G&C Mutual Bank

Compare G&C Mutual Bank credit cards, assessing features, rates, and fees, for an informed decision on your next card.

G&C Mutual Bank credit cards

Balance transfer

N/A

Purchase rate

7.49% p.a. ongoing

Interest-free days

Up to 50 days on purchases

Annual fee

$50.00 p.a. ongoing

Details

  • Benefit from a low 7.49% p.a. interest rate on purchases.
  • Enjoy a modest annual fee of $50 p.a.
  • Get up to 50 interest-free days.

Pros & cons

Pros
  • Low-interest rate.
  • Low annual fee.
  • Up to 50 interest-free days.
  • Visa payWave, New Payment Platform (NPP) and BPAY enabled.
Cons
  • The cash advance rate is 15.49% p.a.
  • No rewards program.
  • No balance transfer offers at present.
G&C Mutual Bank Platinum Visa Credit Card

G&C Mutual Bank Platinum Visa Credit Card

Balance transfer

N/A

Purchase rate

19.99% p.a. ongoing

Interest-free days

Up to 50 days on purchases

Annual fee

$299.00 p.a. ongoing

Details

  • 30,000 Bonus Qantas Points: Earn this bonus when you apply, get approved, and spend $5,000 on eligible transactions within 90 days. Keep your card open for at least 90 days. Terms and conditions apply.
  • 1 Qantas Point per $1 Spent: Earn 1 point for every $1 on eligible purchases, capped at 20,000 points per month.
  • Annual Bonus: Receive 10,000 bonus Qantas Points each year.

Pros & cons

Pros
  • Earn 30,000 bonus Qantas Points when you meet the criteria.
  • Access to Platinum Visa Concierge
  • Additional cardholders at no extra cost.
Cons
  • The annual fee is $299 p.a.
  • A 3% foreign exchange fee applies.

Balance transfer

N/A

Purchase rate

12.49% p.a. ongoing

Interest-free days

Up to 50 days on purchases

Annual fee

$50.00 p.a. ongoing

Details

  • Avail a low 12.49% p.a. interest rate on purchases and enjoy up to 50 interest-free days.
  • Benefit from a low annual fee of $50 p.a.
  • Add 5 additional cards at no extra cost.

Pros & cons

Pros
  • Low ongoing interest rate.
  • Low annual fee.
  • Up to 50 interest-free days.
Cons
  • The cash advance rate is 19.49% p.a.
  • Doesn't earn rewards.
  • No balance transfer offer.

Applying for a G&C Mutual Bank Credit Card

To apply for a G&C Mutual Bank credit card, you will need to meet certain eligibility criteria set by the bank.

While specific requirements may vary depending on the card you choose, typical eligibility criteria for G&C Mutual Bank credit cards may include:

  • Age Requirement: Applicants must be over the age of 18 to apply for a credit card.
  • Residency: Applicants are usually required to be Australian citizens or have appropriate residency status.
  • Income: G&C Mutual Bank may have minimum income requirements that applicants need to meet to qualify for a credit card.
  • Credit History: The bank will assess the applicant's credit history to determine creditworthiness and risk. A higher credit score is more favourable.

Help choosing a G&C Mutual Bank credit card

Access tailored assistance to select the ideal G&C Mutual Bank credit card, perfectly aligned with your financial goals and lifestyle preferences.

  • FAQs

What types of credit cards does G&C Mutual Bank offer?

G&C Mutual Bank provides a low-rate card, a platinum card, and a business card, all with competitive interest rates. Card availability may vary, so it’s best to visit the bank’s website for the latest offerings.

How can I apply for a G&C Mutual Bank credit card?

You can apply for a G&C Mutual Bank credit card online through the bank's website or by visiting a physical branch. Make sure to have the necessary documents and information ready, such as proof of identity, income details, and residency status.

What are the interest rates on G&C Mutual Bank credit cards?

The interest rates on G&C Mutual Bank credit cards can vary depending on the specific card and the applicant's creditworthiness. It is recommended to check the current interest rates for the card you are interested in before applying.

Do G&C Mutual Bank credit cards have any additional fees?

Some G&C Mutual Bank credit cards may have additional fees, such as annual fees or fees for certain transactions. Make sure to review the fee schedule for the card you are considering to understand any potential costs involved.

Can I manage my G&C Mutual Bank credit card account online?

Yes, G&C Mutual Bank offers online account management for credit card customers. You can log in to your account online to view transactions, make payments, set up alerts, and access other account services conveniently.

Are there any special offers or promotions for G&C Mutual Bank credit cardholders?

G&C Mutual Bank may periodically offer special promotions or deals for credit cardholders, such as bonus rewards points, cashback offers, or discounted interest rates. Keep an eye on the bank's website or communication channels for any ongoing offers.

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