This information sheet is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

Key Facts about this Credit Card

Correct as at: 29th November 2023 

Australian Credit Licence Number: 238 139

Description of credit cards


Product name

Mutual Visa Credit Card

Minimum credit limit


Minimum repayments

3% of the closing balance or $25.00 whichever is greater

Interest on purchases

12.49% p.a.  

Interest-free period

Up to 55 days on purchases only

Interest on cash advances

12.49% p.a.

Promotional interest rate


Balance transfer interest rate

12.49% p.a.

Annual fee


Late payment fee



There may be circumstances in which you have to pay other fees. You can only be charged an additional fee for exceeding your credit limit if you separately agree to being charged that fee. A full list of current fees applicable to this credit card can be obtained from Important Information - The Mutual Bank | Here To Help.

For more information on choosing and using credit cards visit the ASIC consumer website at

The terms on which this credit card is offered can change over time. You can check if any changes have been made by visiting Important Information - The Mutual Bank | Here To Help.