G&C Mutual Bank Low Rate Visa Credit Card

7.49% p.a.

No current offer

$50

n/a

G&C Mutual Bank Low Rate Visa Credit Card

7.49% p.a.

No current offer

$50

n/a

Mozo Review   G&C Mutual Bank Low Rate Visa Credit Card Review

Last updated: 21 October 2019.

What's hot:
  • Low 7.49% purchase rate

  • 2019 Mozo Experts Choice Award winner

  • 50 interest free days

What's not:
  • 15.49% cash advance rate

Mozo snapshot:

With one of the lowest ongoing purchase rates on the market at 7.49%, there’s a reason our experts named the G&C Mutual Bank Low Rate Visa Credit Card a 2019 Mozo Experts Choice Award winner for best Low Rate Credit Card. Add to that the very reasonable $50 annual fee, plus 50 interest free days, and this could really be the perfect card to help you cut down on expenses.

Key features:

Do you usually carry a balance on your card from month to month? Well the G&C Mutual Bank Low Rate Visa credit card could help you cut down on the interest you pay with a purchase rate of just 7.49%.

The card also features a $50 annual fee, and provides up to 50 interest free days for cardholders who pay off their balances in full.

Want to take your G&C Mutual Bank Low Rate Visa credit card on your next holiday? As part of the Visa network you’ll be able to use your card anywhere in the world that Visa is accepted, just keep an eye on the 3.00% foreign exchange margin.

Who it's good for:

If you tend to carry a balance, the G&C Mutual Bank Low Rate Visa credit card’s low purchase rate and competitive annual fee could help you seriously cut down on your expenses.

Any catches?

Just remember that while the Low Rate Visa credit card offers a low 7.49% purchase rate, cash advances using the card could hurt your back pocket given the 15.49% cash advance rate. 

Details

Rates and fees information correct as at 8 April 2020 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 7.49% p.a.

  • none

  • No current offer

  • none

  • 15.49% p.a.

  • 50

Fees
  • $50.00

  • none

  • none

  • none

  • $15.00

  • $5

  • 3.00%

  • $10.00

  • $30.00

  • none

Features
  • $20.00

  • 3.0

  • yes

  • none

Customer Reviews

How are G&C Mutual Bank credit cards rated by the Mozo community?

Overall customer rating
7.9/10
Price
6.9/10
Features
6.1/10
Customer service
7.8/10
Convenience
7.7/10
Trust
8.1/10

Latest review of G&C Mutual Bank Low Rate Visa Credit Card

  • Overall 3/10
    Rewards.

    No rewards, website isn't the best compared to other major banks. Credit card is blocked after being 3 days over a payment.

    Read full review

    No rewards, website isn't the best compared to other major banks. Credit card is blocked after being 3 days over a payment.

    Price
    3/10
    Features
    0/10
    Customer service
    2/10
    Convenience
    2/10
    Trust
    3/10
    Less
    Rhiannon, Queensland reviewed 5 months ago
G&C Mutual Bank

About G&C Mutual Bank

Operating for over 55 years, G&C Mutual Bank is owned by its members, which means they pass profits back to customers in the form of competitive interest rates on its products and deliver superior financial solutions to consumers. G&C Mutual Bank offers a full suite of financial solutions including home loans, investment loans, personal loans and credit cards to its members. It also has everyday banking products such as savings accounts and transaction accounts that can help with short and long term savings goals.

See G&C Mutual Bank credit cards

Promoted

American Express

American Express

Qantas Ultimate Card

20.74% p.a.

No current offer

$450

Qantas Frequent Flyer

Promoted

ING

ING

Orange One Credit Card

11.99% p.a.

No current offer

$0

Promoted

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 18 months and then 21.74% p.a.

$49 $0 in the first year

Promoted

American Express

American Express

Qantas Discovery Card

20.74% p.a.

No current offer

$0

Qantas Frequent Flyer

Promoted

Heritage Bank

Heritage Bank

Gold Low Rate

10.80% p.a.

No current offer

$0

Promoted

ING

ING

Orange One Platinum Credit Card

16.99% p.a.

No current offer

$149

Cashback Rewards

Promoted

Bankwest

Bankwest

Zero Platinum Mastercard

17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

$0

Promoted

American Express

American Express

Velocity Escape Card

20.74% p.a.

No current offer

$0

Velocity Frequent Flyer

Promoted

American Express

American Express

Qantas Ultimate Card

Qantas Frequent Flyer

$450

100,000

1.25 points uncapped

Promoted

CUA

CUA

Platinum Credit Card

Life Rich Rewards

$149 $0 in the first year

No current offer

1 point up to 100,000 points/year

Promoted

ING

ING

Orange One Platinum Credit Card

Cashback Rewards

$149

No current offer

1 point up to $3,000/month

Promoted

American Express

American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

Promoted

Heritage Bank

Heritage Bank

Platinum

Heritage Credits

$125 $0 when you spend over $35,000 p.a

No current offer

0.002 points uncapped

Promoted

American Express

American Express

Velocity Platinum Card

Velocity Frequent Flyer

$375

50,000

1.25 points uncapped

Promoted

American Express

American Express

Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

Promoted

American Express

American Express

Explorer Credit Card

Membership Rewards

$395

50,000

2 points uncapped

Promoted

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 18 months and then 21.74% p.a.

$49 $0 in the first year

Promoted

Bankwest

Bankwest

Zero Platinum Mastercard

17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

$0

Promoted

Bank First

Bank First

Visa Classic Credit Card

0% p.a. for 6 months then 12.54% p.a.

0% p.a. for 6 months and then 12.54% p.a.

$0

Promoted

Suncorp

Suncorp

Clear Options Platinum

0% p.a. for 14 months then 20.74% p.a.

0% p.a. for 14 months and then 21.99% p.a.

$129 $49 in the first year

Suncorp Rewards

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 14 months then 20.74% p.a.

0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year

Velocity Frequent Flyer

Promoted

Credit Union SA

Credit Union SA

Education Community Credit Card

0% p.a. for 6 months then 9.99% p.a.

0% p.a. for 6 months and then 9.99% p.a.

$0

Promoted

ING

ING

Orange One Credit Card

11.99% p.a.

No current offer

$0

Promoted

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 18 months and then 21.74% p.a.

$49 $0 in the first year

Promoted

Heritage Bank

Heritage Bank

Gold Low Rate

10.80% p.a.

No current offer

$0

Promoted

Credit Union SA

Credit Union SA

Education Community Credit Card

0% p.a. for 6 months then 9.99% p.a.

0% p.a. for 6 months and then 9.99% p.a.

$0

Promoted

Bendigo Bank

Bendigo Bank

Low Rate Mastercard

11.99% p.a.

0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)

$45

Promoted

Credit Union SA

Credit Union SA

Visa Credit Card

10.49% p.a.

0% p.a. for 6 months and then 10.49% p.a.

$39

Promoted

Bendigo Bank

Bendigo Bank

Low Rate Platinum Mastercard

11.99% p.a.

0% p.a. for 6 months and then 11.99% p.a.

$89

Promoted

Credit Union SA

Credit Union SA

Education Community Credit Card

0% p.a. for 6 months then 9.99% p.a.

0% p.a. for 6 months and then 9.99% p.a.

$0

Promoted

Bank First

Bank First

Visa Classic Credit Card

0% p.a. for 6 months then 12.54% p.a.

0% p.a. for 6 months and then 12.54% p.a.

$0

Promoted

Suncorp

Suncorp

Clear Options Platinum

0% p.a. for 14 months then 20.74% p.a.

0% p.a. for 14 months and then 21.99% p.a.

$129 $49 in the first year

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 14 months then 20.74% p.a.

0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year

Promoted

St.George

St.George

Rainbow Platinum Vertigo

0% p.a. for 15 months then 12.99% p.a.

No current offer

$99 $49 in the first year