Greater Bank Credit Cards
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Greater Bank, previously known as Greater Building Society, is a customer-owned bank and mutual financial institution headquartered in Hamilton, QLD.
The bank provides services to customers in NSW, QLD and ACT only. Its finance products include credit cards, bank accounts, home loans and personal loans, among others.
Customer service is available through branches, its own ATM network, access to the Westpac ATM network, internet and mobile banking, and a customer service call centre.
Greater Bank credit cards rates
Product Name Card
Interest Free Days
Max Free Days
Late Payment Fee
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Interest Free Days
Greater Bank Visa Credit Card
Max Free Days
- Moderately low interest rate
- Moderately low annual fee
- Visa Offers program
- No balance transfer deal
- No rewards program
- No additional perks
About Greater Bank credit cards
Greater Bank is a relatively small financial institution, and as at the time of writing, only offers one credit card: the Greater Bank Visa credit card.
Greater Bank’s credit card comes with a moderately low interest rate and moderately low annual fee. It also comes with a moderate late payment fee and a moderate number of interest-free days.
There is no rewards program or frequent flyer program associated with Greater Bank credit cards. However, cardholders can take advantage of Visa Offers for discounts and deals on dining, events, accommodation and more.
Greater Bank credit cards don’t offer a balance transfer deal, complimentary insurance coverage or other travel perks.
Customers wanting to add additional cardholders can request supplementary cards for a fee. The minimum credit limit on the Greater Bank Visa card is low.
Greater Bank credit cards review
Greater Bank’s credit card offering is limited, and therefore suitable for a specific type of customer: people looking for a standard credit card with no bells or whistles.
As Greater Bank only serves customers in NSW, QLD and ACT, Greater Bank credit cards aren’t an option for people residing in other states in Australia.
While Greater Bank credit cards come with a moderately low interest rate and a moderately low annual fee, it isn’t the cheapest credit card provider on the market.
Likewise, there aren’t many perks to speak of – such as a balance transfer offer, rewards program or complimentary insurance – aside from Visa Offers, which is available with any Visa credit card.
As such, a credit card from Greater Bank would probably only appeal to customers who do all their banking with Greater Bank.
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Paying or transferring debt from one lender to the other is called a balance transfer. This involves transferring part or all of the debt from a credit card with one lender to a credit card with another. As part of the process, your new lender will pay out the old lender, so that you now owe the same amount of money but to a new institution.
Many credit card providers offer an interest-free period on balance transfers to help new applicants better handle their debt. During this period, cardholders are not required to pay interest on the debt they brought over from the other card. This can be a great opportunity for consumers to pay off credit card debt with no interest. There are often fees associated with balance transfers; normally, these are a percentage of the amount transferred.
So make sure you read the terms and conditions of the card before transferring any debt across.
For most Australians, there are no great barriers to applying for and getting approved for a credit card. Here are some points that a lender will consider when assessing your credit card application.
Credit score: A bad credit score is not the be all and end all of your application, but it may stop you being approved for a higher credit limit. If your credit score is less than perfect, apply for the credit limit that you need, rather than the one you want.
Annual income: Most credit cards have minimum annual income requirements. Make sure you’re applying for a card where you meet the minimum.
Age & residency: You need to be at least 18 years old to apply for a credit card in Australia, and most require that you are an Australian citizen or permanent resident. However, there are some credit cards available to temporary residents.
There is no one-size-fits-all best rewards credit card. It's best you research what type of rewards program you'd like, as well as the fees, interest rate and conditions associated with those types of cards before making a choice.
Rewards credit cards can also come with high annual fees that may end up nullifying the rewards, so think how often you use the card to decide whether the benefits outweigh the extra cost for you. A card with a lower annual fee might require a lot of spending to get any useful rewards, while another card with a higher annual fee might need fewer purchases to get a reward.
Looking to get your first credit card? You might be confused as to exactly where to go to apply for one. Here’s where to go when you are ready to put in that application.
The bank: Your bank is a great place to start, provided that you have a good banking history. Since you already have a financial history, you have more chance of your application being approved.
Credit card provider: Another option is to apply for a credit card directly from the issuer, such as Visa, Mastercard or Amex. This will most likely be an online application, so do your research and apply for a suitable card for your circumstances.
Major retailers: Coles, Woolworths, Myer and David Jones all have credit cards available. But watch out for the interest rate and annual fees – these cards are designed to help you spend more in store.