Endeavour Mutual Bank Credit Cards

Endeavour Mutual Bank is a provider of credit cards, home loans, car loans and personal loans, savings accounts, home insurance, car insurance, and travel insurance.

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If you’re considering an Endeavour Mutual Bank credit, have a quick look at what they have available in the table below, based on a monthly spend of $2,000.Endeavour mutual bank

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Types of Endeavour Mutual Bank credit cards

Endeavour Mutual Bank has one credit card available at the time of writing: the Low Rate Visa Credit Card. This credit card received a 5-star rating in Canstar’s 2017 Credit Card research.

Endeavour Mutual Bank Low Rate Visa credit card

Features

  • 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 Verified by Visa

Source: Endeavour Mutual Bank

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Eligibility to apply for Endeavour Mutual Bank credit cards

There are only two eligibility requirements when applying for a Endeavour Mutual Bank credit card:

  • At least 18 years old
  • Australian citizen or permanent resident

A good credit score won’t hurt, either!

How to apply for an Endeavour Mutual Bank credit card

If you meet the eligibility criteria above, then you can apply for an Endeavour Mutual Bank credit card either online by comparing credit cards on the Canstar website and applying for the card of your choice on the Endeavour Mutual Bank website. You can also apply by calling 1300 13 14 20.

You will need the usual documentation to apply for a credit card, including:

  1. Your Australian driver’s licence
  2. Your employment details
  3. Your annual income
  4. Your usual living expenses
  5. Details about assets you own such as a home, car, other belongings, or savings
  6. 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.

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Endeavour Mutual Bank FAQs

You will have to activate the card when it arrives before you are able to use that card. To activate your Endeavour Mutual Bank credit card, call them on 1300 13 14 20 or use the mobile banking app.

You can manage your Endeavour 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 Endeavour 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 Endeavour 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 Endeavour 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 Endeavour 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 Endeavour 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 endeavour Mutual Bank credit card, then compare other credit cards available in Australia using the Canstar website:

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Endeavour Mutual Bank, formerly Select Encompass Credit Union, was established in 1953 as the Transport Credit Union, and it has been providing banking services to its community for over 60 years. In 2016, it gained a new name through a merger between Select Credit Union and Encompass Credit Union, before again rebranding to Endeavour Mutual Bank on the 1st of February 2018.

Endeavour Mutual strongly believes in social and environmental responsibility. It is currently one of ten Australian mutual banking institutions that takes part in the poverty alleviation program in Laos, Asia. This program involves creating credit unions and providing education and financial literacy services to impoverished locals in Laos, many of whom have no access to such resources. In total, Select Encompass donates roughly $30,000 a year to local communities.

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.

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Endeavour Mutual Visa Credit Card

Canstar Research
Rating:
Award: Outstanding Value Credit Cards

Written by: William Jolly | Last updated: