At just 15.49%p.a.*, it really is a card you can use everyday.
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Additional cardholders at no extra cost? No problem.
If you'd like your partner or family member to enjoy the convenience of your GE Money Low Rate MasterCard, free additional cards are available on your account. With all the cards transactions on the one monthly statement, it's easy to track shopping and expenses.
Can I contact the GE Money Low Rate MasterCard team by email?
The GE Money Low Rate MasterCard team don't currently handle enquiries by email, but you can call us on 1300 721 394.
How much money can I balance transfer from my existing credit card?
You can transfer any amount up to the available credit on your account (subject to a minimum of $100.) See your Balance Transfer Conditions for more information.
How much cash can I withdraw on my GE Money Low Rate MasterCard?
Subject to your available credit, you can withdraw up to $1000 per day at an ATM and up to $3000 per day over the counter. Some financial institutions may also limit the amount of cash you can withdraw through their facilities.
What are the approval criteria for the GE Money Low Rate MasterCard?
Like most financial companies, we work on a credit check system to make sure that we are identifying the right person, to prevent fraud. Our lending criteria take many factors into consideration. We can't provide specific details on our criteria. However, if you're declined for this product, we'll advise you of this in writing.
What will my credit limit be?
Our lending criteria takes into account many different factors. The information that you supply in your application will assist us in determining your credit limit, and if your application is approved, we will let you know your credit limit in your welcome pack.
How can I request a credit limit increase on my GE Money Low Rate MasterCard?
Simply log into our GE Money Low Rate MasterCard Online Service Centre, which is available 24 hours a day at no cost to you. Enter the new credit limit into the Credit Limit Increase page and if approved, your increase will take place immediately. To register for the Online Service Centre click here.
Alternatively you may request to have the Credit Limit Increase Request Form mailed to you. Simply call our Customer Solutions team on 1300 721 394.
When can I expect to receive an answer on my application?
If you apply online, we can give an answer on your application within seconds in most instances. If you mail us your application, it will take approximately 10 working days from receipt of your application to receive an answer from us in writing.
Who do I call if I want to track my application?
You can call our Customer Care Centre on 1300 721 394 to check on your application status.
I have an existing GE Money credit card. Can I transfer my balance to GE Money Low Rate MasterCard?
No, you can't transfer a balance from another GE Money card.
How long is the 4.99% p.a. Balance Transfer rate available for?
The 4.99% p.a. rate is available for 6 months from the date your account is opened. Unpaid balance transfers at that date will revert to the standard annual percentage rate, currently 15.49%.
How do I activate my credit card?
When you receive your card, you will need to activate it. Call our Customer Care Centre on 1300 721 386 and follow the prompts. Don't forget to sign your card immediately!
How can I avoid late fees on my account?
Always make sure your minimum monthly payment is made on time. For more information on how to avoid fees click here.
What do I do if I cannot afford to make my repayments?
If you are having difficulty making your minimum monthly repayments please talk to us. GE has a hardship policy which may allow us to tailor a solution to your situation. Please refer to GE’s hardship page for more details.
Can I manage my account online?
Yes, the GE Money Low Rate MasterCard Online Service Centre allows you to manage your account 24 hours a day. This service allows you to check your account status and transaction history, maintain your account profile and request a credit limit increase. It also allows you to grant access to your additional cardholders, enabling them to manage the account too.
What is the Online Service Centre?
The Online Service Centre is a facility allowing you to manage your account online, 24 hours a day. Register here.
Are there any countries where I can't use my card?
Yes, your card will not be accepted in Cuba, Sudan, North Korea, Burma and Iran. This information is correct as at 18 April 2008.
If you'd like your partner or family member to enjoy the convenience of your GE Money Low Rate MasterCard, free additional cards are available on your account. With all the cards transactions on the one monthly statement, it's easy to track shopping and expenses.
Can I contact the GE Money Low Rate MasterCard team by email?
The GE Money Low Rate MasterCard team don't currently handle enquiries by email, but you can call us on 1300 721 394.
How much money can I balance transfer from my existing credit card?
You can transfer any amount up to the available credit on your account (subject to a minimum of $100.) See your Balance Transfer Conditions for more information.
How much cash can I withdraw on my GE Money Low Rate MasterCard?
Subject to your available credit, you can withdraw up to $1000 per day at an ATM and up to $3000 per day over the counter. Some financial institutions may also limit the amount of cash you can withdraw through their facilities.
What are the approval criteria for the GE Money Low Rate MasterCard?
Like most financial companies, we work on a credit check system to make sure that we are identifying the right person, to prevent fraud. Our lending criteria take many factors into consideration. We can't provide specific details on our criteria. However, if you're declined for this product, we'll advise you of this in writing.
What will my credit limit be?
Our lending criteria takes into account many different factors. The information that you supply in your application will assist us in determining your credit limit, and if your application is approved, we will let you know your credit limit in your welcome pack.
How can I request a credit limit increase on my GE Money Low Rate MasterCard?
Simply log into our GE Money Low Rate MasterCard Online Service Centre, which is available 24 hours a day at no cost to you. Enter the new credit limit into the Credit Limit Increase page and if approved, your increase will take place immediately. To register for the Online Service Centre click here.
Alternatively you may request to have the Credit Limit Increase Request Form mailed to you. Simply call our Customer Solutions team on 1300 721 394.
When can I expect to receive an answer on my application?
If you apply online, we can give an answer on your application within seconds in most instances. If you mail us your application, it will take approximately 10 working days from receipt of your application to receive an answer from us in writing.
Who do I call if I want to track my application?
You can call our Customer Care Centre on 1300 721 394 to check on your application status.
I have an existing GE Money credit card. Can I transfer my balance to GE Money Low Rate MasterCard?
No, you can't transfer a balance from another GE Money card.
How long is the 4.99% p.a. Balance Transfer rate available for?
The 4.99% p.a. rate is available for 6 months from the date your account is opened. Unpaid balance transfers at that date will revert to the standard annual percentage rate, currently 15.49%.
How do I activate my credit card?
When you receive your card, you will need to activate it. Call our Customer Care Centre on 1300 721 386 and follow the prompts. Don't forget to sign your card immediately!
How can I avoid late fees on my account?
Always make sure your minimum monthly payment is made on time. For more information on how to avoid fees click here.
What do I do if I cannot afford to make my repayments?
If you are having difficulty making your minimum monthly repayments please talk to us. GE has a hardship policy which may allow us to tailor a solution to your situation. Please refer to GE’s hardship page for more details.
Can I manage my account online?
Yes, the GE Money Low Rate MasterCard Online Service Centre allows you to manage your account 24 hours a day. This service allows you to check your account status and transaction history, maintain your account profile and request a credit limit increase. It also allows you to grant access to your additional cardholders, enabling them to manage the account too.
What is the Online Service Centre?
The Online Service Centre is a facility allowing you to manage your account online, 24 hours a day. Register here.
Are there any countries where I can't use my card?
Yes, your card will not be accepted in Cuba, Sudan, North Korea, Burma and Iran. This information is correct as at 18 April 2008.
MasterCard SecureCode - Frequently Asked Questions
What is MasterCard SecureCode?
MasterCard SecureCode – is a new security measure that verifies your purchases in real time, whenever you shop online. Verification helps to reduce credit card fraud and unauthorised credit card use.
MasterCard SecureCode adds an extra layer of protection by helping to confirm your identity through either a security code or through security questions, during select online transactions. MasterCard SecureCode lets you enjoy extra security and peace of mind when shopping online at participating merchants.
How does MasterCard SecureCode work?
MasterCard SecureCode performs a real-time risk assessment on transactions made at participating online retailers. In most cases you won't notice any change, however, on some transactions we may prompt you to enter a six-character security code, which will be sent to you instantly via SMS. This is to ensure that the transaction you are about to make is authorised by you.
When you make an online purchase at a participating merchant, a page may automatically appear asking for a unique security code or answers to security questions. This is similar to the way your bank asks for your PIN at the ATM. When you correctly enter the code (or answer the security questions) your card issuer confirms that you are the authorised cardholder and your purchase continues.
How does MasterCard SecureCode protect me?
When you correctly enter the security code (or answer the security questions) during an online purchase at a participating merchant, you confirm that you are the authorised cardholder and your purchase continues. If the security questions are answered incorrectly, the purchase will not go through. So even if someone knew your card number, they would not be able to use your account at that merchant.
How will MasterCard SecureCode impact my purchase?
Aside from the added protection that MasterCard SecureCode provides, the only impact to your purchase will be that you will need to enter the security code (or answers to the security questions) when the authentication screen appears, and then wait a few seconds while your card issuer (GE Money) confirms your identity.
Will I be able to purchase at merchants that accept MasterCard but do not participate in the MasterCard SecureCode service?
Yes, but you will not be asked to enter a security code (or answer security questions) at these merchants. To complete your purchase, simply follow the traditional checkout process.
Why am I seeing this MasterCard SecureCode screen?
This authentication screen may appear when you are shopping online at participating MasterCard SecureCode merchants. Once you have confirmed your identity by correctly entering either the security code (or answering the security questions) that are on the page, you will be able to continue with your purchase.
What happens if I don't receive a security code?
If you don't receive a security code, this may mean that the mobile number that is registered to your account is not up to date. You can still proceed with your transaction by selecting the button "I didn't receive a code" which will direct you to the security questions that are personal to you and your account. Once you have answered the security questions correctly you will be able to continue with your purchase.
How do I update my mobile number?
To update your mobile number please visit the Online Service Centre or contact Customer Solutions on 1300 721 394.
Can I complete this transaction without confirming my identity?
If you are not able to confirm your identity through either the security code that is sent to your mobile or the security questions, unfortunately you will not be able to proceed with your purchase at this time.
MasterCard SecureCode – is a new security measure that verifies your purchases in real time, whenever you shop online. Verification helps to reduce credit card fraud and unauthorised credit card use.
MasterCard SecureCode adds an extra layer of protection by helping to confirm your identity through either a security code or through security questions, during select online transactions. MasterCard SecureCode lets you enjoy extra security and peace of mind when shopping online at participating merchants.
How does MasterCard SecureCode work?
MasterCard SecureCode performs a real-time risk assessment on transactions made at participating online retailers. In most cases you won't notice any change, however, on some transactions we may prompt you to enter a six-character security code, which will be sent to you instantly via SMS. This is to ensure that the transaction you are about to make is authorised by you.
When you make an online purchase at a participating merchant, a page may automatically appear asking for a unique security code or answers to security questions. This is similar to the way your bank asks for your PIN at the ATM. When you correctly enter the code (or answer the security questions) your card issuer confirms that you are the authorised cardholder and your purchase continues.
How does MasterCard SecureCode protect me?
When you correctly enter the security code (or answer the security questions) during an online purchase at a participating merchant, you confirm that you are the authorised cardholder and your purchase continues. If the security questions are answered incorrectly, the purchase will not go through. So even if someone knew your card number, they would not be able to use your account at that merchant.
How will MasterCard SecureCode impact my purchase?
Aside from the added protection that MasterCard SecureCode provides, the only impact to your purchase will be that you will need to enter the security code (or answers to the security questions) when the authentication screen appears, and then wait a few seconds while your card issuer (GE Money) confirms your identity.
Will I be able to purchase at merchants that accept MasterCard but do not participate in the MasterCard SecureCode service?
Yes, but you will not be asked to enter a security code (or answer security questions) at these merchants. To complete your purchase, simply follow the traditional checkout process.
Why am I seeing this MasterCard SecureCode screen?
This authentication screen may appear when you are shopping online at participating MasterCard SecureCode merchants. Once you have confirmed your identity by correctly entering either the security code (or answering the security questions) that are on the page, you will be able to continue with your purchase.
What happens if I don't receive a security code?
If you don't receive a security code, this may mean that the mobile number that is registered to your account is not up to date. You can still proceed with your transaction by selecting the button "I didn't receive a code" which will direct you to the security questions that are personal to you and your account. Once you have answered the security questions correctly you will be able to continue with your purchase.
How do I update my mobile number?
To update your mobile number please visit the Online Service Centre or contact Customer Solutions on 1300 721 394.
Can I complete this transaction without confirming my identity?
If you are not able to confirm your identity through either the security code that is sent to your mobile or the security questions, unfortunately you will not be able to proceed with your purchase at this time.
*Approved applicants only. Conditions fees and charges apply. Interest rates are current as at and are subject to change.
The current standard annual percentage rate is 15.49% p.a. and the current cash annual percentage rate is
20.99% p.a.
Low Rate MasterCard is a credit facility provided by GE Capital Finance Australia (ABN 42 008 583 588), trading as GE Money. Australian Credit Licence Number 392145.