The Finance Algorithm
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Mutual Visa Credit Card

A low interest rate credit card.

Credit cardsBank updated 15 July 2026
Apply at Maitland Mutual Limited ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Purchase rate
12.49%
Cash advance
12.49%
Interest-free days
55
Annual fee
$49
Foreign transaction fee
3.00%

How it compares

This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This credit card: 12.49%Every other institution's lowest, 50 in all

Ongoing purchase rate, not introductory offers. One dot per institution, at its lowest credit card purchase rate anyone can apply for; hover or tap a dot for its name.

RateThis credit cardBest anywhereTypical institutionWhere it sits
Any credit cardOngoing purchase rate, not introductory offers12.49%7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions25th lowest of 51, level with one other
Interest-free daysDays without interest on purchases when the balance is paid in full55 days62 daysBeyond Bank Australia's Low Rate Credit Card55 daysof 42 institutions2nd longest of 42, level with 30 others

Rates

Every rate The Mutual Bank publishes for this credit card, 2 in all.

TypeApplies toTermBandRateComparisonConditions
Cash advance---12.49%--
Purchase---12.49%--

Fees

10 fees published, grouped by when they're charged.

While you hold it1

  • ANNUAL_FEE

    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.

    $49 a year

When you make a transaction2

  • ATM_OWNER_FEE

    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.

    Varies
  • FOREIGN_CURRENCY_CONVERSION_FEE_CREDIT_CARD

    Payable to us when a transaction in a foreign currency is made on your account.

    3.00% of transaction

When particular things happen7

  • DEFAULT_FEE

    Payable to us when we send you a notice of default under the contract.

    $50
  • DISHONOUR_FEE_CREDIT_CARD

    Payable to us when a payment to or from your account is dishonoured.

    $9
  • DOCUMENT_FEE

    $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…

    $60
  • LATE_PAYMENT_FEE

    Payable to us if you do not make a required payment by the due date in any month.

    $10
  • OVERDRAWN_FEE

    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…

    $9
  • REPLACEMENT_CARD_FEE_(AUSTRALIA)

    Payable if you request a replacement card within Australia, payable when the request is processed.

    $10
  • REPLACEMENT_CARD_FEE_(INTERNATIONAL)

    Payable if you request a replacement card when overseas via Visa Global Cardholder Assistance Service (GCAS), payable when the request is processed.

    $100

Features

Extra repaymentsInstant paymentsPayIDDigital bankingFraud protectionBalance transfers55 interest-free days1 additional cardApple Pay and Google Pay

Eligibility and limits

  • Minimum age 18
  • Residency: Australian citizen or a permanent resident of Australia or otherwise approved
  • Available to individuals
  • Amount $500 to $20,000

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.