G&C Mutual Bank Credit Cards

To apply for any of G&C Mutual Bank’s credit cards, you must be able to satisfy the following criteria:

• Be over 18 years of age
• Be an Australian or New Zealand citizen or Australian permanent resident
• Be eligible to work in Australia
• Be employed or receive regular income
• Have a good credit rating
• Not be going through bankruptcy

If you satisfy the above eligibility criteria, you can apply for a G&C Mutual Bank credit card through the G&C Mutual Bank website, by visiting a Mobile Lender or Service Centre or over the phone. 

You may need documentation such as: 

1. Your employment details
2. Your annual income
3. Your usual living expenses
4. Details about assets you own such as a home, car, other belongings, or savings
5. Any debts you currently owe on other credit cards, loans, or overdrafts

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When your card arrives, you’ll need to activate the card before you can use it to make purchases. G&C Mutual Bank says you can activate your card via online banking, the mobile app or calling G&C Mutual Bank.

You can manage your G&C Mutual Bank credit card through online or mobile banking. You can use online or mobile banking to access statements of your savings, view transaction information, and view all of your cards and accounts.

When interest is charged

Interest is charged on purchases when you carry a balance on your G&C Mutual Bank credit card. Interest is charged on cash advances from the date of withdrawal and balance transfers from the date of the transaction. Fees and charges may apply, contact G&C Mutual Bank for more details. 

When interest is not charged

Up to 50 interest-free days currently apply to G&C Mutual Bank credit cards. Interest-free days only apply as long as you have paid the balance in full for the previous month’s statement and for the current month’s statement.

Your credit limit for a G&C Mutual Bank credit card will be determined based on the information you provide in your application, keeping in mind the minimum and maximum credit limits available for each card.

If you wish to change the credit limit on your card, you can apply for this at any time. You can submit the request by emailing or calling G&C Mutual Bank. G&C Mutual Bank may approve or reject such requests based on their lending criteria.

You can close your G&C Mutual Bank credit card account at any time by sending a written request to your nearest branch. Your card balance will need to be repaid in full even after the card is closed, and you will continue to receive monthly statements until your card balance is fully repaid.

If you’re cancelling your credit card with G&C Mutual Bank because you’re struggling financially, contact the financial hardship team to see if they can provide you with a solution.

If you’re cancelling your credit card because you aren’t satisfied with it, consider your other options when it comes to credit cards:

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G&C Mutual Bank was established in 1959 and is a customer-owned bank. Since then, G&C Mutual Bank says it has grown to be one of Australia’s strongest member-owned financial institutions.