Our award-winning Low Rate Visa Credit Card features one of the lowest ongoing purchase rates in the market. And with up to 50 days interest free and a low annual fee, it all adds up to great value.


Use it wherever the Visa logo is displayed to withdraw cash and make purchases online, in-store and over the phone within Australia or throughout the world.


You can now add your Low Rate Visa Credit Card to your Digital Wallet to pay securely and conveniently on the go using your phone or wearable device.

Interest rate on purchases

7.49 % p.a. Interest rate

Product Features:

Credit Card Features
Minimum credit limit : $1,000
Maximum credit limit : $75,000
Interest free period : Up to 50 days on purchases
Purchases interest rate : 7.49% p.a.
Cash advance rate : 15.49% p.a.
Repayment frequency : Minimum monthly repayment is the greater of 3% of the amount of the closing balance, or $20
Balance transfer available : No
Reward points : No
Online/phone banking & app access : Yes
Annual fee : $50
Cash advance fee : $5
Foreign currency conversion rate : 3.00% of transaction value in $AUD
Card replacement fee (Australia) : $15
Card replacement fee (Overseas or priority order) : $35
Emergency card : At cost

If your card requires activation, you can do so using one of the following options:

  • Log into Online Banking and select "Card Activation" from the "Settings & Security" drop down menu at the top of your screen
  • Log into our Mobile App and select "Activate Card" from the "Cards" menu at the bottom of your screen
  • Call us on 1300 364 400 and we can assist you over the phone

Lock your card

  • Log into our Mobile App and select "Cards" from the Menu and select "Lock Card"


Report lost, stolen or captured card

  • Please contact us immediately if your G&C Mutual Bank credit or debit card is lost, stolen or captured. Call us on 1300 364 400, 24 hours a day, 7 days a week.
  • For overseas assistance, call us on +61 2 9307 5400 or contact Visa Global Customer Assistance +1 303 967 1090 (international) or the VISA International Hotline specific to the country you are in.
  • Email us with the subject: URGENT lost or stolen card
  • Contact us before you travel overseas so we can monitor your account more closely. You will also avoid transactions on your cards being stopped by us when we detect overseas purchases. We will need to know your departure date, return date, destination and contact details while you’re away.
  • Alternatively, you can complete the Overseas Travel Form within our Mobile App.
  • Read more about staying financially safe overseas to ensure your travels are memorable for all the right reasons.

Our awards

Our Low Rate Visa Credit Card has achieved great success being independently recognised by finance industry experts Mozo and Canstar for offering outstanding value, with a low rate, competitive features and low fees.