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Credit Card

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Simple Credit Card. Great Value.

Our Visa Credit Card not only gives you a great introductory rate, it also gives you a low ongoing rate too. Plus, there’s no annual fee and you get up to 55 days interest free on eligible purchases and balance transfers.

Why choose a Australian Mutual Bank Credit Card?

7.90 % p.a.

Introductory Rate For First 6 Months

Apply now

Enquire now



$0
Application Fee

$0
Annual Fee

Features

  

Security and Fraud Prevention

  

Product Features:

TMBL Credit Card
PayWave : Yes
Interest charges : Calculated daily, charged monthly
Interest free days : Up to 55 days on eligible purchases and balance transfers
Minimum credit limit : $1,000
Minimum repayments cash : No dollar amount is applicable
Minimum repayments : 3.00%
ATM Withdrawals Overseas : $4
International Conversion Fee : 2.90% of transaction value in $AUD
Cash Advances Fee : $4.00 payable when 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).
Fees
Annual fee : $0
Monthly fee : $0
Application fee : $0
Late payment fee : $10
Visa Credit Card Interest rate pa
Introductory Balance transfer Rate for first 6 months 7.90% p.a.
Introductory Cash Advance Rate for first 6 months 7.90% p.a.
Introductory Purchase interest Rate for first 6 months 7.90% p.a.
Revert Interest Rate after 6 months 11.50% p.a.

For full details of our fees, please review the Fees and Charges brochure.

View our range of Loan interest rates

Reduce or terminate my credit facility

View the Target Market Determination for this product

Download Credit Card Key Fact Sheet

Enjoy these great Visa benefits with your Australian Mutual Bank Credit card

Who can apply?

The Australian Mutual Bank Credit card is available to individuals aged 18 years or older. Membership, lending criteria and T&Cs apply. Credit card terms and conditions apply.

When you acquire this product you will automatically become a shareholding member and part-owner of the bank.

Frequently asked questions

You must be 18 years of age or older to apply for a Credit Card. You must also be a Australian Mutual Bank member or be eligible to become a member.

Your credit limit will be determined by your income and financial commitments. Limits range from $1,000 up to $25,000. 

You can decrease your limit or close your card at any time, the easiest way to do this is through Internet Banking, then navigate to your Credit Card accounts page.

If you do not have access to Internet Banking, you can complete our online enquiry.

Yes. You can choose to have an additional card/s issued to family or any other persons, providing they are over 18 years of age. The additional card/s operate in the same manner as your primary card and you will be responsible for their usage. Apply for an Additional Credit Card

To view the Visa Debit & Credit Card Frequently Asked Questions page please click here.

Enquiry Details

Enter your details below and we will call you back.

 

All applications for credit are subject to our responsible lending criteria. Fees and Charges apply. You can find our Consumer Lending terms and conditions and Credit Card terms and conditions available online or from any of our offices.

Your privacy at the Bank is important to us. Please read our Privacy Framework along with our Privacy Notice and our Privacy Consent - Lending.

If you submit this form, the Bank may contact you about products and services we offer which may be of interest to you, unless you have opted out of receiving marketing communications. If you are not an existing member, and you do not take out the product or service this form relates to, the Bank will not use your personal information from this form for marketing purposes after 6 months from when you submit the form. For more information, please refer to our Privacy and Credit Reporting Policy. 

Footnotes:

  • 1 At participating merchants.
  • 2 Balance transfers are processed via BPAY. As not all financial institutions accept BPAY payments, we may be unable to process your balance transfer request.

** Visa’s Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify Australian Mutual Bank promptly of any unauthorised Visa use.

Design and Distribution Obligations 

The target market for this product will be found within the product’s Target Market Determination, available here.

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Credit Card - terms and conditions

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Australian Mutual Bank acknowledges the Traditional Owners and Custodians of the land where our office is located in Surry Hills, Sydney as the Gadigal people of the Eora Nation. We further acknowledge the Traditional Owners and Custodians of Country from where our members and employees reside.

We extend our deep respect to Elders, past and present, and emerging Community leaders for maintaining enduring connections that protect and care for Country for a sustainable future.

Disclosures | Security | Privacy | BSB: 611 100

Australian Mutual Bank is a division of Teachers Mutual Bank Limited.

For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future. Full details are available on this website or on request. Lending criteria apply to approval of credit products. This information is general in nature and does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. Unless otherwise specified, the products and services described on this website are available only in Australia from or through Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL and Australian Credit Licence 238981.

© 2026 Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981