The Greater Visa Credit Card

With a Greater Visa Credit Card you can safely and securely purchase goods in-store and online 24 hours a day. Visa is widely accepted around Australia and the world. With a credit card from The Greater you'll also pay much lower interest rate than the average bank-issued credit card. You can download an application form here.

Key Features and Benefits

• A low interest rate - from 9.25% (subject to our assessment criteria).
• A low $40 annual fee but you pay NO FEE if you spend a minimum of $10,000 annually after the first year. Credit card fees and charges
• Up to 55 days interest free on purchases if you pay the full balance shown on your statement each month
• FREE Internet Banking, Phone Banking and Mobile Banking
• BPAY®
• Visa is accepted worldwide
• Chip technology for added security
• The option of Verified by Visa for added security
• View our Credit Card Key Fact Sheet.

Applying is easy

• Download an application form
• Visit your nearest branch

Credit Card Limit Increase

You can apply to increase the limit on your credit card through Internet Banking if you are already a registered Internet Banking user. Alternatively, you can download the credit card increase form here. Download the credit card limit increase form here.

To find out more about the Greater Visa Credit Card, call us on 1300 651 400.

Chip technology for added security

Your Greater Visa Credit Card comes with a microchip for improved security. When shopping, you may need to insert your card into the terminal for the duration of the transaction instead of swiping the magnetic strip. You still have the option of either signing the receipt or entering your PIN. You still use the ATM in the same way you would use a magnetic stripe card. If you are travelling overseas, we strongly recommend that you have a PIN on your chip card.

More tips on credit and debit card security

Our tips for avoiding credit card debt

• Limit the number of cards you own. Remember store charge cards are effectively credit cards.
• Pay your card off in full each month to avoid interest. If you can't pay it all off, pay as much as you can and never pay just the minimum amount on your statement.
• If you get in to trouble with your card, contact us straight away.
• Consider redrawing off your home loan or taking out a personal loan to pay off that debt (those rates should be lower than the credit card rate).
• Unless you spend at least $1,000 per month, reward point credit cards, which often come with higher annual fees and rates, are not always worth it. You need to spend big money and avoid interest charges to get value from them.
• Cards that offer no interest balance transfers are good if you can repay your whole debt within the interest free period. If not, they're only a short term fix.

Subject to the Greater Building Society lending criteria. Conditions, fees and charges apply. View our Credit Card Conditions of Use.