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.


Fact checked
Sydney Mutual Bank

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

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
10.49% p.a.
Up to 55 days on purchases
Receive up to 55 days interest-free on purchases, access to offers from Visa Entertainment and the ability to pay using payWave.

Compare up to 4 providers

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.
Back to top

More guides on Finder

  • Woolworths Team Bank Visa Credit Card

    Available to Woolworths Group employees and family, this low-cost card comes with simple features and mobile payment options.

  • Firefighters Mutual Bank Credit Card

    This low rate credit card has a $0 annual fee and is available to firefighters and other service workers or volunteers.

  • Bank of Melbourne Vertigo Platinum – Cashback Offer

    A low rate platinum credit card that includes a cashback offer and perks such as complimentary travel insurance and purchase insurance.

  • BankSA Vertigo Platinum – Cashback Offer

    The BankSA Vertigo Platinum card offers a $300 cashback a low ongoing purchase rate and a range of complimentary insurance covers.

  • Citi Rewards Card

    Take advantage of a 0% balance transfer offer for 30 months and a discounted annual fee for the first year with this Citi Rewards credit card offer.

  • Health Professionals Bank Credit Card

    Get an introductory rate of 7.9% p.a. on purchases and balance transfers for 6 months and save with an ongoing $0 annual fee with the Health Professionals Bank Credit Card.

  • Sydney Mutual Bank Special Fixed Home Loan

    The Special Fixed Home Loan from Sydney Mutual Bank is a fixed rate mortgage for owner-occupiers and investors. Available with a 5% deposit.

  • Defence Bank Foundation Credit Card

    This card gives you a way to support a program that matches rescue dogs with veterans in need and enjoy a low interest rate on all your spending.

  • Now Finance Secured Personal Loan review

    Get rewarded for an excellent credit score with a Now Finance personalised rate secured personal loan. Rates vary between 5.95% p.a. and 15.45% p.a. Apply today.

  • No interest monthly fee credit cards

    New no interest monthly fee credit cards, like the NAB StraightUp and CommBank Neo, offer no interest charges, limits up to $3,000 and only charge a monthly fee when you use it. Read more to find out more about how they work in our comprehensive guide.

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site