Firefighters Mutual Bank is a member-owned bank for people work or volunteer in the fire or emergency services, including family members and anyone who has retired from these services. It's been operating since the 1960s and is a division of Teachers Mutual Bank Limited. It offers a single, low rate Visa credit card with no annual fee and mobile payment options.
The Firefighters Mutual Bank Credit Card offers a 7.9% p.a. introductory rate for the first 6 months, then a variable rate of 11.5% p.a. that is competitive with other low rate credit cards. This variable rate applies to all transactions, which is different to some other cards that charge higher rates for cash advances and balance transfers (outside of promotional rates). It also offers no annual fee ever.
The benefits of a Firefighters Mutual Bank credit card
Visa benefits
You can use a Firefighters Mutual Bank credit card for payments in over 200 countries and regions around the world through the Visa network. You'll also get access to exclusive offers for travel, shopping, dining and entertainment through Visa Offers + Perks.
Digital wallets
You can add a Firefighters Mutual Bank Visa credit card to your Apple Pay, Google Pay and Samsung Pay to make payments straight from your mobile phone or other devices.
Security
Get protection and support with a 24/7 lost and stolen card hotline, as well as a Visa Zero Liability Policy to cover the cost of fraudulent transactions if your card is compromised.
Banking options
Keep track of your balance, check your transaction history and manage your account details in a way that suits you, with Internet banking and a mobile app, as well as a 24/7 phone banking line you can call on 1800 800 225.
Sustainability focus
Firefighters Mutual Bank is a division of Teachers Mutual Bank Limited, which was highly commended in the 2023 Finder Green Awards Green Bank of the Year category, and won the award in 2022. It operates with 100% renewable energy and doesn't invest any money into fossil fuels, gambling, alcohol, tobacco or any other industries. It's also a certified B Corp and has been listed as one of the World's Most Ethical Companies. Check out Finder's interview with Teachers Mutual Bank's head of socially responsible banking, Corin Millais, for more details and insights.
How to apply for a Firefighters Mutual Bank credit card
You can apply online in around 15 minutes by filling in a secure application form on the Firefighters Mutual Bank website. To get started, make sure you meet the eligibility requirements and have all the documents and details you’ll need on hand.
Eligibility criteria
Australian residency status. You must be an Australian citizen or permanent resident.
Age. You must be at least 18 years of age.
Firefighters Mutual Bank membership. You'll be asked for details of your membership when you apply. You can join Firefighters Mutual Bank if you're a current employee or volunteer with a fire or emergency service, or if you're a retired employee or family member. You'll need to provide membership details. Note that you will need to be a shareholder to join, which costs $10.
Required documents and details
Personal details. This includes your full name, date of birth, residential address, email address, contact number and marital status. You also need to provide a valid form of ID, such as your driver’s license or passport (you can provide an ID after submitting the application too).
Employment details. This includes your salary, current job title, length of employment and your employer’s contact details. You may also be asked to provide recent payslips or bank statements to help verify this information.
Financial details. As well as your salary, you’ll be asked about any other forms of income, savings, investments and existing cards, loans or other debts. You also need to estimate your regular household expenses such as rent or mortgage payments, utility bills, transport costs and groceries.
Have a question about your application? Call Firefighters Mutual Bank on 1800 800 225.
Frequently asked questions
Yes, if you want to share your account with a family member, you can fill in an additional cardholder application on the Firefighters Mutual Bank website. The additional cardholder must be at least 18 years of age and you’ll be responsible for managing the account.
You’ll find details of your repayments, including the minimum amount you need to pay and ways to pay, on your credit card statement. Repayment options include:
BPAY. Make payments from your chosen bank account using the biller code 948521 and the reference number on your credit card statement.
Direct transfer from Firefighters Mutual Bank. If you have an everyday account with Firefighters Mutual Bank, you can transfer payments straight to your credit card or set up automatic payments.
Cheque. You can mail a cheque to the bank using the address on your credit card statement.
Remember to factor in payment processing times so that your repayment is received by the due date listed on your statement.
If your card is lost, stolen or may have been compromised online, call Firefighters Mutual Bank on 1800 800 225 as soon as you can. If you’re overseas, call +61 2 9735 9225.
For any concerns you have outside of office hours, call the 24/7 Visa Global Customer Assistance Service on +1 303 967 1090.
Credit card brands similar to Firefighters Mutual Bank
If you want a credit card from a member-owned bank or one that's focused on sustainability, here are 3 others you can compare with Firefighters Mutual Bank:
Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio
Amy's expertise
Amy has written 588 Finder guides across topics including:
When you apply for a credit card online, you could receive a response within 60 seconds. Find out how you to find a card that you're eligible for and increase your chances of approval.
While a credit card is linked with a line of credit, a debit card is connected to your own money. Compare the differences between the card types in this guide.
Calculate how much you're paying in interest based on your current credit card repayments and discover how much you should pay each month to meet your financial goal.
Find out how you can keep your overseas spending costs down by comparing credit cards with no foreign transaction fees and no currency conversion fees.
Feedback
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
