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Sydney Mutual Bank Credit Cards

Find out about the low rate Visa credit card you can get through this member-owned bank that’s based in Sydney.

Amy Bradney-George
Amy Bradney-George

Updated

Sydney Mutual Bank

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Sydney Mutual Bank (formerly Sydney Credit Union) offers a straightforward Visa credit card with a 10.49% p.a. variable interest rate for purchases and a competitive annual fee. As a member-owned financial institution, any profits made by Sydney Mutual Bank are passed on to account-holders – usually in the form of competitive rates and fees.

Compare Sydney Mutual Bank credit card features

Data indicated here is updated regularly
Name Product Purchase rate Interest-free period Annual fee Balance transfer rate
Sydney Mutual Bank Low Rate Visa Credit Card
Sydney Mutual Bank Low Rate Visa Credit Card
10.49% p.a.
Up to 55 days on purchases
$30
Receive up to 55 days interest-free on purchases, access to offers from Visa Entertainment and the ability to pay using payWave.
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What types of credit cards does Sydney Mutual Bank Offer?

  • Low rate credit cards

The Sydney Mutual Bank Low Rate Visa has a 10.49% p.a. variable interest rate for purchases and a competitive annual fee of $30. It also offers up to 55 days interest-free on purchases when you pay the closing balance in full by the due date on each statement, as well as mobile payment options.

Benefits of banking with Sydney Mutual Bank

  • Competitive interest rate

The 10.49% p.a. variable interest rate offered on the Sydney Mutual Bank Low Rate Visa credit card is one of the lowest purchase rates on the market. If you carry a balance from your purchases, this low rate could help you save on interest charges compared to other cards.

  • Low annual fee

The Sydney Mutual Bank Low Rate Visa credit card's $30 annual fee is competitive with other low fee credit cards.

  • Mobile payments

If you have Apple Pay, Google Pay or Samsung Pay, you can add the Sydney Mutual Bank Low Rate Visa credit card to your account and use your mobile to tap-and-pay.

  • Choose your own PIN

You have the option of setting your own PIN via the Sydney Mutual Bank mobile app or at a branch.

  • Visa benefits

Take advantage of exclusive entertainment, travel and shopping promotions through Visa Offers + Perks, plus get extra security online through Verified by Visa.

How to apply for a Sydney Mutual Bank credit card

You can apply for the Sydney Mutual Bank Low Rate Visa online by filling in a secure application form. Before you apply, make sure you meet the following eligibility requirements and have the essential documents and details ready.

Eligibility criteria

  • Residency status. You can apply for this card if you are a permanent Australian resident or citizen.
  • Employment. You must have a regular, permanent income.
  • Age. You must be at least 18 years old.

Documents and details

  • Personal information. This includes your full name, date of birth, contact number, email address and residential address. If you are applying as a new Sydney Mutual Bank member, you will also need to provide a valid form of ID, such as your driver's licence or passport. If you are an existing member, you can provide your member number to verify the application.
  • Employment details. This covers your occupation, salary, time in your current position and your employer's contact details.
  • Financial details. As well as your salary, you will be asked about other forms of income, savings and other assets, plus your everyday expenses. If you have debts, loans or other liabilities, you will also need to provide details of them on the application.
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Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Coles No Annual Fee Mastercard - Exclusive Offer
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
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ANZ Low Rate
ANZ Low Rate
12.49% p.a.
0% p.a. for 25 months with 1.5% balance transfer fee
$0 annual fee for the first year ($58 p.a. thereafter)
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
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Qantas American Express Premium Card
Qantas American Express Premium Card
20.74% p.a.
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Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year.
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Citi Rewards Card - $500 Voucher Offer
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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