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G&C Mutual Bank Low Rate Visa Credit Card

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Cut costs with a low interest rate on purchases and a competitive annual fee with the G&C Low Rate Visa credit card.

The G&C Low Rate Visa is designed to help you keep your credit card costs low. It charges a 7.49% p.a. interest rate on purchases, which is one of the lowest on the market. You can also save with a competitive annual fee and up to 50 interest-free days on purchases.

7.49% p.a.

Purchase rate

$50 p.a.

Annual fee

50 days

Interest free period


Product NameG&C Mutual Bank Low Rate Visa Credit Card
Purchase rate (p.a.)7.49% p.a.
Annual fee$50 p.a.
Interest-free period50 days
Cash advance rate (p.a.)15.49% p.a.
Min credit limit$1,000
Card typeVisa
Foreign currency conversion fee (Visa/Mastercard)3%
Complimentary travel insuranceNo
Minimum age18 years of age
Available to temporary residentsNo
Joint applicationNo


  • 7.49% p.a. interest rate on purchases
  • $50 annual fee
  • Up to 50 days interest free on purchases


  • This card is not linked to any rewards program.
Annual fee$50 p.a.
Minimum monthly repayment5% of the closing balance or $20, whichever is greater
Late payment fee$15
Foreign currency conversion fee (Visa/Mastercard)3%
Cash Advance Fee$5
Overseas cash advance fee$5

Expert review

Sally McMullen

Review by

Sally McMullen is a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The G&C Low Rate Visa credit card has one of the most competitive standard purchase interest rates in the market. If you regularly carry a balance from month to month, this card could help you reduce your costs compared to other options.

How to apply

You can apply for the G&C Mutual Bank Low Rate credit card online but you’ll need to check if you meet the eligibility requirements and have the necessary information before you get started.

Eligibility criteria

  • Residency. You must be an Australian or New Zealand citizen or an Australian permanent resident to receive approval.
  • Employment. You must be eligible to work in Australia and employed or earning a regular income.

Card benefits

  • Low purchase rate. Your purchases will attract a low interest rate of 7.49% p.a.
  • Visa perks. You can use your card at millions of locations wherever Visa is accepted and enjoy exclusive discounts and deals through Visa Offers and Perks.

Rates & fees

  • Annual fee. This card charges an annual fee of $50 p.a.
  • Cash advances. If you use your card to withdraw cash or make another cash advance transaction, you'll immediately collect the 15.49% p.a. interest rate. You'll also be charged a $5 cash advance fee.

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  1. Default Gravatar
    September 4, 2017

    We r travelling this Thursday afternoon (6pm) to Perth
    We cd use a credit card to satisfy Avis Car rental re excess on insurance
    We have not had a credit cad for ?15 years Dont really need one except as above
    we are aged pensioners with an investment property & proprietary interest in a building business
    Is it possible to get a credit card before we leave on Thursday

    • Default Gravatar
      September 4, 2017

      Hello Ron,

      Thank you for your question.

      It usually takes 5-10 working days for your card to be processed and be delivered to you. Therefore, it may already be too late on Thursday.

      We recommend instead that you consult our listed insurers on this page to inquire for a quote and policy cover for your needs.

      Hope this helps.


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