Low Rate Credit Card card image

Great Southern Bank Low Rate Credit Card

Advertiser disclosure
Purchase rate
11.99% p.a.
Balance transfer rate
No current offer
Annual fees
$49 $0 in the first year
Interest free days on purchases
55

Mozo editorial review Great Southern Bank Low Rate Credit Card - last updated: 1 December 2022

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What's hot
  • 2022 Mozo Experts Choice Award winner
  • Low 11.99% purchase rate
  • $0 annual fee in the first year ($49 after)
What's not
  • High 21.74% cash advance rate
Mozo snapshot

The Great Southern Bank Low Rate Credit Card comes with all the main features you’d want in a budget friendly credit card: a low 11.99% purchase rate and 55 interest free days. Add in the $0 annual fee in the first year ($49 after) and the 9 additional card holders you can have and the one of only things you really need to watch out for is the 21.74% cash advance rate.

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Key features

Low interest rate. Sound good right? That’s because it is. With only a 11.99% purchase rate, you’ll be able to spend freely on Great Southern Bank’s Low Rate credit card, knowing you won’t break the bank with massive interest payments, even if you do miss a monthly repayment or two.

Plus with the $0 annual fee in the first year ($49 after) and up to 55 interest free days on purchases, you’ve got a bit of breathing room to get your finances in order and pay off your bill each month.

There are times when you might want to share a credit card account with a family member or partner to keep your finances simple. This card let’s you have up to 9 additional cardholders for free.

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Who is it good for

The Great Southern Bank Low Rate Credit Card is good for anyone who is looking to use a credit card for everyday purchases and crave the convenience of plastic, without all the bells and whistles.

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Any catches

While Mozo doesn’t suggest getting cash out on your credit card unless there is no other option, the 21.74% interest on cash withdrawals makes this something you should try extra hard to avoid.

Details

Rates and fees information correct as at 22 February 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

11.99% p.a.

none

No current offer

yes

21.74% p.a.

55

Fees

$49.00

$0 in the first year

none

none

$12.50

2.00%, Min $3.50

3.40%

$0.00

$20.00

$0.00

Features

$35.00

3.0

9

none

Payment options

Apple Pay, Google Wallet

Customer Reviews

How are Great Southern Bank credit cards rated by the Mozo community?

Overall
Price
Features
Customer service
Convenience
Trust

Latest reviews of Great Southern Bank Low Rate Credit Card

About Great Southern Bank

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23.99% p.a.

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10.99% p.a.

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23.99% p.a.

No current offer

$0

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Qantas Ultimate Card

Qantas Frequent Flyer

$450

100,000

1.25 points up to 100,000 points/year, then
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Qantas Rewards Premium Card

Qantas Frequent Flyer

$250 $150 in the first year

70,000

0.66 points up to $3,000/month, then
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Qantas Premium Card

Qantas Frequent Flyer

$249

20,000

1 point uncapped

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$295 $145 in the first year

160,000

1.25 points uncapped

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$0

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0.75 points uncapped

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Velocity Frequent Flyer

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0.75 points uncapped

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Qantas Rewards Signature Card

Qantas Frequent Flyer

$395 $295 in the first year

120,000

1 point up to $5,000/month, then
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$295 $150 in the first year

150,000

1.25 points uncapped

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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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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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Velocity Frequent Flyer

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19.99% p.a.

$100

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$59 $0 in the first year

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

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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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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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StraightUp Card

n/a

No current offer

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

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n0w Credit Card

n/a

No current offer

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

0% p.a. for 1 month and then 25.99% p.a.

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