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.


The experts agree, with our Low Rate Credit Card being recognised with:

  • Canstar Outstanding Value - Low Rate Credit Card 2019 & 2020
  • Mozo Experts Choice Low Rate Credit Card 2015, 2016, 2017, 2018, 2019 & 2020
  • Money magazine’s Best of the Best Awards 2017, 2018, 2019 & 2020 Cheapest Standard Credit Card - Bank Product

  Mozo Experts Choice 2020 Low Rate Credit Card

Interest rate on purchases

7.49 % p.a. Interest rate
  • Low interest rate on purchases
  • $50 annual fee
  • Up to 50 days interest free

To use your card, you will first have to activate it using one of the 3 options below:

  • Login into Online Banking and select "Activate Your Card" from the "Services" drop down menu at the top of your screen
  • Log into the Mobile App, click the menu button in the top left corner and select "Cards" from the drop down menu
  • Call us on 1300 364 400 and we can assist you over the phone

Call G&C Mutual Bank 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.

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.

The Canstar 5-Star Rating for Outstanding Value Low Rate Credit Card was awarded in October, 2020 for the Low Rate Visa Credit Card in the low rate profile.