Greater Bank
Visa Credit Card
Greater Bank · cred and chrg cards
Provider last updated this product 2026-09-23.
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You'll complete your application on
Greater Bank's website. Confirm the rate and fees with them
before applying.
Low rate, low fee, personal credit card
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| CASH ADVANCE | 9.95% | - | OTHER | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| BALANCE TRANSFER | 9.95% | - | OTHER | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| PURCHASE | 9.95% | - | OTHER | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Replacement card fee | EVENT | $100 | Payable if the card is sent to you outside Australia. Payable when you or an additional cardholder request a replacement card before your card has expired, and you have already requested a replacement card in the period between the date on which the most recent annual fee is charged on your account (or if the annual fee is waived, the date on which it would be charged had it not been waived) and the date on which you request a second replacement card. |
| Disputed transaction fee | EVENT | $10 | Debited to your account when you request a record of a disputed transaction. |
| Telegraphic transfer - Foreign Currency (Outgoing International Payment) | WITHDRAWAL | $30 | When transferring in a foreign currency. Fee is inclusive of $20.00 payable to the product issuer, Convera Australia Pty Ltd. |
| Foreign currency conversion fee | PURCHASE | 3.00% | 3.00% of the value of the transaction in AUD debited to your account when you make a transaction in a foreign currency or in AUD when you are outside of Australia; or in Australia where the merchant or financial institution that processes the transaction is located outside of Australia |
| Bulk coin purchase fee - External | WITHDRAWAL | $8 | $8.00 per bag |
| Australian cash advance fee | CASH_ADVANCE | 2.00% | If your account has a negative balance at the time you request the cash advance fee you will be charged 2.00% of the cash advance amount. The minimum fee is $1.50, the maximum fee is $20.00. If your account has a positive balance flat fee is $1.50. Debited to your account when you request a cash advance in Australia. The fee will be debited on the last day of the statement period. |
| EasyPay notification fee - Letter | WITHDRAWAL | $8 | - |
| Information fee | EVENT | $20 | $20.00 plus $1.00 per page copied. Debited to your account when we provide information or copies of documents to you or someone else that relates to your credit card contract or any other record relating to the credit card contract. |
| Bank transfer fee | WITHDRAWAL | $8 | Applicable when receiving an inward RTGS (Real time gross settlement) |
| Default notice fee | EVENT | $50 | Debited to your account when we send you a notice informing you of a default under the credit card contract. |
| EFT transaction fee (RTGS) | WITHDRAWAL | $20 | Applicable when you send an outward RTGS (Real time gross settlement) |
| Replacement card fee | EVENT | $7 | Payable if the card is sent to you in Australia. Payable when you or an additional cardholder request a replacement card before your card has expired, and you have already requested a replacement card in the period between the date on which the most recent annual fee is charged on your account (or if the annual fee is waived, the date on which it would be charged had it not been waived) and the date on which you request a second replacement card. |
| Overseas ATM | WITHDRAWAL | $5 | $5.00 plus Foreign Currency Conversion Fee |
| Annual fee | PERIODIC | $49 | Debited to your account on the last day of the month in which the account is opened and then on the anniversary of that date every year. We will waive the annual fee: 1) When the value of all purchases debited to your account during the period between the debiting of one annual fee and the date of the next annual fee is to be debited equals or exceeds $12,000; 2) If you have paid an annual package fee in respect of your Ultimate Home loan on the date of or since the date that the last annual fee would otherwise have been debited. |
| Information fee - Per Page | EVENT | $1 | Information fee $20.00 plus $1.00 per page copied. Debited to your account when we provide information or copies of documents to you or someone else that relates to your credit card contract or any other record relating to the credit card contract. |
| Overseas cash advance fee | CASH_ADVANCE | 2.00% | If your account has a negative balance at the time you request you will be charged 2.00% of the cash advance amount. The minimum fee is $4.00, the maximum fee is $20.00. If your account has a positive balance flat fee is $4.00. Debited to your account when you request a cash advance through a terminal outside of Australia. The fee will be debited on the last day of the statement period. |
| Telegraphic transfer - Australian Currency (Outgoing International Payment) | WITHDRAWAL | $50 | When transferring in AUD. Fee is inclusive of $40.00 payable to the product issuer, Convera Australia Pty Ltd. |
| Bulk coin purchase fee - In branch | WITHDRAWAL | 2.00% | 2.00% of value (minimum $2.00) |
| Late payment fee | LATE_PAYMENT | $20 | Payable when you miss a payment. The fee will be debited to your account on the last day of the second consecutive statement period in which the minimum repayment is not made and thereafter on the last day of each statement period that the minimum repayment is not made by the due date. |
| Foreign currency deposit fee | DEPOSIT | $5 | - |
| EasyPay notification fee - SMS | WITHDRAWAL | $0.20 | - |
| SMS alert fee | TRANSACTION | $0.20 | Charged for each SMS alert that is sent to you notifying you of account balances and/or other nominated transactions. |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 9.95% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- employment status - Gainfully employed
- otherMust be identifiable in terms of legislative requirements. Lending criteria apply.
- residency status - Australian Residents only
- min income - 20000.00
- min age - 18
- natural person
Limits
- min limit - 1000.00
- max limit - 25000.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-23T14:00:00Z · Product ID: 3220