G&C Mutual Bank credit cards

G&C Mutual Bank
G&C Mutual Bank's overall rating for credit cards

(as rated by the Mozo community)

10.0 / 10

based on 1 reviews

G&C Mutual Bank is member-owned and was also the winner of a Mozo Experts Choice Award for best low rate credit card in 2015. So if you’re after a new piece of plastic for your wallet, look no further! Check out the great options on offer from G&C Mutual below:

Rates and fees verified as correct at 08 December, 2016. Other information correct at the time of writing.

What credit cards do G&C Mutual Bank offer?

Low rate credit cards Low rate credit cards

Do you tend to miss a payment or two, or carry a balance on your credit card? It’s not the end of the world, if you’ve got a low rate credit card from G&C Mutual Bank in your pocket. This card offers great rates and a competitive annual fee, so you’ll never pay too much for your spend again!

Product Purchase rate Balance transfer rate Annual fees Interest free days

9.49% p.a.

0% p.a. for 12 months and then 15.49% p.a.

$50 $0 in the first 1 year

50


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Low fee credit cards Low fee credit cards

Product Purchase rate Balance transfer rate Annual fees Interest free days

9.49% p.a.

0% p.a. for 12 months and then 15.49% p.a.

$50 $0 in the first 1 year

50


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Rewards credit cards Rewards credit cards

Ready to rack up some serious rewards points? With the rewards card option from G&C Mutual, you'll have a stack of rewards points before you know it - just remember to budget for the hefty annual fee and steep purchase rate!

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Visa, uncapped

18.74% p.a.

0% p.a. for 12 months and then 19.74% p.a.

$249 $0 in the first 1 year


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Prestige cards Prestige cards

Do you whip out your credit card with rewards and freebies in mind? Then you’ll want to check out a premium credit card from G&C Mutual Bank. Although there’s a hefty annual fee and interest rate to contend with, it’s not the most unreasonable premium price tag around, and if you love the perks of a fancy piece of plastic, this one may be for you.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Visa, uncapped

18.74% p.a.

0% p.a. for 12 months and then 19.74% p.a.

$249 $0 in the first 1 year


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Frequent flyer credit cards Frequent flyer credit cards

Set off on a world-wide adventure with this high-flying credit card from G&C Mutual. Look out for the hefty annual fee, and make sure you're spending enough that the points you earn will balance it out!

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Visa, uncapped

18.74% p.a.

0% p.a. for 12 months and then 19.74% p.a.

$249 $0 in the first 1 year


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Frequently Asked Questions about G&C Mutual Bank credit cards

    What is the interest free period on my G&C Mutual Bank credit card?

    What fees might I be charged?

    What’s the minimum repayment amount I must make?

    What rewards will I earn with my G&C Mutual Bank credit card?

    What insurance cover is available for my G&C Mutual Bank credit card?

    Can I use my G&C Mutual Bank credit card for a balance transfer?

    Will my G&C Mutual Bank credit card work anywhere in the world?

    Does that mean I can use payWave with my G&C Mutual Bank credit card?

    What can I do to avoid credit card fraud

How are G&C Mutual Bank credit cards rated?

Mozo users have rated G&C Mutual Bank credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

G&C Mutual Bank credit cards

Overall 10.0*

Price

Features

Customer service

Convenience

Trust

1 Reviews

* Overall rating based on reviews in the past 12 months.

Recent G&C Mutual Bank credit card reviews Recent G&C Mutual Bank credit card reviews

G&C Mutual Bank

G&C Mutual Bank credit card review

Overall rating   10 / 10

Tops at all functions, as I have required

I joined this Credit Union 27/5/1993. We do not have a branch anywhere near Armidale, yet every request can be carried out without any hassles what so ever, by phone or Email. Also was involved with scammers over seas and they informed me of the...

Full review

I joined this Credit Union 27/5/1993. We do not have a branch anywhere near Armidale, yet every request can be carried out without any hassles what so ever, by phone or Email. Also was involved with scammers over seas and they informed me of the scammers' intentions, and so saved me lots of money. Cannot speak highly enough of the staff and the Credit Union.

    Price   9 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Allan (NSW), reviewed over 2 years ago

G&C Mutual Bank

G&C Mutual Bank credit card review

Overall rating   6 / 10

Low rates and not soul less

My credit card with this bank has lower than average interest rates but lacks options such as frequent flyer points system. It feels good also to support a group that is not part of the big four.

Full review

My credit card with this bank has lower than average interest rates but lacks options such as frequent flyer points system. It feels good also to support a group that is not part of the big four.

    Price   6 / 10

    Features   3 / 10

    Customer service   6 / 10

    Convenience   7 / 10

    Trust   5 / 10

Less

Mozo reviewer (VIC), reviewed over 3 years ago

G&C Mutual Bank

G&C Mutual Bank credit card review

Overall rating   10 / 10

Always there for me when I need them

I have found SGE to be honest and fair and always helpful that is why I like them.

Full review

I have found SGE to be honest and fair and always helpful that is why I like them.

    Price   10 / 10

    Features   -1 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Mozo reviewer (NSW), reviewed over 3 years ago

G&C Mutual Bank

G&C Mutual Bank credit card review

Overall rating   8 / 10

From personal experience I have distrusted banks since they removed the loyalty factor with longtime customers. This was about forty five years ago. I have been with credit unions since then. They do not appear to be so greedy and they emanate a...

Full review

From personal experience I have distrusted banks since they removed the loyalty factor with longtime customers. This was about forty five years ago. I have been with credit unions since then. They do not appear to be so greedy and they emanate a trustworthy feeling. Whether or not they really give better service I don't know but they seem more personal whereas banks feel cold, hard, and impersonal. I have no complaints with my Credit Union (SGE) at the moment it suits my needs, so I'll stay with it.

    Price   -1 / 10

    Features   5 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Jim (NSW), reviewed over 5 years ago

G&C Mutual Bank

G&C Mutual Bank credit card review

Overall rating   8 / 10

I was looking for the best cash back credit card and stumbled upon the SGE gold visa credit card. It is slightly different offering as you get a seperate card which is populated with $1 every $100 spent on the credit card. this companion card can...

Full review

I was looking for the best cash back credit card and stumbled upon the SGE gold visa credit card. It is slightly different offering as you get a seperate card which is populated with $1 every $100 spent on the credit card. this companion card can be used at any eftpos. The annual fee is $100... a little high but comes with the standard gold card features and and an additional credit card and companion card for a partner. for my spending habits ($50000 a year, paid off in full each month) i get $500 back minus $100 annual fee =$400 profit :)

    Price   5 / 10

    Features   9 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   5 / 10

Less

Mozo reviewer (SA), reviewed over 6 years ago

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

What do you need to apply for a G&C Mutual Bank credit card? What do you need to apply for a G&C Mutual Bank credit card?

To apply for a G&C Mutual Bank credit card, you can call G&C, apply online, download a form and then post it in, or visit a branch. When you do so, you can make the process go quicker and smoother by having a few details on hand, including:

  • Your personal details - name, age (over 18), phone number and address
  • Employment details - where do you work, your income
  • Financial details - assets, debts, living expenses
  • I.D - you’ll usually need to provide photo I.D., such as a driver’s licence or passport

Need more information on applying for a credit card? Check out our handy guide.

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