Greater Bank Visa Credit Card
Highlights
- A competitive variable interest rate of 9.95% p.a. on purchases and cash advances.
- Low annual fee of $49 p.a.
- Up to 55 days interest-free on card purchases.
Pros and cons
Pros
Cons
History
Our review
Convenience
Customer service
Rates and fees
Rewards
Trust
The basics
- Additional cardholders. You can add one additional cardholder to this card for an initial fee of $5. The account holder will be responsible for managing the account and repayments.
- Digital wallets. Supports Apple Pay and Google Pay digital wallets.
- Gambling transactions. Greater Bank has blocked gambling-related transactions.
Rewards and benefits
- Complimentary travel insurance. The Greater Bank Visa Credit Card does not include complimentary international travel insurance.
- Concierge services. The Greater Bank Visa Credit Card does not offer any concierge service.
- Insurances. Coverage such as domestic hotel burglary insurance, extended warranty insurance, international travel insurance, price protection insurance, purchase protection insurance, and transport accident insurance is not offered.
- Rewards points. This credit card does not have a rewards program.
- Sign up bonus. There is no sign up bonus for this card at this time.
Rates and fees
- Annual fee. The ongoing annual fee for this card is $49 but is waived when you spend over $12,00 within a year.
- Balance transfers. There is no introductory offer on balance transfers.
- Cash advances. Charged at the rate of 9.95% p.a. from the transaction date.
- Foreign exchange fee. All purchases made while overseas or online in a foreign currency will incur a 3% fee.
- Interest-free period. Get up to 55 days interest-free on all your purchases (cash advances excluded) when you pay off the total balance or have made the minimum required payments.
- Purchases. There is currently no introductory offer on purchases. The rate of 9.95% p.a. will be applied to any purchases that are carried over. This rate is competitive with other cheap, no-frills cards.
Reviewed by Nilooka Dissanayake
Writer
User reviews
Convenience
Customer service
Rates and fees
Rewards
Trust
The Greater is great
Reviewed by Brian Rattray
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.
Low rate! Great option for a credit card
Reviewed by Peta Andersen
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!
Trustworthy, and great customer service
Reviewed by jamie
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.
Great starter card
Reviewed by Courtney
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.
A card from a good bank
Reviewed by Cas
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.
Low fees, good service, no over-limit penalties
Reviewed by Margie
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.
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