Goldfields Money Credit Cards

goldfields_logo

Discover the benefits of a Goldfields Money credit card

Goldfields Money Limited began operations in the form of Goldfields Credit Union, and over the course of its three-decade history transformed from a credit union to a financial institution listed on the Australian Securities Exchange. What this essentially means is that Goldfields Money now offers all the services a bank does, as well as the associated security.

Goldfields Money has branches in Kalgoorlie and Esperance, with their expansion into Perth beginning with the opening of a branch in the suburb of Claremont. This financial institution offers everyday and savings accounts, term deposits, business accounts, home loans, personal loans, car loans, business loans, credit cards, and more.

Types of credit cards offered by Goldfields Money

Goldfields Money Limited provides two MyCard MasterCard options, with both these cards offering the flexibility and convenience linked with MasterCard credit cards.

  • Low rate credit cards

The biggest draw of a typical low rate card is its low ongoing interest rate, which can be particularly useful when you carry over balances from one billing cycle to the next. Compare these cards by their low cost features. The Low Rate MyCard MasterCard that you can apply for through Goldfields Money comes with many money-saving features, such as an introductory rate on balance transfers and up to 55 interest-free days on purchases.

Rates last updated September 29th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 18 months $59 p.a. Up to 55 days on purchases Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
11.99% p.a. $0 p.a. Up to 55 days on purchases Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
Newcastle Permanent Value+ Credit Card
Enjoy a competitive annual fee and interest rates on purchases, cash advances, and balance transfers.
11.49% p.a. $49 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
Westpac 55 Day credit card
Enjoy a balance transfer offer of 0% p.a. for 16 months, an introductory purchase rate of 1% p.a. for up to 12 months, plus a waived annual fee for the first year if applied by 11 October 2016.
1% p.a. for 12 months (reverts to 19.84% p.a.) 0% p.a. for 16 months $0 p.a. annual fee for the first year ($30 p.a. thereafter) Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
9.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Take advantage of this exclusive offer and enjoy 0% p.a. for the first 12 months on balance transfers and 0% p.a. for the first 3 months on purchases.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $30 p.a. Up to 44 days on purchases Go to site More info
ANZ Low Rate
Save on your existing credit card interest with 0% for 18 months on balance transfers with a low annual fee and low ongoing purchase rate.
13.49% p.a. 0% p.a. for 18 months with 3% balance transfer fee $58 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
Learn more about low rate credit cards

  • Platinum credit cards

A platinum card allows you to earn and redeem rewards points in accordance to your spending, and such a card tends to offer other extras as well. With the premium features you get with these cards, you should keep in mind the card’s value for money with regards to its features. With the Platinum MyCard MasterCard, you get free enrolment to the Card Services Rewards Program and 24/7 access to a platinum concierge service. A special introductory interest rate offer is also in place for purchases and balance transfers.

Rates last updated September 29th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Up to 55 days on purchases Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months and a low 0% p.a. for 18 months on balance transfers. Receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Up to 44 days on purchases Go to site More info
Citi Qantas Signature Credit Card
Earn up to 70,000 bonus Qantas Points on eligible spend, plus enjoy a 0% p.a. for 6 months offer on balance transfers.
20.99% p.a. 0% p.a. for 6 months $99 p.a. annual fee for the first year ($395 p.a. thereafter) Up to 55 days on purchases Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive $200 back when you spend $500 in the first 3 months. Also enjoy a $0 annual fee for the first year.
19.74% p.a. $0 p.a. annual fee for the first year ($87 p.a. thereafter) Up to 55 days on purchases Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Up to 55 days on purchases Go to site More info
Citi Rewards Credit Card - Platinum Card
Enjoy a long term balance transfer offer and earn 1.25 Citi Reward Points on per $1 spent for all domestic purchases.
20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $199 p.a. annual fee for the first year ($249 p.a. thereafter) Up to 55 days on purchases Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Also receive a complimentary Virgin Australia domestic economy return flight every year.

20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Up to 55 days on purchases Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Up to 44 days on purchases Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points after first eligible purchase is made within three months. Earn up to 1.5 Qantas Points per $1 spent on purchases.
19.99% p.a. $295 p.a. Up to 55 days on purchases Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
20.24% p.a. $225 p.a. Up to 55 days on purchases Go to site More info
American Express Qantas Premium Card
Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $249 p.a. Up to 44 days on purchases Go to site More info
Citi Rewards Platinum Card - Cashback Offer
Earn $250 cashback on eligible spend, plus enjoy 0% p.a. balance transfer offer for 12 months, discounted annual fees for the life of the card and a complimentary travel insurance.
20.99% p.a. 0% p.a. for 12 months $99 p.a. annual fee for the first year ($199 p.a. thereafter) Up to 55 days on purchases Go to site More info
American Express Platinum Card
Receive 80,000 Membership Rewards Bonus Points when you meet the minimum spend requirement and earn up to 3 points per dollar spent. Gain access to travel insurance, $300 Platinum Travel Credit every year and access to 800 VIP airport lounges.
$1,200 p.a. Up to 44 days on purchases Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
An interest-free period on both purchases and balance transfers.
0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Up to 44 days on purchases Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Receive 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
20.74% p.a. 0% p.a. for 6 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Up to 44 days on purchases Go to site More info
ANZ Rewards Platinum
Enjoy accelerated points earning and great Platinum features with ANZ Rewards Platinum card. Also offering 50,000 Reward Points after your first eligible purchase is made within 3 months of card approval.
18.79% p.a. $95 p.a. Up to 55 days on purchases Go to site More info
American Express Qantas Ultimate Card
Enjoy 50,000 bonus Qantas Points when you meet the minimum spend requirement and earn up to 3 Qantas Points for every $1 spent. Also enjoy a complimentary return flight every year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Up to 44 days on purchases Go to site More info
ANZ Low Rate Platinum Credit Card
Platinum card perks with a low ongoing interest rate.
13.49% p.a. 0% p.a. for 18 months with 3% balance transfer fee $99 p.a. Up to 55 days on purchases Go to site More info
28 Degrees Platinum MasterCard
Benefit from no international transaction fees on purchases, no currency conversion fees and no annual fee.
21.99% p.a. 4.99% p.a. for 6 months $0 p.a. Up to 55 days on purchases Go to site More info
David Jones American Express Platinum Card
Receive 40,000 Membership Rewards points or 30,000 Qantas Points. Plus earn up to 4 rewards point per $1 spend.
20.74% p.a. $295 p.a. Up to 44 days on purchases Go to site More info

Learn more about platinum credit cards

Benefits of getting a Goldfields Money credit card

When you deal with this financial institution you can look forward to a high level of customer service coupled with flexibility in decision-making. Getting a credit card through Goldfields Money comes with numerous advantages.

  • Save on rates and fees

Both the low rate and platinum cards charge annual fees, but if you apply before a certain date a discounted fee will apply. The low rate card also offers an introductory balance transfer rate for the first nine months, while the platinum card comes with a 0% p.a. interest rate on balance transfers and purchases. This promotional rate also applies for the first nine months.

  • Protection with complimentary insurance

With the low rate card, you receive protection through a guaranteed pricing scheme and purchase cover insurance. These come with the platinum card too, and this card also includes complimentary extended warranty insurance, transit accident insurance, interstate flight insurance, and international travel insurance.

  • Platinum benefits

As a platinum cardholder you’ll have access to premium services, like your own personal concierge. Through this service you can make your life a little easier by having assistance with hotel reservations, booking flights, and booking tickets to different events.

How to apply for a Goldfields credit card

You can apply for a Goldfields credit card by pressing the ‘Go to Site’ button which will redirect you to a secure web form. Please see the following application criteria for eligibility.

Application criteria

  • You’re over 18 years of age
  • You’re an Australian citizen or a permanent Australian resident
  • You don’t have bad credit history
  • You earn at least $25,000 p.a. if you want to apply for the low rate card, and at least $35,000 to apply for the platinum card

Required documents

  • Personal details. Start by providing personal information such as your name, driver’s license number, marital status, and the like.
  • Contact details. This section requires your address and contact information, such as phone numbers.
  • Job details. Select your occupation and industry and provide your employer’s name and contact details. You’ll also need to mention how long you’ve been with your current employer.
  • Income and expenses. Income refers to income you earn from all sources, and expenses include your regular living expenses as well as any other recurring expenses. This section also requires details about all your existing debts and liabilities.

After applying

Once you submit your application, Card Services reviews it, and a Card Services rep might contact you for further information. An income verification call may go to your employer, and if the payroll department knows of this call in advance it can help move the process a little quicker. If you’re new with Goldfields Money you’ll have to complete a legally required identity verification process, which might entail a trip to a Goldfields Money branch.

Frequently asked questions

Some questions about Goldfields Money credit cards appear more frequently than others, and the answers to these are listed below. To leave behind a question, use the form at the end of this page.

How can I make payments towards my Goldfields Money credit card?

One option is to set up automatic payments using a Goldfields Money everyday or savings account, and you can also do this using a savings or transaction account from any other Australian financial institution. You can make repayments using the Goldfields Money net, mobile, or phone banking platforms. You can also post cheques or make payments via BPAY.

How long does the application take to process?

It can take Card Services up to three weeks to process your application and mail your credit card.

How can I apply for a balance transfer?

You can provide all the required details through your original credit card application, or you can provide these details when a Card Services rep contacts you to inform you of the card’s conditional approval.

What credit limit might I get?

Your credit limit depends on multiple factors, and both low rate and platinum cards come with different minimum and maximum credit limits.

Can I apply for an increase in my card’s credit limit?

Yes, but for a successful credit limit increase application you have to fulfill certain credit criteria.

How can I get an additional card?

You can get up to four additional cards, and additional cards linked to platinum cards earn reward points.

How do I earn reward points?

Platinum cardholders, and linked additional cardholders, earn reward points when they make eligible retail purchases, which can be in brick-and-mortar establishments as well as online and over the phone. Every dollar spent on such purchases earns 1.25 reward points.

How many points can I earn?

As a platinum cardholder you can earn as many as 100,000 reward points every year. Your points never expire.

Can anyone redeem my reward points?

The primary and first additional cardholders get automatic authority to redeem reward points, and the primary cardholder can grant this permission to other additional cardholders too.

How do I redeem my reward points?

Visit the Card Services website to redeem your points, and you can also do so by calling Card Services. You can redeem points for travelling through Take Flight, through frequent flyer programs, in the form of cashback or also by choosing travel and store vouchers.

How do I report a lost or stolen card?

To report a lost or stolen card you should call Card Services immediately.

Back to top
Was this content helpful to you? No  Yes

Ask a Question

You are about to post a question on finder.com.au

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

Credit Cards Comparison

Rates last updated September 29th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

Ask a question
feedback