Great Southern Bank Credit Cards

Great Southern Bank is one of the largest member-owned banks in Australia and has been operating for over 75 years. It was previously known as CUA and rebranded to Great Southern Bank on 1 June 2021. Its credit card features included low rates and fees, rewards and complimentary insurance.

Types of credit cards from Great Southern Bank

• Low rate credit card

The Great Southern Bank Low Rate Credit Card had a variable interest rate 11.99% p.a. for purchases, which was significantly lower than the average standard credit card interest rate of 20.99% p.a., according to Reserve Bank of Australia data. Its $49 annual fee was also at the low end of the scale for credit cards in Australia, and was waived in the first year.

• Platinum credit card

The Great Southern Bank Platinum Credit Card offered reward points per $1 on all your eligible spending, including groceries, petrol, dining, entertainment and travel. You can redeem these points for rewards including travel, retail items and gift cards from major brands such as Coles, Woolworths and JB Hi-Fi. It also provided you access to complimentary insurance options, including international travel insurance.

Benefits of getting a Great Southern Bank credit card

Some of the features and benefits that were available with a Great Southern Bank credit card included:

• Contactless payments

You could add a Great Southern Bank credit card to Apple Pay and Google Pay to make payments straight from your mobile phone or other device.

• Mastercard benefits

With either of these credit cards, you got access to exclusive offers for shopping, dining, travel and entertainment through Mastercard Priceless. These cards also offered contactless payments and worldwide acceptance through the Mastercard network, and protection with zero liability for fraudulent transactions and 24-hour global support services.

• Interest-free days

Both Great Southern Bank credit cards offered up to 55 interest-free days on purchases when you pay your account’s total outstanding balance by the due date on each statement.

• Additional cards

If you chose to get a Great Southern Bank credit card, you could request up to 9 additional cards. This allowed you to share your account with a partner or family member. Keep in mind that you remained liable for all purchases made using additional cards linked to your primary card.

• Online and mobile banking

You could keep track of your credit card transactions and manage your account 24/7 from anywhere using Great Southern Bank’s online banking platform or mobile banking app.

• Great Southern Bank member benefits

Great Southern Bank ensured that its profits went back to its customers in the form of lower fees and better rates. It also gave customers the ability to bundle products such as credit cards and home loans, which helped simplify banking and reduce fees. In addition to these benefits, Great Southern Bank members could participate in its governance, ask questions about management and financial performance, and even had voting rights at the Annual General Meeting.

Credit card brands similar to Great Southern Bank

If you want a credit card from a member-owned bank (or credit union), here are 3 other credit card providers you could compare with Great Southern Bank:

• Bank Australia credit cards
• Community First credit cards
• Heritage Bank credit cards

Frequently asked questions

• Did Great Southern Bank credit cards offer balance transfers?

  You could request a balance transfer from your existing credit card to a Great Southern Bank credit card when you applied. However, there wasn't always an introductory low or 0% balance transfer offer available. Outside of promotions, the cash advance interest rate applied to balance transfers.

• What information did I have to provide to move forward with a balance transfer?

  You needed to provide the name of the card issuer, your account number, and the amount you wished to transfer.

• Could I use my Great Southern Bank credit card for cash advances?

  Yes, you could. Cash advances attract a higher interest rate than purchases. Great Southern Bank also charged a cash advance fee worth 2% of the cash advance amount, with a minimum of $3.50. Note that cash advance transactions were not eligible for interest-free days, meaning interest was charged from the date of the transaction.

Important links and details

• Great Southern Bank customer service phone number: 133 282
  Hours of operation: 8am-8pm Mon-Fri and 8am-4pm Sat (AEDT)
• Great Southern Bank home loans
• Great Southern Bank savings and bank accounts

Compare other products from Great Southern Bank

• Great Southern Bank home loans
• Great Southern Bank personal loans
• Great Southern Bank car loans

Written by

Amy Bradney-George

Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

Amy's expertise

Amy has written 532 Finder guides across topics including:

• Credit cards
• Frequent flyer
• Credit score
• BNPL
• Money management
• Sustainability