---
title: "Mutual Visa Credit Card — Maitland Mutual Limited"
description: "Credit & Charge Cards from Maitland Mutual Limited. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/maitland-mutual-limited/products/Mutual_Visa_Credit_Card
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-15T07:46:22.000+10:00
---

# Mutual Visa Credit Card — Maitland Mutual Limited

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

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

A low interest rate credit card.

## At a glance

- **Purchase rate:** 12.49%
- **Annual fee:** $49.00

## Apply

Applications are handled by the provider: [Apply at Maitland Mutual Limited](https://themutual.apply-online.com.au/#/d632e613-271c-4718-95ae-9dhw9dh2rm)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Cash advance | 12.49% | — | — |
| Purchase | 12.49% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| 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 Account e.g. evidence of a Visa Debit Card purchase. | Event | $60.00 |
| LATE_PAYMENT_FEE — Payable to us if you do not make a required payment by the due date in any month. | Event | $10.00 |
| ANNUAL_FEE — Charged yearly · 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. | Ongoing | $49.00 |
| REPLACEMENT_CARD_FEE_(AUSTRALIA) — Payable if you request a replacement card within Australia, payable when the request is processed. | Event | $10.00 |
| 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. | Event | $100.00 |
| DISHONOUR_FEE_CREDIT_CARD — Payable to us when a payment to or from your account is dishonoured. | Event | $9.00 |
| FOREIGN_CURRENCY_CONVERSION_FEE_CREDIT_CARD — Payable to us when a transaction in a foreign currency is made on your account. | Transaction | 3% of transaction |
| 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. | Cash advance | Variable |
| DEFAULT_FEE — Payable to us when we send you a notice of default under the contract. | Event | $50.00 |
| 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 charged until the Account is brought back in order. | Event | $9.00 |

## Features

- **Additional cards** — up to 1 (Up to 1 additional cardholder upon approval)
- **Balance transfers**
- **Bill payment (BPAY)** — BPAY (BPAY Bills from your credit card and make Credit Card payments via BPAY using our Biller Code)
- **Card access** — Visa Credit Card
- **Digital banking**
- **Interest-free period** — 55 days (For purchases)
- **Notifications** — Mutual Alerts - Balance, low and high balance, deposit, withdrawal
- **Real-time payments (NPP)**
- **PayID**
- **Digital wallet** — Apple Pay and Google Pay
- **Extra repayments**
- **Fraud protection**

## Eligibility

- **Residency status** — Australian citizen or a permanent resident of Australia or otherwise approved
- **Minimum age** — 18 years
- **Individuals only**

## Constraints

- **Minimum limit** — $500.00
- **Maximum limit** — $20,000.00

## More information from Maitland Mutual Limited

- [Overview](https://www.themutual.com.au/everyday-banking/personal-finance/mutual-visa-credit-card/)
- [Terms & conditions](https://www.themutual.com.au/help-support/important-documents/)
- [Eligibility](https://www.themutual.com.au/everyday-banking/personal-finance/mutual-visa-credit-card/)
- [Fees & pricing](https://www.themutual.com.au/help-support/important-documents/)

## Data provenance

- Published by Maitland Mutual Limited under the Consumer Data Right
- Product ID: `Mutual_Visa_Credit_Card`
- Last updated by the provider: 14 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/maitland-mutual-limited/Mutual_Visa_Credit_Card
- Provider page: https://www.cdrcompare.au/brands/maitland-mutual-limited
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000203

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/maitland-mutual-limited/products/Mutual_Visa_Credit_Card) — 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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