Australian Mutual Bank Credit Cards
Compare Australian Mutual Bank credit cards
If you’re considering an Australian Mutual Bank credit card, have a quick look at what they have available in the table below, based on a monthly spend of $2,000.
Types of Australian Mutual Bank credit cards
Australian Mutual Bank has one credit card available at the time of writing: the Visa Credit Card.
Australian Mutual Bank Visa Credit Card
- Card type: Visa
- Minimum credit limit: $1,000
- Maximum credit limit: $30,000
- Interest-free days: Up to 55
- Digital wallet: Card enabled for Apple Pay and Android Pay digital wallets
- Contactless: Contactless payments enabled via Visa payWave
- Security: Purchase monitoring through Visa 3-D Secure
Eligibility to apply for Australian Mutual Bank credit cards
To apply for an Australian Mutual Bank credit card, you must meet the following criteria:
- Be at least 18 years old
- Be an Australian citizen or permanent resident
- Have a regular permanent income
How to apply for an Australian Mutual Bank credit card
If you meet the eligibility criteria above, then you can apply for an Australian Mutual Bank credit card either online by comparing credit cards on the Canstar website and applying for the card of your choice on the Australian Mutual Bank website.
You may be asked to provide information, including:
- Your Australian driver’s licence
- Your passport details
- Your employment details
- Your annual income
- Your usual living expenses
- Details about assets you own such as a home, car, other belongings, or savings
- Any debts you currently owe on other credit cards, loans, or overdrafts
Read our checklist on applying for a credit card for a more detailed explanation of how the process works.
Australian Mutual Bank FAQs
You will have to activate the card when it arrives before you are able to use that card. You can activate your Australian Mutual Bank credit card by logging into internet banking or mobile banking and following the prompts. You can also ring the Australian Mutual Bank call centre, visit your local branch or use telephone banking.
You can manage your Australian Mutual Bank credit card through the mobile banking app and through the internet banking portal on the website. Use the mobile banking app or online banking to do things like activate your card, view your recent transaction history, view your balance, and more.
When is interest charged?
Interest is charged when you carry a balance on your Australian Mutual Bank credit card. Interest is charged on cash advances from the date of withdrawal and balance transfers from the date of transfer (fees and charges apply).
When is interest not charged?
Up to 55 interest-free days to Australian Mutual Bank credit card purchases if you have paid the balance in full for the previous month’s statement and for the current month’s statement. For more information about interest-free days, check out our article on how they work.
Your credit limit for an Australian Mutual Bank credit card will be determined based on the information you provide in your application, keeping in mind the minimum and maximum credit limits (see above).
You can ask Australian Mutual Bank to increase or decrease your credit limit based on your own discretion, and they may approve or reject your request at their discretion, based on their lending criteria. Find out more about how credit limits are determined here.
You can submit a written application for account closure to Australian Mutual Bank at any time. Your card balance will need to be repaid in full even after the card is closed, and you will continue to receive monthly statements until your card balance is fully repaid.
If you’re cancelling your credit card because you’re struggling financially, contact the financial hardship team via online enquiry form or by calling (02) 8754 8400 (open Mon-Fri, 9am-4pm) to find potential solutions.
If you’re cancelling because you’re dissatisfied with your Australian Mutual Bank credit card, then compare other credit cards available in Australia using the Canstar website:
Australian Mutual Bank is a community-based banking organisation. It was formed as a result of a merger between Sydney Mutual Bank and Endeavour Mutual Bank.
Showing Rewards products in Canstar’s database with links to lenders’ websites. The display is sorted by purchase rate (lowest to highest) for credit cards that offer signup bonuses to consumers for a spend of $5,000 per month.
Table only displays five products. Click here to see more. Be sure to read the full terms and conditions of each deal before signing up.