Greater Bank Visa Credit Card

Greater Bank Visa Credit Card

Offer
Card features
balance transfer
purchase rate
annual fee
Apply
Greater Bank Visa Credit Card
Same low 11.95% p.a. interest rate for purchases and cash advances.
Up to 55 days on purchases if you pay the full balance each month.
No annual fee, saving you $49 p.a. if you spend $12,000 or more annually after the 1st year.
Add to comparison
11.95% p.a.
ongoing
11.95% p.a.
ongoing
$49
ongoing

Pros & cons

What's good?

What's not so good?

Same low 11.95% p.a. interest rate for purchases and cash advances.
Up to 55 days on purchases if you pay the full balance each month.
No annual fee, saving you $49 p.a. if you spend $12,000 or more annually after the 1st year.
Up to 55 days interest free on purchases.
Not eligible for Apple pay or Google Pay.
Disclaimer: Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

User reviews

3.9 out of 5.0 based on 6 reviews100% of reviewers would recommend this card

Rates and fees
Rewards
Customer service
Convenience
Trust

Reviews from users

Low fees, good service, no over-limit penalties

Reviewed and recommended by Margie on 23 Apr 2017

I have been using this card for over ten years now. I don’t pay high monthly fees with it, I’m not penalised if my card becomes overdrawn, and the customer service is always great!

I’m very happy with my Greater Building Society Credit Card and have never had a problem. As a matter of fact I have encouraged all of my children and their partners to also join up with Greater and use their credit cards.

A card from a good bank

Reviewed and recommended by Cas on 02 Dec 2016

I’ve only ever been with one other bank, but since transferring to the Greater I haven’t wanted to leave. They have good interest rates, especially for savers. I definitely recommend opening a Bonus Saver and adding even a few dollars in every month – the reward is well worth it. I wouldn’t transfer to any other bank.

Great starter card

Reviewed and recommended by Courtney on 26 Aug 2016

This bank is a great bank to go with. It’s simple and the set-up is perfect for people just starting, who have never had a card before. It’s the best bank I have used so far. I hope that people who join up like it as much as I do.

Trustworthy, and great customer service

Reviewed and recommended by jamie on 02 Aug 2016

The thing i like best about it is that it’s safe and trustworthy, and a payment won’t process if you are using an untrustworthy site, which is great.

The rates and fees could be quite lower, if you ask me. As well, when having to use other ATMs you have to pay $2.50 to that bank, then monthly fees to the Greater.

All round though, 100% safe and trustworthy bank with great customer service.

Low rate! Great option for a credit card

Reviewed and recommended by Peta Andersen on 02 Aug 2015

The Greater has great security options. Low rates should be a must on most credit cards. I always pay my interest and more before the due date, and if I couldn’t this card helps keep the costs low. The Greater Building Society credit card is a Visa, which is used in all places!

The Greater is great

Reviewed and recommended by Brian Rattray on 20 Aug 2013

The interest rate is one of the lowest (9.5%) with no hidden fees. The staff at Greater are only too willing to help with any problems or concerns. We have used this card overseas and all around Australia with no problems at all. We have other cards but prefer to use this one. Internet banking with Greater is a breeze.

Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

The basics

About this card

Card setup
Single
Card tier
Standard
Card type
Visa
Card use
Personal
Credit rating
Satisfactory
Gambling transactions allowed
No
Joint application
No
Minimum age
18 years old
Minimum income
$20,000
Minimum income for pensioners
N/A
Pensioners
N/A
Rewards program
None
Temporary residents
N/A

Cardholders

Additional cardholders
1
Additional card fee
$5 p.a.

Credit limits

Minimum credit limit
$1,000
Maximum credit limit
N/A

Repayments

Interest charged from
Purchase date
Interest free period
Up to 55 days on purchases
Minimum repayment
3%

Balance transfers

The offer

Interest ratePeriodFeeLimitRevert rate
Balance transfers11.95% p.a.N/ANone100% of credit limitN/A

Balance transfers to this card

Balance transfer earns rewards
No
Balance transfer fee payment due
First statement
Balance transfer from personal loan
No
Balance transfer processing time
10 - 14 days
Interest free days with unpaid balance
0 days
Maximum balance transfer
100% of credit limit
Available to existing customers
No

Banks you can't balance transfer from

You can't balance transfer to the Greater Bank Visa Credit Card at the promotional balance transfer rate from:

    Rates & fees

    Promotional interest rates

    Interest ratePeriodFeeLimitRevert rate
    Balance transfers11.95% p.a.N/ANone100% of credit limit N/A
    PurchasesN/AN/AN/AN/A N/A

    Ongoing interest rates

    MonthlyAnnually
    Cash advances 1.00% 11.95% p.a.
    Purchases 1.00% 11.95% p.a.

    Fees

    Annual fee
    $49 p.a.
    Cash advance fee
    2%
    Dishonour fee
    N/A
    Duplicate statement fee
    N/A
    Foreign exchange fee
    3%
    Late payment fee
    $20
    Over limit fee
    $0
    Overseas ATM balance fee
    $4
    Overseas ATM withdrawal fee
    $0
    Overseas emergency card replacement fee
    $100
    Transaction verification fee
    N/A

    Minimum criteria for this card

    What you need before applying

    Be over 18 years old
    You are a resident or citizen of Australia
    Earn a regular income of more than $20,000 per year
    You have your personal details ready to complete the online application
    Have not applied for multiple credit cards recently
    Joint applications are not allowed
    Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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