Greater Bank Visa Credit Card
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CardIQ
Good
Overall score, out of 100 · How this works
- 55 days interest-free61
- Balance transfer39
- First timer78
- Low rate72
Customer reviews
Based on 6 reviews
Most of the praise went to the interest rate, fees and customer service.
Low fees, good service, no over-limit penalties
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…
A card from a good bank
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…
Great starter card
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
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…
Low rate! Great option for a credit card
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
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.…
Pros & cons
What's good
- The 9.95% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 18.99% p.a.).
- No fee to add an additional cardholder.
Worth noting
- 3% foreign transaction fee on overseas spending.
- Earns no rewards points on spending.
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Standard
- Card type
- Visa
- Card use
- Personal
- Credit limit
- $1,000 – $25,000
- Credit rating
- Good
- Rewards program
- None
Eligibility
- Instant approval
- No
- Joint application
- No
- Membership
- Not yet verified
- Minimum age
- 18 years old
- Minimum income
- $20,000 p.a.
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Not eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 9.95% p.a.
- Purchases
- 9.95% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- $49 p.a.
- Cash advance fee
- 2% of the amount
- Foreign transaction fee
- 3%
- Late payment fee
- $20
Repayments
- Interest-free period
- Up to 55 days on purchases
- Minimum repayment
- 3% of the closing balance or $10, whichever is greater
Balance transfers
- Limit
- Up to your available credit limit
- Period
- 0 months
- Promotional rate
- 9.95% p.a.
- Revert rate
- 0.00% p.a.
- Transfer fee
- 0%
While you carry a transferred balance you may not receive interest-free days on new purchases.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
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Browse by card type
Compare the Greater Bank Visa Credit Card against every other card in its category.
Questions and answers
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Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- Greater Bank