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: There is no Annual Fee payable for the first year after you enter into your Agreement. An Annual Fee will be charged to your Account on the statement after the first anniversary of you entering into the Agreement 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