19.99% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Up to 44 days on purchases Go to site More info
Citi Clear Platinum Card
Visa Concierge Service, complimentary purchase cover and a long term balance transfer option.
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
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
Learn more about Low Rate Credit Cards

The benefits of banking with Greater Bank

Apply for a credit card with Greater and find out what your plastic can actually do for you.

  • Internet and phone banking

You can access your Greater credit card account from anywhere in the world at any time of the day as long as you have an internet connection and a device. Use your computer to log on to the Greater Bank Internet Banking platform or download the mobile banking application for your tablet or smartphone device and make payments to other accounts, review your transactions and view statements.

  • Greater Visa Credit Card — one rate

Not every credit card is as straight forward as credit cards from Greater. The Greater Visa Credit Card has just one right rate of interest for purchase and cash advance transactions. Use this card to withdraw cash from an ATM and interest will accrue at the same rate had you used the card to make a purchase.

  • Greater credit cards — Visa cards

Get the benefits of Visa when you apply for a credit card with Greater.

  • PayWave. Visa PayWave lets you complete small transactions (under $100) just by tapping your Greater credit card against a payWave contactless terminal.
  • Visa Checkout. This service simplifies the online shopping experience. Use just one username and password to complete an online transaction. Your Greater credit card details are secured in your online Visa account for future use.
  • Zero Liability Policy. If you’re the victim of credit card fraud when you use your credit card to make a purchase in-store or online, Visa will guarantee you a refund of the defrauded amount if you’ve followed their Zero Liability guidelines.

How to apply for a Greater Bank credit card

The online application is an easy way to apply for a credit card from the Greater Bank. It can be completed in under 15 minutes and you will have a response as to whether you qualify for the product right after you submit the online form.

Application requirements

If you want to apply for a Greater Bank credit card, make sure you meet the following eligibility requirements:

  • Be over the age of 18
  • Be a permanent Australian resident
  • Meet the credit history and minimum income requirements (Earn at least $20,000 p.a.)

Information needed

Make sure the application process goes smoothly by having this information handy before starting your application:

  • Identification. Provide a copy of your photo identification. Photo identification includes a driver's licence, passport, proof of age card or national identity card.
  • Income and employment information. Include your employer’s contact information and how much you earn. You will need to prove your income as well, you can do this by faxing or emailing payslips once you submit your application. If you're self-employed will need to submit tax returns or a Notice of Assessment for the past two years.
  • Expenses. Provide information about your ongoing expenses and whether you have any debts or outstanding loans. If you want to transfer the balance of a non-Greater Bank credit card, include the account information and amount you want to transfer. You will also need to provide your last statements of the account(s) you want to transfer from.
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Frequently asked questions

We’ve covered the frequently asked questions about Greater Bank credit cards below. Use the form to ask us a question if you can’t find an answer to your question below.

What happens after I submit my application for a Greater credit card?

Once you submit your application for a credit card with the Greater Bank you may need to verify your identity and your income before your application can be processed — especially if you’re a new customer.

  • Proof of income. Two most recent payslips or tax returns.
  • Proof of identity. Mail certified copies of your identification to the Credit Cards Department.
  • Balance transfers. Include a copy of your credit card statement with the above-mentioned copies of documents if you wish to carry out a balance transfer to a Greater Bank credit card.

How long before I get my credit card?

You should get your card in seven to 14 business days after you’ve been approved for the card and you’ve submitted any supporting documents to Greater Bank.

How do I activate my Greater Bank credit card?

You’ll need to activate your Greater credit card before you can start spending on it. Activation is simple and can be done online by logging on to Internet Banking. You can also activate your credit card by visiting a Greater Bank branch or by calling Greater directly.

How can I make a repayment to by Greater Bank credit card?

Have a look at your credit card statement for information and steps about how to make a payment to your Greater Bank credit card. Some of the ways you can pay your credit card include:

  • BPAY Payment. 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 information does my Greater Bank credit card statement show?

Your credit card statement has some key information about how to use your Greater Bank credit card and how to make a repayment. On your statement you will be able to see:

  • How long it will take to pay your entire outstanding balance if you just make the minimum credit card repayment
  • The due date for your credit card repayment
  • The ways you can make repayments to Greater Bank credit cards
  • Whether you owe any money on the card and how much
  • The rates of interest and whether you have any promotional offers active
  • Points earning

You get a paper statement sent to your residential address by default but you can choose to get an electronic statement instead.

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

A lost or stolen credit card needs to be reported to the credit card issuing institution immediately.

How do I get an additional credit card?


You can add a number of additional cards to your account so you can give one to a relative or friend to use if need be. Each additional card issued is linked to the main account — the credit card statement and credit limit are shared — but each card has it’s own unique card name and the individual’s name is printed on the front.

Apply for an additional card either when you apply for the account online or after you apply by sending in an additional cardholder request form.

How do I get a replacement credit card?

If you’re in need of a replacement Greater credit card, contact the Greater Bank directly.

How do I register for Internet Banking?

Internet banking brings all the benefits of a bricks and mortar bank branch to your home – and with none of the lines or queues!

You need to register your Greater credit card for online banking before you can log on. You can do this on the Greater Bank website by following the prompts, you can visit your closest Greater Bank branch or you can give one of their customer service representatives a call.

How can I find out my credit limit?


It’s very difficult to properly predict what your credit limit will be before you’ve applied for credit. The application will ask you whether you want to apply for the maximum credit limit available to you or whether you want to apply for a specific credit limit. If you’ve applied for a credit card before and know roughly how your ratio of debt to assets translates to available credit, you can use this figure as a guide for working out your new credit limit.

How can I change my credit limit?

You can increase or decrease your Greater Bank credit card in one of two ways.

  • Use internet banking. Follow the prompts to apply for a credit limit increase.
  • Download an application form and send it to the Greater Bank head office.

You can decrease your credit limit at any time by calling the Greater Bank and speaking to credit card representative.

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