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.
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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
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.
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.
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