Firefighters Mutual Bank
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Firefighters Mutual Bank Credit Cards

Firefighters Mutual Bank credit cards offer simple, low-cost features to people in the fire and other emergency services.

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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.

Compare Firefighters Mutual Bank Credit Cards

Name Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
Firefighters Mutual Bank Credit Card
Purchase rate p.a.
7.9% for 6 months, then 11.5%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
7.9% for 6 months, then 11.5%
Annual fee
$0
More Info
Save with an ongoing $0 annual fee and a low 11.5% p.a. interest rate on purchases.
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Types of Firefighters Mutual Bank Credit Cards

  • Low rate credit cards

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 many 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 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

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:

Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.

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