Mutual Visa Credit Card
A low interest rate credit card.
- Purchase rate
- 12.49%
- Annual fee
- $49.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Cash advance | 12.49% | — | — |
| Purchase | 12.49% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| DOCUMENT_FEE Capped at $0.00 · $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 Capped at $0.00 · 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 · Capped at $0.00 · 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) Capped at $0.00 · Payable if you request a replacement card within Australia, payable when the request is processed. | Event | $10.00 |
| REPLACEMENT_CARD_FEE_(INTERNATIONAL) Capped at $0.00 · 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 |
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
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
Published by Maitland Mutual Limited under the Consumer Data Right · Last updated 14 July 2026 · Product ID Mutual_Visa_Credit_Card · View on CDR.gov.au