Low Rate Credit Card | Great Southern Bank

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main-menu_primary-item-quicklink--with-image mb-3 mt-2" id="menu_DigitalBanking5mobile383948"><a class="d-flex align-center ph-2 pv-3 pv-1-md border-neutral-300 box-rad-8 bg-purewhite" href="/digital-banking" ><div class="main-menu_primary-item-quicklink--with-image-text direction-row align-center flex-1"> <div>Digital Banking</div> <div class="icon-css icon-arrow-heritageteal icon-size-2 main-menu_primary-item-quicklink--with-image-icon"></div> </div><img class="main-menu_primary-item-quicklink__image flex-1 lazyload" data-src="https://www.greatsouthernbank.com.au/__data/assets/image/0029/507926/phone-menu.png" /></a></div> </div> <div class="main-menu_primary-item-promo-wrap d-none-menu-mobile"><div class="main-menu_primary-item-promo-bg"><div class="main-menu_primary-item-promo-gradient"></div><div class="main-menu_primary-item-promo" id="menu_Comparesavingsaccounts70"><div class="main-menu_primary-item-promo-container"><div class="main-menu_primary-item-promo-heading">Compare 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Compare rates, features and account purpose here.</div><a class="main-menu_primary-item-promo-absolute-link sr-only" href="/banking/savings-accounts/compare" >Compare savings accounts</a><div class="main-menu_primary-item-promo-link" id="menu_Comparesavingsaccounts40"><a href="/banking/savings-accounts/compare" >Compare now</a></div></div></div></div></div> </div> </div> <div class="main-menu_primary-item-featured-links bg-neutral-100 pv-3-lg d-flex-lg align-center"> <div class="main-menu_primary-item-featured-links__inner"> <div class="main-menu_primary-item-featured-links__title headline-5-regular headline-6-regular-md color-deepocean">Explore features</div> <a class="d-flex justify-between color-night main-menu_primary-item-featured-links__item" title="Digital wallets" href="https://www.greatsouthernbank.com.au/digital-banking/digital-wallet"> <span class="main-menu_primary-item-featured-links__item-text headline-6">Digital wallets</span> <div class="d-none-menu-desktop icon-css icon-arrow-heritageteal icon-size-2"></div> </a> <a class="d-flex justify-between color-night main-menu_primary-item-featured-links__item" title="The Vault" href="https://www.greatsouthernbank.com.au/digital-banking/the-vault"> <span class="main-menu_primary-item-featured-links__item-text headline-6">The Vault</span> <div class="d-none-menu-desktop icon-css icon-arrow-heritageteal icon-size-2"></div> </a> <a class="d-flex justify-between color-night main-menu_primary-item-featured-links__item" title="The Boost" href="https://www.greatsouthernbank.com.au/digital-banking/the-boost"> <span class="main-menu_primary-item-featured-links__item-text headline-6">The Boost</span> <div class="d-none-menu-desktop icon-css icon-arrow-heritageteal icon-size-2"></div> </a> <a class="d-flex justify-between color-night main-menu_primary-item-featured-links__item" title="Card controls" href="https://www.greatsouthernbank.com.au/digital-banking/card-controls"> <span> <span class="main-menu_primary-item-featured-links__item-text headline-6">Card controls</span> <div class="badge badge-sm badge-solid-feature ml-1">New</div> </span> <div class="d-none-menu-desktop icon-css icon-arrow-heritageteal icon-size-2"></div> </a> </div> </div><div class="main-menu_primary-item-promo-wrap d-none-menu-desktop"><div class="main-menu_primary-item-promo-bg"><div class="main-menu_primary-item-promo-gradient"></div><div class="main-menu_primary-item-promo" id="menu_Comparesavingsaccounts71"><div class="main-menu_primary-item-promo-container"><div class="main-menu_primary-item-promo-heading">Compare savings accounts</div><div class="main-menu_primary-item-promo-copy">Unsure which savings account to choose? Compare rates, features and account purpose here.</div><a class="main-menu_primary-item-promo-absolute-link sr-only" href="/banking/savings-accounts/compare" >Compare savings accounts</a><div class="main-menu_primary-item-promo-link" id="menu_Comparesavingsaccounts41"><a href="/banking/savings-accounts/compare" >Compare now</a></div></div></div></div></div> </div> </div> <div class="main-menu_primary-item"> <div class="main-menu_primary-item-title"> <div class="main-menu_primary-item-title-text">Credit Cards</div> </div> <div class="main-menu_primary-item-content box-rad-bl-24-lg box-rad-br-24-lg"> <div class="main-menu_primary-item-content-inner"> <div class="main-menu_primary-item-content-intro"> <div class="main-menu_primary-item-back-mobile"> Back </div> <div class="main-menu_primary-item-content-heading">Credit Cards</div> <div class="main-menu_primary-item-content-blurb"> Give yourself breathing room for when unexpected stuff happens. </div> <div class="main-menu_primary-item-content-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Applyonline6desktopa381488actionapply"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="https://www.greatsouthernbank.com.au/credit-cards?action=apply" >Apply online</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Creditcardglossary6desktop479844"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/credit-cards/credit-card-glossary" >Credit card glossary</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_CreditcardFAQs6desktop500481"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/help-and-contact/support/faqs/credit-cards" >Credit card FAQs</a></div> </div> </div> <div class="main-menu_primary-item-main"> <div class="main-menu_primary-item-sections main-menu_primary-item-group main-menu-type2"> <div class="main-menu_primary-item-group-heading main-menu-type2_heading generic-accordion--active" data-generic-accordion="title">Credit Cards</div> <div class="main-menu_primary-item-group-list main-menu-type2_group generic-accordion--active generic-accordion--finished" data-generic-accordion="content"> <div class="main-menu-type2_section"> <div class="main-menu-type2_item" id="menu_LowRateCreditCard8"> <div class="main-menu-type2_item-image main-menu-type2_item-image--single"> <a class="main-menu-type2_item-link" href="/credit-cards/low-rate" > <div class="main-menu-type2_item-thumbnail"><img data-src="https://www.greatsouthernbank.com.au/__data/assets/image/0027/478035/card-mastercard-low-rate-mega-menu.webp" alt="Low Rate Credit Card" class="lazyload" /></div> </a> </div> <a href="/credit-cards/low-rate" class="main-menu-type2_item-title">Low Rate Credit Card</a> <div class="main-menu-type2_item-learn"> <a href="/credit-cards/low-rate" >Learn more</a> </div> </div> </div> </div> </div> <div class="main-menu_primary-item-mobile-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Applyonline6mobilea381488actionapply"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="https://www.greatsouthernbank.com.au/credit-cards?action=apply" >Apply online</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Creditcardglossary6mobile479844"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/credit-cards/credit-card-glossary" >Credit card glossary</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_CreditcardFAQs6mobile500481"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/help-and-contact/support/faqs/credit-cards" >Credit card FAQs</a></div> </div> <div class="main-menu_primary-item-promo-wrap "><div class="main-menu_primary-item-promo-bg main-menu_primary-item-promo-wrap--with-image"> <div class="lazyload main-menu_primary-item-promo-image" data-sizes="auto" data-bgset=" https://www.greatsouthernbank.com.au/__data/assets/image/0026/500885/varieties/img-xs.webp [(max-width: 1200px)] | https://www.greatsouthernbank.com.au/__data/assets/image/0026/500885/varieties/img-sm.webp "></div><div class="main-menu_primary-item-promo" id="menu_Smartwaystouseacreditcard70"><div class="main-menu_primary-item-promo-container"><div class="main-menu_primary-item-promo-heading">Smart ways to use a credit card</div><div class="main-menu_primary-item-promo-copy">Learn how a credit card works and other handy tips before you apply.</div><a class="main-menu_primary-item-promo-absolute-link sr-only" href="/credit-cards/how-do-credit-cards-work" aria-label="Smart ways to use a credit card">Smart ways to use a credit card</a></div></div></div></div> </div> </div> </div> </div> <div class="main-menu_primary-item"> <div class="main-menu_primary-item-title"> <div class="main-menu_primary-item-title-text">Home Loans</div> </div> <div class="main-menu_primary-item-content box-rad-bl-24-lg box-rad-br-24-lg"> <div class="main-menu_primary-item-content-inner"> <div class="main-menu_primary-item-content-intro"> <div class="main-menu_primary-item-back-mobile"> Back </div> <div class="main-menu_primary-item-content-heading">Home Loans</div> <div class="main-menu_primary-item-content-blurb"> Find the right loan to make your home-owning dreams come true. </div> <div class="main-menu_primary-item-content-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_ApplyOnline6desktop465482"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/home-loans/home-loan-application" data-trigger-vars="hl-apply" >Apply Online</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Frequentlyaskedquestions6desktop397441"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/help-and-contact/support/faqs/home-loans" >Frequently asked questions</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_TheBoost6desktophttps:wwwgreatsouthernbankcomaudigital-bankingthe-boostintenthomeloans"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="https://www.greatsouthernbank.com.au/digital-banking/the-boost?intent=homeloans" >The Boost</a></div> </div> </div> <div class="main-menu_primary-item-main"> <div class="main-menu_primary-item-sections"> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading generic-accordion--active " data-generic-accordion="title" id="menu_HomeLoans1"><a href="/home-loans"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-products--home-loan"></use></svg>Home Loans</span></a></div><div class="main-menu_primary-item-group-list generic-accordion--active " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_HomeLoans2"><a href="/home-loans">See All Home Loans</a></div><div class="main-menu_primary-item-group-item" id="menu_BasicVariableHomeLoan3"><a href="/home-loans/basic-variable"><span>Basic Variable Home Loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_OffsetVariableHomeLoan3"><a href="/home-loans/offset-variable"><span>Offset Variable Home Loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_FixedRateHomeLoan3"><a href="/home-loans/fixed-rate"><span>Fixed Rate Home Loan</span></a></div></div></div></div><div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading generic-accordion--active " data-generic-accordion="title" id="menu_SupportSchemes1"><a href="/home-loans/home-guarantee-scheme"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-product--home-loan-owner-occupier"></use></svg>Support Schemes</span></a></div><div class="main-menu_primary-item-group-list generic-accordion--active " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_SupportSchemes2"><a href="/home-loans/home-guarantee-scheme">See All Support Schemes</a></div><div class="main-menu_primary-item-group-item" id="menu_FirstHomeGuarantee3"><a href="/home-loans/first-home-guarantee"><span>First Home Guarantee </span></a></div><div class="main-menu_primary-item-group-item" id="menu_FamilyHomeGuarantee3"><a href="/home-loans/family-home-guarantee"><span>Family Home Guarantee</span></a></div><div class="main-menu_primary-item-group-item" id="menu_RegionalFirstHomebrBuyerGuarantee3"><a href="/home-loans/regional-first-home-buyer-guarantee"><span>Regional First Home<br>Buyer Guarantee</span></a></div></div></div></div> </div> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_Calculators1"><a href="/home-loans/home-loan-calculators"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--calculator"></use></svg>Calculators</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_Calculators2"><a href="/home-loans/home-loan-calculators">See All Calculators</a></div><div class="main-menu_primary-item-group-item" id="menu_Borrowingpower3"><a href="https://research.application.greatsouthernbank.com.au/lara/borrowing-power" target="_blank" rel="noopener" ><span>Borrowing power</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Repayments3"><a href="/home-loans/home-loans-repayment-calculator"><span>Repayments</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Refinance3"><a href="/home-loans/refinance-calculator"><span>Refinance</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Loancomparison3"><a href="/home-loans/loan-comparison-calculator"><span>Loan comparison</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Stampduty3"><a href="/home-loans/stamp-duty-calculator"><span>Stamp duty</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Splitloan3"><a href="/home-loans/split-loan-calculator"><span>Split loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Rentvsbuy3"><a href="https://research.application.greatsouthernbank.com.au/lara/buy-or-rent" target="_blank" rel="noopener" ><span>Rent vs. buy</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Upfrontcosts3"><a href="/home-loans/upfront-costs-calculator"><span>Upfront costs</span></a></div></div></div></div> </div> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading generic-accordion--active " data-generic-accordion="title"><div class="main-menu_primary-item-group-heading-nolink">I am...</div></div><div class="main-menu_primary-item-group-list generic-accordion--active " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item" id="menu_Savingforadeposit3"><a href="/home-loans/saving-for-a-deposit"><span>Saving for a deposit</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Buyingmyfirsthome3"><a href="/home-loans/buying-your-first-home"><span>Buying my first home</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Buyingmynexthome3"><a href="/home-loans/buying-your-next-home"><span>Buying my next home</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Buyingorbuildingagreenhome3"><a href="/home-loans/green-home-offer"><span>Buying or building a green home</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Buildingmyhome3"><a href="/home-loans/building"><span>Building my home</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Refinancing3"><a href="/home-loans/refinance"><span>Refinancing</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Investing3"><a href="/home-loans/investing"><span>Investing</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Renovating3"><a href="/home-loans/renovating"><span>Renovating</span></a></div></div></div></div> </div> </div> <div class="main-menu_primary-item-mobile-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_ApplyOnline6mobile465482"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/home-loans/home-loan-application" data-trigger-vars="hl-apply" >Apply Online</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Frequentlyaskedquestions6mobile397441"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/help-and-contact/support/faqs/home-loans" >Frequently asked questions</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_TheBoost6mobilehttps:wwwgreatsouthernbankcomaudigital-bankingthe-boostintenthomeloans"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="https://www.greatsouthernbank.com.au/digital-banking/the-boost?intent=homeloans" >The Boost</a></div> </div> <div class="main-menu_primary-item-promo-wrap "><div class="main-menu_primary-item-promo-bg main-menu_primary-item-promo-wrap--with-image"> <div class="lazyload main-menu_primary-item-promo-image" data-sizes="auto" data-bgset=" https://www.greatsouthernbank.com.au/__data/assets/image/0035/446597/varieties/img-xs.jpg [(max-width: 1200px)] | https://www.greatsouthernbank.com.au/__data/assets/image/0035/446597/varieties/img-sm.jpg "></div><div class="main-menu_primary-item-promo" id="menu_FirstHomeGuarantee70"><div class="main-menu_primary-item-promo-container"><div class="main-menu_primary-item-promo-heading">First Home Guarantee</div><div class="main-menu_primary-item-promo-copy">Buy your first home with as little as 5% deposit. T&Cs apply.</div><a class="main-menu_primary-item-promo-absolute-link sr-only" href="/home-loans/first-home-guarantee" >First Home Guarantee</a><div class="main-menu_primary-item-promo-link" id="menu_FirstHomeGuarantee40"><a href="/home-loans/first-home-guarantee" >Learn more</a></div></div></div></div></div> </div> </div> </div> </div> <div class="main-menu_primary-item"> <div class="main-menu_primary-item-title"> <div class="main-menu_primary-item-title-text">Personal Loans</div> </div> <div class="main-menu_primary-item-content box-rad-bl-24-lg box-rad-br-24-lg"> <div class="main-menu_primary-item-content-inner"> <div class="main-menu_primary-item-content-intro"> <div class="main-menu_primary-item-back-mobile"> Back </div> <div class="main-menu_primary-item-content-heading">Personal Loans</div> <div class="main-menu_primary-item-content-blurb"> Whatever you need extra funds for, we can make it happen. </div> <div class="main-menu_primary-item-content-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Applyonline6desktopa384271modalapply-personal-loan"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="https://www.greatsouthernbank.com.au/personal-loans?modal=apply-personal-loan" >Apply online</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Frequentlyaskedquestions6desktop397449"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/help-and-contact/support/faqs/personal-loans" >Frequently asked questions</a></div> </div> </div> <div class="main-menu_primary-item-main"> <div class="main-menu_primary-item-sections"> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_PersonalLoans1"><a href="/personal-loans"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-products--personal-loan"></use></svg>Personal Loans</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_PersonalLoans2"><a href="/personal-loans">See All Personal Loans</a></div><div class="main-menu_primary-item-group-item" id="menu_UnsecuredFixedLoan3"><a href="/personal-loans/unsecured-fixed-rate"><span>Unsecured Fixed Loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_SecuredFixedCarLoan3"><a href="/personal-loans/secured-fixed-car-loan"><span>Secured Fixed Car Loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_UnsecuredGreenLoan3"><a href="/personal-loans/unsecured-green-personal-loan"><span>Unsecured Green Loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_GreenCarLoan3"><a href="/personal-loans/electric-car-loan"><span>Green Car Loan</span></a></div></div></div></div><div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_CarLoans1"><a href="/personal-loans/car-loan"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--car"></use></svg>Car Loans</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_CarLoans2"><a href="/personal-loans/car-loan">See All Car Loans</a></div><div class="main-menu_primary-item-group-item" id="menu_Usedcarloan3"><a href="/personal-loans/used-car-loans"><span>Used car loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Refinancecarloan3"><a href="/personal-loans/refinance-my-car-loan"><span>Refinance car loan</span></a></div></div></div></div> </div> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title"><div class="main-menu_primary-item-group-heading-nolink">I need a loan for...</div></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item" id="menu_Debtconsolidation3"><a href="/personal-loans/debt-consolidation"><span>Debt consolidation</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Renovations3"><a href="/personal-loans/home-renovation-loan"><span>Renovations</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Travel3"><a href="/personal-loans/travel-loan"><span>Travel</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Education3"><a href="/personal-loans/education"><span>Education</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Mywedding3"><a href="/personal-loans/wedding-loans"><span>My wedding</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Medical3"><a href="/personal-loans/medical-loans"><span>Medical</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Boat3"><a href="/personal-loans/boat-loans"><span>Boat</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Caravan3"><a href="/personal-loans/caravan-loans"><span>Caravan</span></a></div></div></div></div> </div> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title"><div class="main-menu_primary-item-group-heading-nolink">Calculators</div></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item" id="menu_Repaymentscalculator3"><a href="/personal-loans/personal-loans-repayment-calculator"><span>Repayments calculator</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Borrowingpowercalculator3"><a href="/personal-loans/personal-loans-borrowing-power-calculator"><span>Borrowing power calculator</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Carloancalculator3"><a href="/personal-loans/car-loan/car-loan-calculator"><span>Car loan calculator</span></a></div></div></div></div> </div> </div> <div class="main-menu_primary-item-mobile-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Applyonline6mobilea384271modalapply-personal-loan"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="https://www.greatsouthernbank.com.au/personal-loans?modal=apply-personal-loan" >Apply online</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Frequentlyaskedquestions6mobile397449"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/help-and-contact/support/faqs/personal-loans" >Frequently asked questions</a></div> </div> <div class="main-menu_primary-item-promo-wrap "><div class="main-menu_primary-item-promo-bg"><div class="main-menu_primary-item-promo-gradient"></div><div class="main-menu_primary-item-promo" id="menu_Comparepersonalloans70"><div class="main-menu_primary-item-promo-container"><div class="main-menu_primary-item-promo-heading">Compare personal loans</div><div class="main-menu_primary-item-promo-copy">Unsure which personal loan to choose? Compare rates, features, and loan purpose here.</div><a class="main-menu_primary-item-promo-absolute-link sr-only" href="/personal-loans/compare" aria-label="Compare Great Southern Bank personal loans rates, features and loan purpose here">Compare personal loans</a><div class="main-menu_primary-item-promo-link" id="menu_Comparepersonalloans40"><a href="/personal-loans/compare" aria-label="Compare Great Southern Bank personal loans rates, features and loan purpose here">Compare now</a></div></div></div></div></div> </div> </div> </div> </div> <div class="main-menu_primary-item"> <div class="main-menu_primary-item-title"> <div class="main-menu_primary-item-title-text">Business</div> </div> <div class="main-menu_primary-item-content box-rad-bl-24-lg box-rad-br-24-lg"> <div class="main-menu_primary-item-content-inner"> <div class="main-menu_primary-item-content-intro"> <div class="main-menu_primary-item-back-mobile"> Back </div> <div class="main-menu_primary-item-content-heading">Business</div> <div class="main-menu_primary-item-content-blurb"> Business banking built for smaller small businesses. </div> <div class="main-menu_primary-item-content-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Businessbanking6desktop394541"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/business-banking" >Business banking</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Businesshub6desktop507930"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/business-banking/business-hub" >Business hub</a></div> </div> </div> <div class="main-menu_primary-item-main"> <div class="main-menu_primary-item-sections"> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_Businessbankaccounts1"><a href="/business-banking/business-bank-accounts"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--business-banking"></use></svg>Business bank accounts</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_Businessbankaccounts2"><a href="/business-banking/business-bank-accounts">See All Business bank accounts</a></div><div class="main-menu_primary-item-group-item" id="menu_BusinessAccount3"><a href="/business-banking/business-bank-accounts/business-plus-account"><span>Business+ Account</span></a></div><div class="main-menu_primary-item-group-item" id="menu_BusinessSaver3"><a href="/business-banking/business-bank-accounts/business-plus-saver"><span>Business+ Saver</span></a></div><div class="main-menu_primary-item-group-item" id="menu_EverydayBusinessAccount3"><a href="/business-banking/business-bank-accounts/everyday-business-account"><span>Everyday Business Account</span></a></div></div></div></div><div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_Businessloansampfinance1"><a href="/business-banking/loans-finance"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--business-finance"></use></svg>Business loans & finance</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_Businessloansampfinance2"><a href="/business-banking/loans-finance">See All Business loans & finance</a></div><div class="main-menu_primary-item-group-item" id="menu_BusinessUnsecuredLoan3"><a href="/business-banking/loans-finance/business-plus-loan"><span>Business+ Unsecured Loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_BusinessUnsecuredOverdraft3"><a href="/business-banking/loans-finance/business-plus-overdraft"><span>Business+ Unsecured Overdraft</span></a></div><div class="main-menu_primary-item-group-item" id="menu_BusinessVehicleLoan3"><a href="/business-banking/loans-finance/business-plus-vehicle-loan"><span>Business+ Vehicle Loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_SecuredBusinessLoan3"><a href="/business-banking/loans-finance/secured-business-loan"><span>Secured Business Loan</span></a></div></div></div></div> </div> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_Businessdigitalbanking1"><a href="/business-banking/business-plus-digital-banking"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--business-banking"></use></svg>Business+ digital banking</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_Businessdigitalbanking2"><a href="/business-banking/business-plus-digital-banking">See All Business+ digital banking</a></div><div class="main-menu_primary-item-group-item" id="menu_BusinessInvoices3"><a href="/business-banking/business-plus-digital-banking/business-plus-invoices"><span>Business+ Invoices</span></a></div><div class="main-menu_primary-item-group-item" id="menu_DigitalWallets3"><a href="/digital-banking/digital-wallet"><span>Digital Wallets</span></a></div><div class="main-menu_primary-item-group-item" id="menu_BankFeeds3"><a href="/business-banking/business-hub/setting-up-bank-feeds-with-business-plus"><span>Bank Feeds</span></a></div></div></div></div> </div> </div> <div class="main-menu_primary-item-mobile-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Businessbanking6mobile394541"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/business-banking" >Business banking</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Businesshub6mobile507930"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/business-banking/business-hub" >Business hub</a></div> </div> <div class="main-menu_primary-item-promo-wrap "><div class="main-menu_primary-item-promo-bg main-menu_primary-item-promo-wrap--with-image"> <div class="lazyload main-menu_primary-item-promo-image" data-sizes="auto" data-bgset=" https://www.greatsouthernbank.com.au/__data/assets/image/0024/522753/varieties/img-xs.webp [(max-width: 1200px)] | https://www.greatsouthernbank.com.au/__data/assets/image/0024/522753/varieties/img-sm.webp "></div><div class="main-menu_primary-item-promo" id="menu_Comparebusinessloans70"><div class="main-menu_primary-item-promo-container"><div class="main-menu_primary-item-promo-heading">Compare business loans</div><div class="main-menu_primary-item-promo-copy">Find the right loan to grow your small business</div><a class="main-menu_primary-item-promo-absolute-link sr-only" href="/business-banking/loans-finance/compare" aria-label="Compare business loans">Compare business loans</a><div class="main-menu_primary-item-promo-link" id="menu_Comparebusinessloans40"><a href="/business-banking/loans-finance/compare" aria-label="Compare business loans">Compare now</a></div></div></div></div></div> </div> </div> </div> </div> <div class="main-menu_primary-item"> <div class="main-menu_primary-item-title"> <div class="main-menu_primary-item-title-text">Insurance</div> </div> <div class="main-menu_primary-item-content box-rad-bl-24-lg box-rad-br-24-lg"> <div class="main-menu_primary-item-content-inner"> <div class="main-menu_primary-item-content-intro"> <div class="main-menu_primary-item-back-mobile"> Back </div> <div class="main-menu_primary-item-content-heading">Insurance</div> <div class="main-menu_primary-item-content-blurb"> <div class="main-menu_primary-item-content-blurb-select select-bravo__wrap"> <div class="nice-select select-bravo select-bravo-sm ml-0 ml-05-lg" tabindex="0"><span class="current">Get a quote for...</span> <ul class="list"> <li id="mega-nav-quote-car" data-value="1" class="option selected focus"> <a class="paragraph-2 link-2a d-flex direction-row justify-between" rel="noopener" href="https://www.einsure.com.au/DSP/personal/web/motor/new?fi=CUA"><span class="color-neutral-900">Car</span> <div class="icon-css icon-external-heritageteal icon-size-2"></div> </a> </li> <li id="mega-nav-quote-home" data-value="2" class="option"> <a class="paragraph-2 link-2a d-flex direction-row justify-between" rel="noopener" href="https://www.einsure.com.au/DSP/personal/web/home/new?fi=CUA"><span class="color-neutral-900">Home</span> <div class="icon-css icon-external-heritageteal icon-size-2"></div> </a> </li> <li id="mega-nav-quote-landlord" data-value="3" class="option"> <a class="paragraph-2 link-2a d-flex direction-row justify-between" rel="noopener" href="https://www.einsure.com.au/DSP/personal/web/landlord/new?fi=CUA"><span class="color-neutral-900">Landlord</span> <div class="icon-css icon-external-heritageteal icon-size-2"></div> </a> </li> <li id="mega-nav-quote-caravantailer" data-value="4" class="option"> <a class="paragraph-2 link-2a d-flex direction-row justify-between" rel="noopener" href="https://www.einsure.com.au/DSP/personal/web/caravan/new?fi=CUA"><span class="color-neutral-900">Caravan & Trailer</span> <div class="icon-css icon-external-heritageteal icon-size-2"></div> </a> </li> <li id="mega-nav-quote-travel" data-value="5" class="option"> <a class="paragraph-2 link-2a d-flex direction-row justify-between" rel="noopener" href="https://www.greatsouthernbank.com.au/insurance/travel"><span class="color-neutral-900">Travel</span> <div class="icon-css icon-external-heritageteal icon-size-2"></div> </a> </li> <li id="mega-nav-quote-life" data-value="6" class="option"> <a class="paragraph-2 link-2a d-flex direction-row justify-between" rel="noopener" href="https://direct.zurich.com.au/greatsouthernbank?IntermediaryID=cua&ProductID=EZLU"><span class="color-neutral-900">Life</span> <div class="icon-css icon-external-heritageteal icon-size-2"></div> </a> </li> </ul> </div> </div> </div> <div class="main-menu_primary-item-content-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Exploreallinsurance6desktop389048"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/insurance" rel="noopener" id="mega-nav-all-insurance" >Explore all insurance</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Makeaclaim6desktophttps:wwwallianzcomauclaimshtml"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="https://www.allianz.com.au/claims.html" target="_blank" rel="noopener" id="mega-nav-claim" >Make a claim</a></div> </div> </div> <div class="main-menu_primary-item-main"> <div class="main-menu_primary-item-sections"> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_CarInsurance1"><a href="/insurance/car-insurance"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--car"></use></svg>Car Insurance</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_CarInsurance2"><a href="/insurance/car-insurance">See All Car Insurance</a></div><div class="main-menu_primary-item-group-item" id="menu_Comprehensive3"><a href="/insurance/car-insurance/comprehensive-car-insurance"><span>Comprehensive</span></a></div><div class="main-menu_primary-item-group-item" id="menu_ThirdParty3"><a href="/insurance/car-insurance/third-party-property-damage"><span>Third Party</span></a></div></div></div></div><div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_HomeInsurance1"><a href="/insurance/home-and-contents-insurance"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--home-contents"></use></svg>Home Insurance</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_HomeInsurance2"><a href="/insurance/home-and-contents-insurance">See All Home Insurance</a></div><div class="main-menu_primary-item-group-item" id="menu_HomeampContents3"><a href="/insurance/home-and-contents-insurance"><span>Home & Contents</span></a></div><div class="main-menu_primary-item-group-item" id="menu_BuildingOnly3"><a href="/insurance/home-and-contents-insurance"><span>Building Only</span></a></div><div class="main-menu_primary-item-group-item" id="menu_ContentsOnly3"><a href="/insurance/home-and-contents-insurance"><span>Contents Only</span></a></div></div></div></div> </div> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_LandlordInsurance1"><a href="/insurance/landlord-insurance"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-product--home-loan-investment"></use></svg>Landlord Insurance</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_LandlordInsurance2"><a href="/insurance/landlord-insurance">See All Landlord Insurance</a></div><div class="main-menu_primary-item-group-item" id="menu_BuildingandContents3"><a href="/insurance/landlord-insurance"><span>Building and Contents</span></a></div><div class="main-menu_primary-item-group-item" id="menu_BuildingOnly3"><a href="/insurance/landlord-insurance"><span>Building Only</span></a></div><div class="main-menu_primary-item-group-item" id="menu_ContentsOnly3"><a href="/insurance/landlord-insurance"><span>Contents Only</span></a></div></div></div></div><div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_CaravanandTrailerInsurance1"><a href="/insurance/caravan-and-trailer-insurance"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--caravan"></use></svg>Caravan and Trailer Insurance</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_CaravanandTrailerInsurance2"><a href="/insurance/caravan-and-trailer-insurance">See All Caravan and Trailer Insurance</a></div></div></div></div><div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_TravelInsurance1"><a href="/insurance/travel"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--plane"></use></svg>Travel Insurance</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_TravelInsurance2"><a href="/insurance/travel">See All Travel Insurance</a></div></div></div></div><div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_LifeInsurance1"><a href="/insurance/life-insurance"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--heart"></use></svg>Life Insurance</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_LifeInsurance2"><a href="/insurance/life-insurance">See All Life Insurance</a></div></div></div></div> </div> </div> <div class="main-menu_primary-item-mobile-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Exploreallinsurance6mobile389048"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/insurance" rel="noopener" id="mega-nav-all-insurance" >Explore all insurance</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Makeaclaim6mobilehttps:wwwallianzcomauclaimshtml"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="https://www.allianz.com.au/claims.html" target="_blank" rel="noopener" id="mega-nav-claim" >Make a claim</a></div> </div> <div class="main-menu_primary-item-promo-wrap "><div class="main-menu_primary-item-promo-bg"><div class="main-menu_primary-item-promo-gradient"></div><div class="main-menu_primary-item-promo" id="menu_Homeandcontentsinsurance70"><div class="main-menu_primary-item-promo-container"><div class="main-menu_primary-item-promo-heading">Home and contents insurance</div><div class="main-menu_primary-item-promo-copy">Insure the things you love and that make your house a home, with home and contents insurance.</div><a class="main-menu_primary-item-promo-absolute-link sr-only" href="/insurance/home-and-contents-insurance" aria-label="Learn more about Great Southern Bank home and contents insurance">Home and contents insurance</a><div class="main-menu_primary-item-promo-link" id="menu_Homeandcontentsinsurance40"><a href="/insurance/home-and-contents-insurance" aria-label="Learn more about Great Southern Bank home and contents insurance">Learn more</a></div></div></div></div></div> </div> </div> </div> </div> <div class="main-menu_primary-misc"> <div class="main-menu_primary-misc-inner top-border-gray"> <div class="main-menu_primary-misc-links"> <div class="main-menu_primary-misc-block"> <div class="main-menu_primary-misc-block-title" data-generic-accordion="title" data-generic-accordion-max="1199"> <a href="https://www.greatsouthernbank.com.au/about">About</a> </div> <div class="main-menu_primary-misc-block-content main-menu_primary-misc-block-content--about mt-1" data-generic-accordion="content"> <div class="main-menu_primary-misc-block-content-inner"> <div class="main-menu_primary-misc-block-content-listing"> <div class="main-menu_primary-misc-block-content-item"> <div class="main-menu_primary-misc-block-content-item-title" id="menu_Whychooseus"> <a href="/about">Why choose us</a> </div> </div> <div class="main-menu_primary-misc-block-content-item"> <div class="main-menu_primary-misc-block-content-item-title" id="menu_Sustainability"> <a href="/about/sustainability">Sustainability</a> </div> </div> <div class="main-menu_primary-misc-block-content-item"> <div class="main-menu_primary-misc-block-content-item-title" id="menu_Partnerships"> <a href="/about/partnerships">Partnerships</a> </div> </div> <div class="main-menu_primary-misc-block-content-item"> <div class="main-menu_primary-misc-block-content-item-title" id="menu_Debtinvestor"> <a href="/about/debt-investor-centre">Debt Investor</a> </div> </div> <div class="main-menu_primary-misc-block-content-item"> <div class="main-menu_primary-misc-block-content-item-title" id="menu_Governance"> <a href="/about/corporate-governance">Governance</a> </div> </div> <div class="main-menu_primary-misc-block-content-item"> <div class="main-menu_primary-misc-block-content-item-title" id="menu_Careers"> <a href="/about/careers">Careers</a> </div> </div> <div class="main-menu_primary-misc-block-content-item"> <div class="main-menu_primary-misc-block-content-item-title" id="menu_Blog"> <a href="/about/guide">Blog</a> </div> </div> <div class="main-menu_primary-misc-block-content-item"> <div class="main-menu_primary-misc-block-content-item-title" id="menu_Newsmedia"> <a 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autocomplete="off" data-search-focus/> <label for="collectionID" class="search-modal_input-label--hidden">Search the Great Southern Bank website</label> <input type="text" name="collection" id="collectionID" class="search-modal_input--hidden" value="gsb-web"> <input type="submit" class="search-modal_input--hidden" value="Search" /> </form> <div class="search-modal_popular-searches"> <div class="popular-searches_title">Popular Searches</div> <ul class="popular-searches_list"> <li class="popular-searches_list-item"><a href="https://ob.greatsouthernbank.com.au/">Login to online banking</a></li>  <li class="popular-searches_list-item"><a href="https://www.greatsouthernbank.com.au/help-and-contact">Contact us</a></li> <li class="popular-searches_list-item"><a href="https://www.greatsouthernbank.com.au/what-happens-when-fixed-home-loan-rate-expires">Fixed rate expiry</a></li> <li class="popular-searches_list-item"><a href="https://www.greatsouthernbank.com.au/help-and-contact/support/cheque">Cheque services</a></li> <li class="popular-searches_list-item popular-searches_list-item--bsb">BSB: 814 282</li> </ul> </div> <div class="search-modal_suggested-terms"> <ul class="suggested-terms_list"> </ul> </div> </div> </div> <div class="page_content normal-page_content layout-generic_content page-382765_content">   <div class="page_content-top normal-page_content-top layout-generic_content-top page-382765_content-top"> <div class="page_content-top-inner normal-page_content-top-inner layout-generic_content-top-inner page-382765_content-top-inner"> </div> </div> <div class="page_content-inner normal-page_content-inner layout-generic_content-inner page-382765_content-inner"> <div class="page_content-main normal-page_content-main layout-generic_content-main page-382765_content-main">  <div id="op-43-banner" data-component="Banner - tall" data-cid="banner" data-aid="437323" class="banner-module_outer spacing-top--none spacing-bottom--none "> <div class="banner-module page_content-row page--extra-wide banner-module--tall "> <div class="banner-module_inner page--extra-wide_inner page_content-row_inner"> <div class="banner-module_content page--extra-wide_content"> <div class="banner-module_decoration"> <div class="banner-module_decoration-line page--extra-wide_decoration-line"></div> <div class="banner-module_decoration-image page--extra-wide_decoration-image"> <svg width="912" height="600"> <image xlink:href="https://www.greatsouthernbank.com.au/__data/assets/image/0013/411520/woman-at-bench-seating.jpg" width="912" height="602" x="0" y="0" /> </svg> </div> <svg class="banner-module_image-clip"> <defs> <clipPath id="banner-clip"> <polygon points="0 600 532 0 767 0 912 162 912 600"/> </clipPath> </defs> </svg> </div> <div class="banner-module_text page--extra-wide_text "> <div class="banner-module_breadcrumb page--extra-wide_breadcrumb"> <ul class="banner-module_breadcrumb_list page--extra-wide_breadcrumb_list"><li class="banner-module_breadcrumb_item page--extra-wide_breadcrumb_item"><a href="https://www.greatsouthernbank.com.au" class="banner-module_breadcrumb_link test">Home</a></li><li class="banner-module_breadcrumb_item page--extra-wide_breadcrumb_item"><a href="https://www.greatsouthernbank.com.au/credit-cards" class="banner-module_breadcrumb_link test">Credit Cards</a></li><li class="banner-module_breadcrumb_item page--extra-wide_breadcrumb_item"><a href="https://www.greatsouthernbank.com.au/credit-cards/low-rate" class="banner-module_breadcrumb_link banner-module_breadcrumb_link--is-active">Low Rate Credit Card</a></li></ul> </div> <div class="banner-module_text-content page--extra-wide_text-content "> <div class="banner-module_text-content-inner page--extra-wide_text-content-inner "> <h1 class="banner-module_title page--extra-wide_title"> Low Rate Credit Card </h1> <div class="banner-module_subtitle page--extra-wide_subtitle"> Up to 55 days interest free on purchases.<sup>1</sup> </div>  <div class="banner-module_buttons page--extra-wide_buttons"> <a href="https://apply.greatsouthernbank.com.au/integatecus/frmIntegate.aspx?company=CUA&merchant=250&operator=WEB&Product=CC&ccProductId=1&ccCardDesign=1&ccProductName=Low%20Rate%20Credit%20Card&ccPromoCode=&encp=3PbPtkh51DQ5EnhM38OwPPF6jX0oem/KmPj0zQrDv80=a1RV/y24aquBKZoqpcE8gLiWGIMvYN6z" class="banner-module_button" > <div class="banner-module_button-inner page--extra-wide_button-inner"> Apply now </div> </a> </div> <div class="banner-module_time"> <div class="banner-module_time-inner">Apply in 10 minutes</div> </div> <div class="banner-module_continue page--extra-wide_continue"> <a href="" class="banner-module_continue-link"> <div class="banner-module_continue-text page--extra-wide_continue-text " data-trigger-modal="#continue-modal" > Continue an existing application </div> </a> </div> </div> </div> </div>   </div> </div> </div> </div> <div id="subnav" class="subnav_wrapper subnav_controller module-382773 " data-component="Sub Nav" data-cid="subnav" data-aid="382773"> <div data-subnav-inner> <div class="subnav"> <div class="subnav_inner"> <div class="subnav_jump-to" data-jump-btn > Jump to </div> <div class="subnav_left-wrap"> <div class="subnav_heading">Low Rate Credit Card</div> </div> <div class="subnav_sections headline-5-regular" data-subnav-sections><a class="subnav_section" data-id="#features" href="#features" data-module="" data-position="" data-label="Features & benefits" >Features & benefits</a><a class="subnav_section" data-id="#rates" href="#rates" data-module="" data-position="" data-label="Rates & fees" >Rates & fees</a><a class="subnav_section" data-id="#apply" href="#apply" data-module="" data-position="" data-label="How to apply" >How to apply</a></div> <div class="subnav_right d-flex align-center justify-between"> <div class="subnav_button "><a href="https://apply.greatsouthernbank.com.au/integatecus/frmIntegate.aspx?company=CUA&merchant=250&operator=WEB&Product=CC&ccProductId=1&ccCardDesign=1&ccProductName=Low%20Rate%20Credit%20Card&ccPromoCode=&encp=3PbPtkh51DQ5EnhM38OwPPF6jX0oem/KmPj0zQrDv80=a1RV/y24aquBKZoqpcE8gLiWGIMvYN6z" class="cta-apply-now-low-rate-credit-card-subnav" ><div>Apply now</div></a></div> </div> </div> </div> </div> </div> <div class="subnav_offset"></div> <div data-component="Key Features" data-cid="key-features" data-aid="382777" class="key-features key-features-callout page_content-row spacing-top--md spacing-bottom--md"> <div class="key-features_inner key-features-callout_inner page_content-row_inner "> <div class="key-features_list key-features-callout_list"><div class="key-features_feature key-features-callout_feature"> <div class="key-features_feature-inner key-features-callout_feature-inner"> <div class="key-features_feature-title key-features-callout_feature-title">Purchase Rate</div> <div class="key-features_feature-value key-features-callout_feature-value"> <div class="key-features_feature-value-value key-features-callout_feature-value-value">11.99</div> <div class="key-features_feature-value-pa key-features-callout_feature-value-pa">%<br/>p.a.</div> </div> <div class="key-features_feature-disclaimer key-features-callout_feature-disclaimer"></div> </div> </div><div class="key-features_feature key-features-callout_feature"> <div class="key-features_feature-inner key-features-callout_feature-inner"> <div class="key-features_feature-title key-features-callout_feature-title">Additional card holder fee</div> <div class="key-features_feature-value key-features-callout_feature-value"> <div class="key-features_feature-value-value key-features-callout_feature-value-value">$0</div> </div> <div class="key-features_feature-disclaimer key-features-callout_feature-disclaimer">For up to nine cardholders.</div> </div> </div><div class="key-features_feature key-features-callout_feature"> <div class="key-features_feature-inner key-features-callout_feature-inner"> <div class="key-features_feature-title key-features-callout_feature-title">Up to</div> <div class="key-features_feature-value key-features-callout_feature-value"> <div class="key-features_feature-value-value key-features-callout_feature-value-value">55 days</div> </div> <div class="key-features_feature-disclaimer key-features-callout_feature-disclaimer">Interest free on purchases<sup>1</sup></div> </div> </div><div class="key-features_feature key-features-callout_feature"> <div class="key-features_feature-inner key-features-callout_feature-inner"> <div class="key-features_feature-title key-features-callout_feature-title">Minimum Credit Limit</div> <div class="key-features_feature-value key-features-callout_feature-value"> <div class="key-features_feature-value-value key-features-callout_feature-value-value">$500</div> </div> <div class="key-features_feature-disclaimer key-features-callout_feature-disclaimer"></div> </div> </div> </div> </div> </div><div id="features" data-component="Benefits - normal" data-cid="benefits" data-aid="382779" class="benefits-module benefits-credit-cards benefits-module--normal page_content-row spacing-top--md spacing-bottom--md "> <div class="benefits-module_inner benefits-credit-cards_inner page_content-row_inner "> <div class="benefits-module_row benefits-credit-cards_row"> <div class="benefits-module_text benefits-credit-cards_text"> <h2 class="benefits-module_title benefits-credit-cards_title"> Great Southern Bank`s Credit Card Features & Benefits </h2> <div class="benefits-module_image benefits-credit-cards_image"> <img class="benefits-module_image-inner" src="https://www.greatsouthernbank.com.au/__data/assets/image/0021/401538/card-mastercard-low-rate.png" /> </div> </div> <div class="benefits-module_list benefits-credit-cards_list"> <div class="benefits-module_block benefits-credit-cards_block" data-global-content="benefit" data-aid="396391"> <div class="benefits-module_block-inner benefits-credit-cards_block-inner"> <div class="benefits-module_block-icon benefits-credit-cards_block-icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-devices--phone" xlink:type="simple"></use> </svg> </div> <div class="benefits-module_block-text benefits-credit-cards_block-text"> <div class="benefits-module_block-header benefits-credit-cards_block-header">Pay with your phone</div> <div class="benefits-module_block-copy benefits-credit-cards_block-copy">No wallet? No worries. Make easy and secure payments with your phone using <a href="https://www.greatsouthernbank.com.au/digital-banking/google-pay">Google Pay</a>™ and <a href="https://www.greatsouthernbank.com.au/digital-banking/apple-pay-everyday">Apple Pay</a>.</div> </div> </div> </div><div class="benefits-module_block benefits-credit-cards_block" data-global-content="benefit" data-aid="396393"> <div class="benefits-module_block-inner benefits-credit-cards_block-inner"> <div class="benefits-module_block-icon benefits-credit-cards_block-icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-misc--locked" xlink:type="simple"></use> </svg> </div> <div class="benefits-module_block-text benefits-credit-cards_block-text"> <div class="benefits-module_block-header benefits-credit-cards_block-header">Fraud protection</div> <div class="benefits-module_block-copy benefits-credit-cards_block-copy">24-hour fraud monitoring and extra peace of mind with 3D secure provided by Mastercard® identity check.</div> </div> </div> </div><div class="benefits-module_block benefits-credit-cards_block" data-global-content="benefit" data-aid="396394"> <div class="benefits-module_block-inner benefits-credit-cards_block-inner"> <div class="benefits-module_block-icon benefits-credit-cards_block-icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-misc--contact" xlink:type="simple"></use> </svg> </div> <div class="benefits-module_block-text benefits-credit-cards_block-text"> <div class="benefits-module_block-header benefits-credit-cards_block-header">24/7 emergency assistance</div> <div class="benefits-module_block-copy benefits-credit-cards_block-copy">If your card is lost or stolen, you can <a href="https://www.greatsouthernbank.com.au/help-and-contact">call us</a> anytime to block it.</div> </div> </div> </div> </div> </div> </div> </div><div id="rates" data-component="Columns (rates)" data-cid="columns-asset-listing" data-aid="382783" class="columns module-382783 columns--rates page_content-row spacing-top--md spacing-bottom--md "> <div class="columns_inner module-382783_inner page_content-row_inner "> <div class="columns_list module-382783_list"><div class="columns_single-column module-382783_single-column columns_single-column-382819"> <div data-component="Basic Module" data-cid="basic" data-aid="382821" class="basic-module basic-module--rates spacing-top--none spacing-bottom--none "> <div class="basic-module_inner basic-module--rates_inner"> <h2 class="basic-module_h2">Rates & Fees</h2><p class="basic-module_p">Other fees may apply. Please refer to our <a href="https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0017/25217/KFS_KEY-FACTS-SHEET_231220.pdf" class="oz_cc-rates">Key Facts Sheet</a> and <a href="https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0021/45903/RC00688_Schedule_of_Fees_CREDIT_CARD_231210.pdf" class="oz_cc-rates">Schedule of Fees</a>. <a href="https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0027/166743/RC00689_CREDIT_CARD_Conditions_of_Use_and_Credit_Guide_231103.pdf" class="oz_cc-rates">Credit Card Conditions of Use</a> apply.</p> </div> </div> </div><div class="columns_single-column module-382783_single-column columns_single-column-500671"> <div id="tabs-module-500675" data-component="Tabs - horizontal-journey-nostack" data-cid="tabs-module" data-aid="500675" class="tabs-module tabs-module-horizontal-journey-nostack module-500675 module-500675--horizontal-journey-nostack spacing-top--none spacing-bottom--md " data-tabs="tabs-500675" data-tabs-switchat="1"> <div class="tabs-module_inner tabs-module-horizontal-journey-nostack_inner module-500675_inner"> <div class="tabs-module-horizontal-journey-nostack_tab-list"> <div class='tabs-module_tab tabs-module-horizontal-journey-nostack_tab module-500675_tab' data-trigger-tab='tab-500675-500661' data-tab-group='tabs-500675' data-tab='tab-500675-500661'><div class='tabs-module-horizontal-journey-nostack_tab-inner module-500675_tab-inner'>Rates</div></div><div class='tabs-module_tab tabs-module-horizontal-journey-nostack_tab module-500675_tab' data-trigger-tab='tab-500675-500667' data-tab-group='tabs-500675' data-tab='tab-500675-500667'><div class='tabs-module-horizontal-journey-nostack_tab-inner module-500675_tab-inner'>Fees</div></div> </div>   <div class="tabs-module-horizontal-journey-nostack_content-list tabs-module_content-list module-500675_content-list "><div class="tabs-module_single-tab tabs-module-horizontal-journey-nostack_single-tab module-500675_single-tab tabs-module-horizontal-journey-nostack_single-tab-500661"> <div class='tabs-module_tab tabs-module-horizontal-journey-nostack_tab module-500675_tab' data-trigger-tab='tab-500675-500661' data-tab='tab-500675-500661' data-tab-group='tabs-500675'> <div class='tabs-module-horizontal-journey-nostack_tab-inner module-500675_tab-inner'> <div class='tabs-module-horizontal-journey-nostack_tab-title module-500675_tab-title'> Rates </div> </div> </div> <div id="tab-500675-500661" class="tabs-module_tab-content tabs-module-horizontal-journey-nostack_tab-content module-500675_tab-content" data-tab='tab-500675-500661' data-tab-group='tabs-500675' > <div class="tabs-module_tab-content-inner tabs-module-horizontal-journey-nostack_tab-content-inner module-500675_tab-content-inner"> <div data-component="Basic Module" data-cid="basic" data-aid="500663" class="basic-module module-500663 spacing-top--none spacing-bottom--none "> <div class="basic-module_inner module-500663_inner"> <table class="table-reset table-borders table-padding table-align-top paragraph-2 color-neutral-900"><tbody><tr><td class="cell-width-6">Purchase Rate</td><td class="cell-width-6">11.99% p.a.</td></tr><tr><td class="cell-width-6">Cash Interest Rate</td><td class="cell-width-6">21.74% p.a.</td></tr><tr><td class="cell-width-6">Interest-Free Period</td><td class="cell-width-6">up to 55 days<sup>1</sup></td></tr><tr><td class="cell-width-6">Minimum Monthly Repayment</td><td class="cell-width-6"> Whichever one of these is the greatest (or equal greatest): <ul class="rates-module_ul rates-module_ul--dash"><li class="rates-module_li">$35; or</li><li class="rates-module_li">3.00% of the closing balance; AND</li><li class="rates-module_li">your overlimit and/or overdue amount (if any).</li></ul></td></tr></tbody></table> </div> </div> </div> </div> </div><div class="tabs-module_single-tab tabs-module-horizontal-journey-nostack_single-tab module-500675_single-tab tabs-module-horizontal-journey-nostack_single-tab-500667"> <div class='tabs-module_tab tabs-module-horizontal-journey-nostack_tab module-500675_tab' data-trigger-tab='tab-500675-500667' data-tab='tab-500675-500667' data-tab-group='tabs-500675'> <div class='tabs-module-horizontal-journey-nostack_tab-inner module-500675_tab-inner'> <div class='tabs-module-horizontal-journey-nostack_tab-title module-500675_tab-title'> Fees </div> </div> </div> <div id="tab-500675-500667" class="tabs-module_tab-content tabs-module-horizontal-journey-nostack_tab-content module-500675_tab-content" data-tab='tab-500675-500667' data-tab-group='tabs-500675' > <div class="tabs-module_tab-content-inner tabs-module-horizontal-journey-nostack_tab-content-inner module-500675_tab-content-inner"> <div data-component="Basic Module" data-cid="basic" data-aid="500669" class="basic-module module-500669 spacing-top--none spacing-bottom--none "> <div class="basic-module_inner module-500669_inner"> <table class="table-reset table-borders table-padding table-align-top paragraph-2 color-neutral-900"><tbody><tr><td class="cell-width-6"> Annual Fees </td><td class="cell-width-6"> $49 </td></tr><tr><td class="cell-width-6"> Cash Advance Fee </td><td class="cell-width-6"> 2.00% of the cash advance amount, with a minimum of $3.50 <sup>2</sup></td></tr><tr><td class="cell-width-6"> Late Payment Fees </td><td class="cell-width-6"> $12.50 <sup>3</sup></td></tr><tr><td class="cell-width-6"> Foreign Exchange Fee </td><td class="cell-width-6"> 3.40% of the transaction amount <sup>4</sup></td></tr><tr><td class="cell-width-6"> Additional Cardholder Fee </td><td class="cell-width-6"> $0 (Up to 9 additional card holders)</td></tr></tbody></table> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div><div id="apply" data-component="Instructions" data-cid="instructions-module" data-aid="399264" class="instructions-module module-399264 page_content-row spacing-top--md spacing-bottom--md"> <div class="instructions-module_background-wrap module-399264_background-wrap"> <div class="instructions-module_inner module-399264_inner page_content-row_inner "> <div class="instructions-module_row module-399264_row"> <div class="instructions-module_text module-399264_text"> <div class="instructions-module_text-inner module-399264_text-inner"> <h2 class="instructions-module_heading module-399264_heading mt-0">How to apply</h2> <div class="instructions-module_copy module-399264_copy"> Ready to apply? You can apply online today. </div> <div class="instructions-module_button-area module-399264_button-area instructions-module_button-area--for-big"> <a href="https://apply.greatsouthernbank.com.au/integatecus/frmIntegate.aspx?company=CUA&merchant=250&operator=WEB&Product=CC&ccProductId=1&ccCardDesign=1&ccProductName=Low%20Rate%20Credit%20Card&ccPromoCode=&encp=3PbPtkh51DQ5EnhM38OwPPF6jX0oem/KmPj0zQrDv80=a1RV/y24aquBKZoqpcE8gLiWGIMvYN6z"> <div class="instructions-module_button"> Apply now </div> </a> <div class="instructions-module_button-link"><a href="#" data-trigger-modal="#low-rate-ddo">Is this product right for me?</a></div> </div> </div> </div> <div class="instructions-module_criteria-wrap"> <div class="instructions-module_criteria"> <button class="instructions-module_criteria-heading" data-generic-accordion="title" data-generic-accordion-max="992">The process</button> <div class="instructions-module_criteria-content" data-generic-accordion="content"> <div class="instructions-module_criteria-list"> <div class="instructions-module_block"> <div class="instructions-module_block-icon"> <svg> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-devices--desktop"></use> </svg> </div> <div class="instructions-module_block-text"> <div class="instructions-module_block-heading" >1. Apply online</div> <div class="instructions-module_block-copy"><div class="instructions-module_block-copy-inner">Check that you’re eligible and what you need, then apply online.</div></div> </div> </div><div class="instructions-module_block"> <div class="instructions-module_block-icon"> <svg> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-documentation--document"></use> </svg> </div> <div class="instructions-module_block-text"> <div class="instructions-module_block-heading" >2. Upload your documents</div> <div class="instructions-module_block-copy"><div class="instructions-module_block-copy-inner">Once your application has progressed, we’ll need you to provide documents to verify your income.</div></div> </div> </div><div class="instructions-module_block"> <div class="instructions-module_block-icon"> <svg> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-misc--email-alt"></use> </svg> </div> <div class="instructions-module_block-text"> <div class="instructions-module_block-heading" >3. Wait for our response</div> <div class="instructions-module_block-copy"><div class="instructions-module_block-copy-inner">We’ll let you know the outcome of your application via email.</div></div> </div> </div><div class="instructions-module_block"> <div class="instructions-module_block-icon"> <svg> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-cards--activate"></use> </svg> </div> <div class="instructions-module_block-text"> <div class="instructions-module_block-heading" >4. Get ready to shop</div> <div class="instructions-module_block-copy"><div class="instructions-module_block-copy-inner">Simply activate your card when it arrives in 5-10 working days (after approval) and start spending!</div></div> </div> </div> </div> </div> </div> <div class="instructions-module_criteria"> <button class="instructions-module_criteria-heading" data-generic-accordion="title" data-generic-accordion-max="992">Eligibility</button> <div class="instructions-module_criteria-content" data-generic-accordion="content"> <div class="instructions-module_criteria-list"><div class="instructions-module_block"> <div class="instructions-module_block-text"> <div class="instructions-module_block-heading" >Who can apply?</div> <div class="instructions-module_block-copy"><div class="instructions-module_block-copy-inner"><ul> <li>Permanent Australian residents aged 18 years or over</li> <li>You must receive a regular income</li> <li>Have had no bankruptcy or insolvency in the last 5 years</li> </ul></div></div> </div> </div><div class="instructions-module_block"> <div class="instructions-module_block-text"> <div class="instructions-module_block-heading" >You will need:</div> <div class="instructions-module_block-copy"><div class="instructions-module_block-copy-inner"><ul> <li>Proof of identity (such as a drivers licence)</li> <li>Employment and income details (such as a payslip)</li> <li>Expenses and debt details</li> </ul></div></div> </div> </div> </div> </div> </div> </div> </div> <div class="instructions-module_button-area module-399264_button-area instructions-module_button-area--for-small"> <a href="https://apply.greatsouthernbank.com.au/integatecus/frmIntegate.aspx?company=CUA&merchant=250&operator=WEB&Product=CC&ccProductId=1&ccCardDesign=1&ccProductName=Low%20Rate%20Credit%20Card&ccPromoCode=&encp=3PbPtkh51DQ5EnhM38OwPPF6jX0oem/KmPj0zQrDv80=a1RV/y24aquBKZoqpcE8gLiWGIMvYN6z"> <div class="instructions-module_button"> Apply now </div> </a> <div class="instructions-module_button-link"><a href="#" data-trigger-modal="#low-rate-ddo">Is this product right for me?</a></div> </div> </div> </div> </div> <div id="about" data-component="Columns (award-testimonial)" data-cid="columns-asset-listing" data-aid="464772" class="columns module-464772 columns--award-testimonial page_content-row spacing-top--md spacing-bottom--md "> <div class="columns_inner module-464772_inner page_content-row_inner "> <div class="columns_list module-464772_list"><div class="columns_single-column module-464772_single-column columns_single-column-464795"> <div data-component="Basic Module" data-cid="basic" data-aid="464797" class="basic-module module-464797 spacing-top--none spacing-bottom--none "> <div class="basic-module_inner module-464797_inner"> <div class="basic-module_badge basic-module_badge--neutral">ABOUT US</div><h2 class="basic-module_h2">Why choose Great Southern Bank?</h2><ul class="basic-module_ul basic-module_ul--tick" style="margin-left: 0;"><li>We're customer-owned. That means no shareholders, so all our profits go into creating new and clever ways to help you manage your money.</li><li>We're able to focus squarely on our mission to empower ordinary Australians to reach their financial goals, whatever they may be.</li><li>We believe being owned by the people you help is a more transparent way of doing things and how all banks should work.</li></ul> </div> </div> </div><div class="columns_single-column module-464772_single-column columns_single-column-464799"> <div data-component="Award Testimonial" data-cid="award-testimonial" data-aid="464801" data-global-content="award testimonial" class="award-testimonial module-464801 d-flex-lg flex-1-lg"> <div class="award-testimonial__inner module-464801__inner d-flex-lg flex-1-lg"> <div class="award-testimonial__main pos-rel pt-7 ph-2 p-0-sm d-flex direction-column direction-row-sm justify-end justify-center-sm align-center-sm justify-start-lg flex-1-lg"> <div class="award-testimonial__background-image lazyload bgimg bgimg-cover bgimg-center box-rad-8 z-0" data-sizes="auto" data-bgset="https://www.greatsouthernbank.com.au/media/images/testimonials/bruno-emmanuelle.jpg/img-lg.jpg 940w [(max-width: 992px)] | https://www.greatsouthernbank.com.au/media/images/testimonials/bruno-emmanuelle.jpg/img-md.jpg 718w"> </div> <div class="award-testimonial__main-inner d-flex-sm align-stretch z-1 ph-2-sm ph-4-lg"> <div class="award-testimonial__testimonials bg-purewhite box-rad-8 swiper-container m-auto m-0-sm box-shad-md" id="swiper_award-testimonial-464801" data-swiper-type="award-testimonial"> <div class="award-testimonial__testimonials-list swiper-wrapper"><div class="award-testimonial__block swiper-slide p-2 p-3-sm pb-7 pb-9-sm" data-global-content="testimonial" data-aid="440860"> <div class="paragraph-2 color-neutral-900">“Transfers to my credit card through online banking show on the credit account instantly. It’s so good!”</div> <div class="paragraph-3-bold color-deepocean pt-3">Scout, QLD, Credit Card customer</div> </div><div class="award-testimonial__block swiper-slide p-2 p-3-sm pb-7 pb-9-sm" data-global-content="testimonial" data-aid="440861"> <div class="paragraph-2 color-neutral-900">“It is good to know I have some spare money up my sleeve that won’t cost me TOO much to repay!”</div> <div class="paragraph-3-bold color-deepocean pt-3">David, QLD, Credit Card customer</div> </div><div class="award-testimonial__block swiper-slide p-2 p-3-sm pb-7 pb-9-sm" data-global-content="testimonial" data-aid="440862"> <div class="paragraph-2 color-neutral-900">“Meets all my credit card needs and marries well with my other banking services provided by Great Southern Bank.”</div> <div class="paragraph-3-bold color-deepocean pt-3">Donald, NSW, Credit Card customer</div> </div></div> <div id="swiper-pagination_award-testimonial-464801" class="award-testimonial__swiper-pagination swiper-pagination swiper-pagination-clickable d-flex p-2 p-3-sm"></div> </div></div> </div> </div> </div> </div> </div> </div> </div><div id="faqs" data-component="Columns (six-six)" data-cid="columns-asset-listing" data-aid="464586" class="columns module-464586 columns--six-six page_content-row spacing-top--md spacing-bottom--md "> <div class="columns_inner module-464586_inner page_content-row_inner "> <div class="columns_list module-464586_list"><div class="columns_single-column module-464586_single-column columns_single-column-464753"> <div data-component="Basic Module" data-cid="basic" data-aid="464755" class="basic-module module-464755 spacing-top--none spacing-bottom--none "> <div class="basic-module_inner module-464755_inner"> <div class="basic-module_badge basic-module_badge--primary-500">FAQS</div><h2 class="basic-module_h2">Low Rate Credit Card FAQs</h2><p>For a more detailed credit card guide, visit our helpful guide <a href="https://www.greatsouthernbank.com.au/credit-cards/how-do-credit-cards-work" class="basic-module_a">Smart ways to use a credit card</a>.</p> </div> </div> </div><div class="columns_single-column module-464586_single-column columns_single-column-464716"> <div data-component="faq Accordion" data-cid="faq-accordion" data-aid="464718" class="accordion-module module-464718 spacing-top--none spacing-bottom--none " data-accordion-title="Frequently asked questions"> <div class="accordion-module_inner module-464718_inner "> <div class="accordion-module_accordion"><div data-global-content="FAQ" data-aid="464722" id="accordion-pane-464722" class="accordion-module_pane"> <button class="accordion-module_pane-title generic-accordion align-center" data-generic-accordion="title" data-module="gaModule" data-position="Accordion" data-label="The actual title on the accordion"> Can I have additional cardholders? </button> <div class="accordion-module_pane-content generic-accordion--finished" data-generic-accordion="content"> <div class="accordion-module_pane-content-inner"> <p>Yes, you can add up to nine additional cardholders at no extra cost!</p> </div> </div> </div> </div> </div> </div> <script type="application/ld+json"> {"@context": "https://schema.org/","@type": "FAQPage","mainEntity":[ {"@type": "Question","name": "Can I have additional cardholders?","acceptedAnswer":{"@type": "Answer","text": "<p>Yes, you can add up to nine additional cardholders at no extra cost!</p>"}}]} </script> </div> </div> </div> </div><div data-component="Basic Module" data-cid="basic" data-aid="453608" class="basic-module module-453608 page_content-row spacing-top--md spacing-bottom--md "> <div class="basic-module_inner module-453608_inner page_content-row_inner"> <div style="display:flex; justify-content: center;"><div class="basic-module_badge" style="text-align: center;">HELPFUL GUIDE</div></div><h2 class="basic-module_h2" style="text-align: center; margin-bottom: 0px;">Smart ways to use a credit card</h2><p class="basic-module_p" style="text-align: center; font-size: 18px; margin-bottom: 32px;">Learn how a credit card works and other handy tips before you apply.</p><div class="basic-module_buttons" style="justify-content: center;"><a href="https://www.greatsouthernbank.com.au/credit-cards/how-do-credit-cards-work" class="basic-module_button basic-module_button--primary-arrow">Read the guide</a></div> </div> </div> <div data-component="Contact Us" data-global-content="contact block" data-cid="contact" data-aid="399910" class="contact-tiles pl-product-contact page_content-row spacing-top--md spacing-bottom--md"> <div class="contact-tiles_inner pl-product-contact_inner page_content-row_inner "> <div class="contact-tiles_row pl-product-contact_row"> <div class="contact-tiles_text pl-product-contact_text"> <div class="contact-tiles_heading pl-product-contact_heading">Get in touch</div> <div class="contact-tiles_description pl-product-contact_description"> We're here to help. </div> </div> <div class="contact-tiles_list pl-product-contact_list"><div class="contact-tiles_block pl-product-contact_block" data-global-content="contact tile" data-aid="382217"> <div class="contact-tiles_block-icon pl-product-contact_block-icon"> <svg> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-two-tone--call"></use> </svg> </div> <div class="contact-tiles_block-textwrap pl-product-contact_block-textwrap"> <div class="contact-tiles_block-heading pl-product-contact_block-heading">Call 133 282</div> <div class="contact-tiles_block-copy pl-product-contact_block-copy"><p>Mon - Fri: 8:00am - 7:00pm (AEDT)</br>Sat: 8:00am - 4:00pm (AEDT)</p></div> </div> <div class="contact-tiles_block-link pl-product-contact_block-link"><a href="tel://133282" aria-label="Call 133 282"></a></div> </div><div class="contact-tiles_block pl-product-contact_block" data-global-content="contact tile" data-aid="382223"> <div class="contact-tiles_block-icon pl-product-contact_block-icon"> <svg> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-two-tone--find-a-branch"></use> </svg> </div> <div class="contact-tiles_block-textwrap pl-product-contact_block-textwrap"> <div class="contact-tiles_block-heading pl-product-contact_block-heading">Find a branch</div> <div class="contact-tiles_block-copy pl-product-contact_block-copy">Speak to one of our friendly staff at a branch near you.</div> </div> <div class="contact-tiles_block-link pl-product-contact_block-link"><a href="https://www.greatsouthernbank.com.au/branch-locator" aria-label="Find a branch"></a></div> </div><div class="contact-tiles_block pl-product-contact_block" data-global-content="contact tile" data-aid="382224"> <div class="contact-tiles_block-icon pl-product-contact_block-icon"> <svg> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-two-tone--login-chat-people"></use> </svg> </div> <div class="contact-tiles_block-textwrap pl-product-contact_block-textwrap"> <div class="contact-tiles_block-heading pl-product-contact_block-heading">Connect online</div> <div class="contact-tiles_block-copy pl-product-contact_block-copy">Chat to us or browse help topics and FAQs.</div> </div> <div class="contact-tiles_block-link pl-product-contact_block-link"><a href="https://www.greatsouthernbank.com.au/help-and-contact" aria-label="Connect online - chat to us or browse help topics and FAQs"></a></div> </div> </div> </div> </div> </div><div data-component="Disclaimers" data-cid="disclaimers" data-aid="399268" class="disclaimers-module module-399268 page_content-row disclaimers-module--open spacing-top--md spacing-bottom--none "> <div class="disclaimers-module_inner module-399268_inner page_content-row_inner"> <div class="disclaimers-module_header"> <div class="disclaimers-module_title">Important Information</div> </div> <div class="disclaimers-module_disclaimers"> <div class="disclaimers-module_disclaimers-content"> <div class="disclaimers-module_disclaimer disclaimer-is-text module-399268_disclaimer disclaimer_custom"><p>Great Southern Bank, a business name of Credit Union Australia Limited ABN 44 087 650 959 Australian credit licence 238317 is the issuer of the Great Southern Bank Low Rate Credit Card. Lending criteria, fees, charges, <a href="https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0027/166743/RC00689_CREDIT_CARD_Conditions_of_Use_and_Credit_Guide_231103.pdf" target="_blank">Credit Card Conditions of Use </a>apply.</p><p>Fees are current as at 29 March 2022 and are subject to change.</p><p><sup>1</sup> The interest-free period of up to 55 days applies to purchases when you pay your balance off in full by the payment due date. If you carry over a balance on your credit card from one month to the next, the 55 days interest free period does not apply and you are charged interest once you make a purchase. No interest free period is available on Cash Advances or Balance Transfers.</p><p><sup>2</sup> A cash advance fee will be charged when a cash advance is obtained from your account.</p><p><sup>3</sup> A late payment fee will be charged if the "Total amount due" figure shown on the statement is not paid within 25 days from your statement date.</p><p><sup>4</sup> A foreign exchange fee will be charged in Australian dollars for any purchases or cash advances made or processed in a foreign currency or when the merchant, or the merchant’s financial institution, is located overseas (both multi-currency transactions and single-currency transactions).</p><p>®Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.</p><p>Google, Google Pay, and the Google Pay Logo are trademarks of Google Inc. Payments using Google Pay are available for NFC enabled phones running on Android Lollipop 5.0 or above.</p><p>Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices. see <a href="https://support.apple.com/km207105" target="_blank" rel="noopener">https://support.apple.com/km207105</a>.</p><p>To view the Target Market Determination for this product, please <a href="https://www.greatsouthernbank.com.au/help-and-contact/target-market-determinations" target="_blank">click here</a>.</p></div> </div> </div> </div> </div><div data-component="Modal Module" data-cid="modal-module" data-aid="405761" id="continue-modal" class="modal-module module-405761 modal-module--start-closed " data-modal-overlay="#modal-module_overlay-405761" data-modal-type="continue" > <div class="modal-module_inner module-405761_inner"> <div class="modal-module_header module-405761_header "> <div class="modal-module_title module-405761_title pr-2">Continue saved application</div> <div class="modal-module_close-btn module-405761_close-btn"></div> </div> <div class="modal-module_body module-405761_body "> <div class="modal-module_body-content module-405761_body-content modal-module_body-405682" data-global-content="modal" data-aid="405682"><div class="modal-continue_form module-405761_form"> <div class="modal-continue_left"> <input id="modal-continue_continue-application-field" type="text" class="modal-continue_input module-405761_input" placeholder="Enter your Application ID" aria-label="Enter your Application ID"/> <p class="paragraph-3 color-neutral-900 mb-0">Your application ID is in the confirmation email we sent from creditcardapplication@gsb.com.au. For help, call us on 133 282.</p> </div> <div id="modal-continue_continue-form-submit" class="modal-continue_button module-405761_button" data-product-type="loan"> Continue </div> </div> </div> </div> </div> </div> <div id="modal-module_overlay-405761" class="modal-module_overlay modal-module--start-closed"></div><div id='low-rate-ddo' class="modal-module modal-module--start-closed" data-modal-overlay="#modal-module_overlay-490206" data-component='Text Modal' data-cid="text-modal" data-aid="490206"> <div class="d-flex align-center p-3 justify-between"> <div class="headline-3-sm headline-4 color-deepocean">Important Information</div> <div class="modal-module_close-btn"></div> </div> <div class="ph-3 pb-3"> <div id="component_490206"> <div class="paragraph-2 color-neutral-900"><p class="mt-0">The Low Rate Credit Card has been designed for customers who want a basic, no frills line of credit with lower interest and fees.</p><p>This product may <strong>not</strong> be right for you, if you:</p><ul class="list-reset list-basic list-dot"><li>Prioritise additional benefits and features such as rewards points, over low rates and fees.</li><li>Are looking for complimentary insurances (including international travel insurance and purchase protection insurance).</li></ul></div> </div> </div> </div> <div id="modal-module_overlay-490206" class="modal-module_overlay modal-module--start-closed"></div>  </div> </div>  <div class="page_content-bottom normal-page_content-bottom layout-generic_content-bottom page-382765_content-bottom"> <div class="page_content-bottom-inner normal-page_content-bottom-inner layout-generic_content-bottom-inner page-382765_content-bottom-inner"> </div> </div> </div> <footer class="main-footer bg-deepocean d-flex justify-center direction-row pos-rel"> <div class="main-footer_wrap d-flex direction-column direction-row-lg justify-center-lg pos-rel"> <div class="main-footer_back d-flex direction-column pos-abs align-center"> <div 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