Did you think we were joking?
Greater Bank’s one credit card offering is a low rate option designed to keep spending simple. No matter how you spend, this card is easy to use and competitive from almost any angle. The only thing that may have some serious shoppers hesitate is that there’s no bells and whistles here - if earning rewards and cashing in on freebies is your game, better look elsewhere.
Product | Purchase rate | Balance transfer rate | Annual fees | Interest free days on purchases |
---|---|---|---|---|
9.95% p.a. |
No current offer |
$49 $0 when you spend over $12,000 p.a |
55 |
This credit card wouldn't be a true budget beater without a low annual fee to match the rock-bottom interest rate. If you're after an affordable addition to a frugal wallet, you cant go past Greater Bank's low fee credit card offering.
Product | Purchase rate | Balance transfer rate | Annual fees | Interest free days on purchases |
---|---|---|---|---|
9.95% p.a. |
No current offer |
$49 $0 when you spend over $12,000 p.a |
55 |
You’ll get a leisurely 55 day interest free period to pay off purchases made with your Greater Bank credit card.
The Greater Bank credit card is a low fee offering, so the annual fee is not a huge hurdle, but there are a few other fees to be aware of, including foreign exchange and additional cardholder fees.
If you want to take advantage of a great balance transfer deal to help you manage your credit card balance, then you can apply to do so with your Greater Bank credit card. You’ll have to talk to a Greater representative to set the balance transfer up, and remember that when you apply, you’ll need a recent copy of a credit card statement showing the balance you want to transfer.
This credit card is a low maintenance option - and as such, it’s stress-free, but also comes without many of the added bonuses you might enjoy with other cards, including a rewards program. You won’t earn points at all - so if you’re after those frequent flyer miles you’ll have to look elsewhere.
Absolutely! Greater Bank’s credit card works on the VISA network, which will allow you to use payWave as a convenient way to pay for purchases under $100.
You can also sign up for VISA Checkout, which streamlines your online payments so all your details are saved across your devices. It makes online shopping even quicker and easier - although that could be a bad thing for some of the shopaholics out there!
Another good thing about the VISA network is that it’s accepted in hundreds of places all over the world - which means so is your Greater Bank credit card. But keep in mind the foreign transaction fees you may wind up paying if you flash the plastic overseas, and consider opting for other travel money solutions, like a prepaid travel card.
Greater Bank’s credit card is an option offering simplicity and ease of use. Unfortunately, this means it lacks a lot of the perks of other credit cards, including complimentary insurances, like travel insurance, purchase protection and extended warranty. If these are important to you when choosing a credit card, you may have to look elsewhere.
Your first step should always be to let Greater Bank know as soon as you realise your credit card is lost or stolen.
To prevent credit card fraud you should practice safe credit card use, which includes not writing your PIN down or giving it to anyone else, being wary of where and when you use your card and checking over statements for transactions you don’t remember making. You can also minimise risk by using Verified by VISA when shopping online.
Mozo users have rated Greater Bank credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
The interest rate on the card is very good compared to other banks, however there are no reward systems in pkace
Read full reviewThe interest rate on the card is very good compared to other banks, however there are no reward systems in pkace
Worst fraud prevention squad in the whole of the country
Read full reviewWorst fraud prevention squad in the whole of the country
I love Greater Bank and their customer service.
Read full reviewI love Greater Bank and their customer service.
They've always been helpful & always walked me the through the answers to my questions.
Read full reviewThey've always been helpful & always walked me the through the answers to my questions.
They have always been so helpful and good about everything.
Read full reviewThey have always been so helpful and good about everything.
Simplicity has been the key factor in Greater Bank’s approach to credit cards so far, and applying is no different.
There are a few basic things you can’t get around when applying for a Greater Bank credit card. You’ll have to:
You also need to have some documentation when you apply, including:
Then, you can either pop into a Greater Bank branch or complete an application online.