Low Rate Visa Credit Card card image
Mini meca 2023

G&C Mutual Bank Low Rate Visa Credit Card

Advertiser disclosure
Purchase rate
7.49% p.a.
Balance transfer rate
No current offer
Annual fees
$50
Interest free days on purchases
50

Mozo editorial review G&C Mutual Bank Low Rate Visa Credit Card - last updated: 2 November 2023

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What's hot
  • Low 7.49% purchase rate
  • 2023 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 2023 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.

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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.

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Who is it 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.

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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 29 March 2024 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%

$0.00

$0.00

none

Features

$20.00

3.0

yes

none

Payment options

Apple Pay, Google Wallet, Samsung Pay

Customer Reviews

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

Overall
Price
Features
Customer service
Convenience
Trust

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

About G&C Mutual Bank

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G&C Mutual Bank

Platinum Visa Credit Card

19.99% p.a.

No current offer

$299

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Low Rate Card

13.49% p.a.

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

$59 $0 in the first year

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American Express

Platinum Edge Credit Card

23.99% p.a.

No current offer

$195 $0 in the first year

Membership Rewards

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G&C Mutual Bank

Platinum Visa Credit Card

19.99% p.a.

No current offer

$299

Qantas Frequent Flyer

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American Express

Qantas Ultimate Card

23.99% p.a.

No current offer

$450

Qantas Frequent Flyer

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American Express

Explorer Credit Card

23.99% p.a.

No current offer

$395

Membership Rewards

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American Express

Velocity Platinum Card

23.99% p.a.

No current offer

$375

Velocity Frequent Flyer

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American Express

Qantas Discovery Card

23.99% p.a.

No current offer

$0

Qantas Frequent Flyer

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American Express

Low Rate Credit Card

10.99% p.a.

No current offer

$0

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American Express

Qantas Ultimate Card

Qantas Frequent Flyer

$450

100,000

1.25 points up to 100,000 points/year, then
1 point uncapped

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G&C Mutual Bank

Platinum Visa Credit Card

Qantas Frequent Flyer

$299

50,000

1 point up to 20,000 points/month

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NAB

Qantas Rewards Premium Card

Qantas Frequent Flyer

$250 $150 in the first year

70,000

0.66 points up to $3,000/month, then
0.33 points up to $6,000/month

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American Express

Qantas Premium Card

Qantas Frequent Flyer

$249

20,000

1 point uncapped

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NAB

Rewards Signature Card

NAB Rewards

$295 $145 in the first year

160,000

1.25 points uncapped

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American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

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American Express

Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

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NAB

Qantas Rewards Signature Card

Qantas Frequent Flyer

$395 $295 in the first year

120,000

1 point up to $5,000/month, then
0.5 points up to $20,000/month

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NAB

Low Rate Card

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

13.49% p.a.

$59 $0 in the first year

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Citi

Premier Credit Card

0% p.a. for 6 months and then 22.24% p.a.

21.49% p.a.

$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year

Citi Rewards Program

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Bank of Queensland

Blue Visa Credit Card

0% p.a. for 9 months and then 21.74% p.a.

0% p.a. for 9 months then 20.74% p.a.

$60

Q Rewards

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Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0% p.a. for 24 months and then 20.99% p.a.

20.74% p.a.

$149 $0 in the first year

Velocity Frequent Flyer

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Bankwest

More Mastercard

0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)

19.99% p.a.

$100

Bankwest More Rewards

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NAB

Low Rate Card

13.49% p.a.

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

$59 $0 in the first year

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American Express

Low Rate Credit Card

10.99% p.a.

No current offer

$0

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HSBC

Low Rate Credit Card

12.99% p.a.

0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee)

$99

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Australian Unity

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9.90% p.a.

No current offer

$59

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Low Rate Credit Card

8.99% p.a.

0% p.a. for 6 months and then 8.99% p.a.

$59 $0 in the first year

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Bank of Queensland

Blue Visa Credit Card

0% p.a. for 9 months then 20.74% p.a.

0% p.a. for 9 months and then 21.74% p.a.

$60

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Westpac

Flex Card

0% p.a.

No current offer

$120 $10 monthly fee waived if the outstanding balance on the previous statement is paid in full by the due date.

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NAB

StraightUp Card

n/a

No current offer

$240 $20/month - waived if no spend & no balance owing

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Community First Bank

n0w Credit Card

n/a

No current offer

$228 Monthly fee is waived if account has a $0 balance and if card isn't used during the calendar month.

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humm90

Platinum Mastercard

0% p.a. for 3 months then 25.80% p.a.

0% p.a. for 18 months and then 25.99% p.a. Use code BTMARACQ upon applying. to receive 0%pa on balance transfers for 18 months.

$99

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