Low Rate Credit Card

 General Lending Rates

• Lending Rate Type: Purchase
• Interest Rate: 11.99%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

 Product Features

• Additional Cards Additional Information: Additional Cardholders must be over 16 years of age. If an Additional Cardholder is not an existing Great Southern Bank customer, they must complete a Membership Application - Individual form and satisfy our identification requirements before being added to your account.

• Notifications

• Other Additional Information: Minimum Repayment. Your minimum repayment for each month will be calculated as the amount that is the greatest (or equal greatest) of: $35; or 3% of your Closing Balance; AND your Overlimit Amount (if any). If the Closing Balance on your Account is less than $35, the minimum repayment will be the Closing Balance.

• Digital Banking Additional Information: Wherever you are in the world, Great Southern Bank gives you the choice and control to securely manage all of your accounts on a range of devices, the way you want.

• Digital Wallet Additional Information: Pay with your Apple(TM) device using Apple Pay.

• Fraud Protection Additional Information: 24-hour fraud monitoring and extra peace of mind with 3D secure provided by Mastercard(R) identity check.

• Other Additional Information: 24/7 Emergency Assistance. If your card is lost or stolen, you can call us anytime to block it and order a replacement card.

• Digital Wallet Additional Information: Pay with your NFC capable Android(TM) devices using Google Pay.

• Interest Free Additional Information: Up to 55 interest free days on purchases when you pay off your closing balance in full by the due date shown on your statement each month.

 Product Eligibility

• Min Age - 18. Additional Information: To be 18 or over

• Natural Person Additional Information: Applications are for individuals and personal use purposes only.

• Residency Status - You Must Be An Australian Citizen Or Australian Resident To Hold An Account With Great Southern Bank.

• Other Additional Information: Applications for credit cards are subject to credit approval.

 Bank Fees and Charges

• Account Information Fee (Event), Amount: 20.00. Additional Information: Unless we are legally obliged to provide the information free of charge, an Account Information Fee will be payable when you request the following: (a) An annual audit certificate on the Account (b) A copy of a voucher or other document in relation to a Transaction (c) Personal Information, traces, document copies and/or other information pertaining to the Account Where further investigation is required an additional hourly rate of $20 per hour or part thereof will apply. An estimate of such additional charges will be provided prior to the work being undertaken.

• Arrears Letter Fee (Event), Amount: 22.00. Additional Information: Payable where Great Southern Bank sends you a letter in relation to arrears on your account.

• Default Notice Fee (Event), Amount: 33.00. Additional Information: Default notice fee is payable where Great Southern Bank sends you a default notice in relation to outstanding arrears on your account.

• Annual card Fee (Periodic), Amount: 49.00. Additional Information: The Annual Fee is charged to your Account on the last day of your first statement cycle, and then will be charged annually thereafter.

• Cash Advance Fee (Withdrawal), Amount: Not Listed.. Additional Information: A minimum of $3.50 Cash Advance Fee will be charged when a Cash Advance is obtained from your Account.

• Foreign Exchange Fee (Transaction), Amount: Not Listed.. Additional Information: A Foreign Exchange Fee will be charged in Australian dollars for any Purchases or Cash Advances made or processed in a foreign currency or where the merchant, or the merchant’s financial institution, is located overseas (both Multi-Currency Transactions and Single Currency Transactions).

• Late Payment Fee (Event), Amount: 12.50. Additional Information: A Late Payment Fee will be charged if the ”Total amount due” figure shown on the Statement is not paid within 25 days from your Statement Date.

• Emergency Replacement Card Fee (Event), Amount: 30.00. Additional Information: An Emergency Replacement Card Fee will be charged when a replacement Card is requested to be provided to you or an Additional Cardholder via a priority service within Australia or overseas.

 Limitations & Restrictions (Constraints)

• Min Limit of 500.00