---
title: "Credit Card — Australian Mutual Bank LTD"
description: "Credit & Charge Cards from Australian Mutual Bank LTD. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/australian-mutual-bank-ltd/products/c61cd5c4-1e71-11f1-8077-325096b39f47
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-19T14:17:56.000+10:00
---

# Credit Card — Australian Mutual Bank LTD

> Credit & Charge Cards from Australian Mutual Bank LTD. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards · Australian Mutual Bank**

Use your credit card for shopping, travelling overseas or even to consolidate other credit or store card debt.

## At a glance

- **Purchase rate:** 11.5%

## Apply

Applications are handled by the provider: [Apply at Australian Mutual Bank LTD](https://australianmutual.bank/cards/credit-card/)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Introductory · 6 months (Introductory interest rate applies to balance transfer and purchase transactions for the first 6 months from the date of the Letter of Offer.) | 7.9% | — | — |
| Balance transfer | 7.9% | — | Promotional Period 1–6 months |
| Purchase (Purchase interest rate applies to the amount of any transaction with a merchant made on a credit card account.) | 11.5% | — | — |
| Cash advance (Cash advance interest rate applies to the amount of cash or its equivalent that is withdrawn or transacted from a credit card account.) | 11.5% | — | — |
| Balance transfer | 11.5% | — | Standard 7+ months |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| LATE_PAYMENT_FEE — Payable by debit to your account when the minimum payment on a Credit Card account is not received by the due date. Charged once per statement period. | Late payment | $10.00 |
| INTERNATIONAL_CONVERSION_FEE — 2.90% of transaction value in $AUD collected by Cuscal Limited - 0.90% paid to Us; 1.00% retained by Cuscal; 1.00% paid to Visa International. Payable when you transact in a foreign currency using your Visa card either online or at a merchant point of sale (irrespective of where the transaction occurs; performed not in Australian Dollar; or overseas merchants transact in a foreign currency.) | Transaction | 2.9% of transaction |
| CASH_ADVANCES_FEE — Visa Debit and Visa Credit card cash advances at other financial institutions in Australia and overseas. Individual bank branches may not offer this service and may charge additional fees (at cost). | Cash advance | $4.00 |
| COLLECTION_CHARGES — At cost. Payable when we request an agent to assist our efforts to address defaults under your contract before we can commence legal action. At Cost. | Other | $0.00 – $9,999,999.00 |
| ATM_WITHDRAWAL_OVERSEAS | Transaction | $4.50 |

## Features

- **Special Introductory Rate for first 6 months.**
- **Interest-free period** — 55 days (You may receive up to 55 days interest free period for purchases provided you continue to pay your closing balance in full on or before every statement due date.)
- **Balance transfers**
- **No application fee**
- **No annual fee**
- **Card access** — Visa Credit with payWave
- **Additional cards**
- **Digital wallet** — Apple Pay
- **Digital wallet** — Google Pay
- **Digital wallet** — Samsung Pay
- **Digital banking** (24/7 access via internet banking and mobile app)
- **Bill payment (BPAY)** — BPAY
- **Notifications** — Track payments with SMS and email alerts

## Eligibility

- **You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.**
- **Residency status** — Individuals must be citizens or permanent residents of Australia.
- **All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions online or from any of our offices.**
- **Minimum age** — 18 years

## Constraints

- **Minimum limit** — $1,000.00
- **Maximum limit** — $25,000.00

## More information from Australian Mutual Bank LTD

- [Overview](https://australianmutual.bank/cards/credit-card/)
- [Terms & conditions](https://australianmutual.bank/cards/credit-card/)
- [Eligibility](https://australianmutual.bank/cards/credit-card/)
- [Fees & pricing](https://australianmutual.bank/cards/credit-card/)

## Data provenance

- Published by Australian Mutual Bank LTD under the Consumer Data Right
- Product ID: `c61cd5c4-1e71-11f1-8077-325096b39f47`
- Last updated by the provider: 19 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/australian-mutual-bank-ltd/c61cd5c4-1e71-11f1-8077-325096b39f47
- Provider page: https://www.cdrcompare.au/brands/australian-mutual-bank-ltd
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000240

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/australian-mutual-bank-ltd/products/c61cd5c4-1e71-11f1-8077-325096b39f47) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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