The Mutual Bank
Mutual Visa Credit Card
A low interest rate credit card.
Credit cardsBank updated 15 July 2026
At a glance
- Purchase rate
- 12.49%
- Cash advance
- 12.49%
- Interest-free days
- 55
- Annual fee
- $49
- Foreign transaction fee
- 3.00%
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advance | — | — | — | 12.49% | — | — |
| Purchase | — | — | — | 12.49% | — | — |
§ 02 — Fees · 10
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| ATM_OWNER_FEE | Cash advance | Varies | — | This fee amount is disclosed at the time of the ATM transaction and charged by the ATM owner for an ATM transaction including an ATM enquiry. |
| DEFAULT_FEE | Event | $50 | — | Payable to us when we send you a notice of default under the contract. |
| DISHONOUR_FEE_CREDIT_CARD | Event | $9 | — | Payable to us when a payment to or from your account is dishonoured. |
| DOCUMENT_FEE | Event | $60 | — | $60.00 per hour (subject to minimum $10.00 per copy). Payable if you request copies of documents such as withdrawal forms or statements, or you ask us to verify a transaction performed on your Accoun… |
| LATE_PAYMENT_FEE | Event | $10 | — | Payable to us if you do not make a required payment by the due date in any month. |
| OVERDRAWN_FEE | Event | $9 | — | If your Account is overdrawn, without our prior agreement, a fee will be charged each time this occurs. Penalty interest (at the rate disclosed on the Deposit Interest Rate Schedule) will also be cha… |
| REPLACEMENT_CARD_FEE_(AUSTRALIA) | Event | $10 | — | Payable if you request a replacement card within Australia, payable when the request is processed. |
| REPLACEMENT_CARD_FEE_(INTERNATIONAL) | Event | $100 | — | Payable if you request a replacement card when overseas via Visa Global Cardholder Assistance Service (GCAS), payable when the request is processed. |
| ANNUAL_FEE | Periodic | $49 | Every 1 yr | Payable to us annually in arrears on the 28th day of the anniversary month of when your Credit Card was approved. Waived if Package Home Loan held. |
| FOREIGN_CURRENCY_CONVERSION_FEE_CREDIT_CARD | Transaction | 3.00% of transaction | — | Payable to us when a transaction in a foreign currency is made on your account. |
§ 03 — Features
Extra repaymentsInstant paymentsPayIDDigital bankingFraud protectionBalance transfers55 interest-free days1 additional cardsApple Pay and Google Pay
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian citizen or a permanent resident of Australia or otherwise approved
- · Available to individuals
- · Amount $500 to $20,000
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Maitland Mutual Limited under the Consumer Data Right, last changed by them on 15 July 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.