Our award-winning Low Rate Visa Credit Card features one of the lowest ongoing purchase rates in the market. And with up to 50 days interest free and a low annual fee, it all adds up to great value.
Category: Credit and Charge Cards Last Updated November 21, 2021 Effective May 3, 2024
General Lending Rates
Rates listed below are for a product. Additional Information
Interest Rate NA PA
Comparison Rate NAPA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
, PURCHASE, 7.49%
Lending Rate Type: Purchase
Interest Rate: 7.49%, Comparison Rate 0.00%
Repayment Type:
Loan Purpose:
Product Features
Card AccessAdditional Information: Our Visa Credit Card offers quick, secure and convenient access to your money in person, online, overseas and over the phone. Enjoy the convenience of paying directly from your account, with all of the security you'd expect from Visa.
Additional CardsAdditional Information: No fees for additional cardholders
Unlimited TxnsAdditional Information: Unlimited electronic transactions available on your account
Free TxnsAdditional Information: Unlimited free electronic transactions available on your account
Interest Free
Npp PayidAdditional Information: Get faster payments between participating banks, anytime with a Pay ID
Npp Enabled
OtherAdditional Information: Securely lock your debit card in the GCMB App while you look for it and unlock it again when you find it
Product Eligibility
Min Age - 18.
Residency Status - Permanent Resident. Additional Information: You must be an Australian resident
Natural Person
Bank Fees and Charges
Visa Credit Card Fee (Event), Amount: 15.00. Additional Information: A fee charged for any replacement credit card
Visa Credit Card Priority Fee (Event), Amount: 35.00. Additional Information: A fee charged if you require your replacement card sent by priority or overseas
Visa Credit Cash Advance Fee (Transaction), Amount: 5.00. Additional Information: A fee charged for cash advances and overseas transactions will attract an additional currency conversion fee
Emergency Cash/card Visa Credit (Event), Amount: 0.00. Additional Information: Third party fee charged when you need an emergency replacement card delivered to you
Annual Credit Card Fee - Low Rate (Periodic), Amount: 50.00. Additional Information: An annual fee charged for Low Rate Visa Credit Card product
Credit Card Statement Fee - Gcmb (Periodic), Amount: 2.00. Additional Information: A fee charged to cover the cost of producing and sending paper statements
Direct Debit Dishonour Fee (Transaction), Amount: 20.00. Additional Information: A fee charged when you have insufficient funds in your account and we are unable to honour the transaction for you
Late Payment Fee (Event), Amount: 15.00. Additional Information: A fee charged when you don't make your minimum monthly payment, plus any overdue amount
