Transport Mutual Credit Union Credit Cards

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Compare credit cards tailored to your spending needs

Transport Mutual Credit Union began operations in 1964 in the form of Main Roads Staff Credit Union with the aim of catering to the banking needs of employees of the NSW Department of Main Roads and their family members. In 1989, when the NSW Government formed the Roads and Traffic Authority, this credit union changed its name to RTA Staff Credit Union. In 2011, after the Roads and Traffic Authority became Roads & Maritime Services, the name, Transport Mutual Credit Union, came into effect. This credit union now accepts members from all walks of lives, and it offers them a wide selection of financial services and products.

Comparison of Transport Mutual Credit Union Credit Cards

Rates last updated December 7th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Transport Mutual CU MyCard Platinum MasterCard
Enjoy a low introductory rate on purchases and balance transfers. Plus a low annual fee.
20.24% p.a. 0% p.a. for 14 months $179 p.a. More info
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Types of credit cards that Transport Mutual Credit Union offers

Transport Mutual Credit Union, like many other credit unions across Australia, gives its members the ability to choose between two MyCard MasterCard options.

  • Low rate credit cards

    Compare low rate cards when you want a convenient way to spend and don't want to worry too much about your interest charges. Transport Mutual Credit Union provides a Low Rate MyCard MasterCard that, along with a low ongoing rate, comes with an introductory rate offer for 9 months on balance transfers. You can get up to 55 interest-free days when you use this card in the right manner. You also get complimentary insurance covers.

Rates last updated December 7th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $30 p.a. Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
11.99% p.a. $0 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
12.99% p.a. 0% p.a. for 6 months $49 p.a. Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for up to 12 months on purchases.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
Learn more about low rate credit cards
  • Platinum credit cards

    A typical platinum card enables you to earn rewards, while also offering other extras, and the Platinum MyCard MasterCard that Transport Mutual Credit Union provides is no different. This credit card comes linked to the Card Services Rewards Program, it offers cardholders 24/7 access to a platinum concierge service, and it comes with a number of complimentary insurance covers. This card comes with a introductory rate offer for months on purchases and balance transfers, and you can get as many as interest-free days on purchases.

Rates last updated December 7th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Transport Mutual CU MyCard Platinum MasterCard
Enjoy a low introductory rate on purchases and balance transfers. Plus a low annual fee.
20.24% p.a. 0% p.a. for 14 months $179 p.a. More info
Rates last updated December 7th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Qantas Rewards Premium Card - Exclusive Offer
Get 75,000 bonus Qantas Points plus enjoy a low promotional offer of 4.99% p.a. for 6 months on balance transfers.
19.99% p.a. 4.99% p.a. for 6 months $250 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months and a low 0% p.a. for 18 months on balance transfers. Receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
Citi Rewards Credit Card - Platinum Card
Enjoy a long term balance transfer offer and earn 1.25 Citi Reward Points on per $1 spent for all domestic purchases.
20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
Learn more about Platinum Credit Cards
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Benefits of banking with Transport Mutual Credit Union

This credit union, like others, has members as shareholders, so its profits go into providing members a competitive range of products. Getting a MyCard MasterCard through this credit union presents many advantages.

  • Platinum services

    A platinum concierge service provides assistance to platinum cardholders, and they can turn to this service for different purposes. You can, for example, use this service to locate a restaurant and reserve a table. You can use it to plan your travels, you can turn to it for secretarial services, and it can help you book tickets for different kinds of events.

  • Coverage with insurance

    Both low rate and platinum cardholders receive protection through complimentary purchase cover insurance and a guaranteed pricing scheme. Platinum cardholders receive further protection through international travel insurance, interstate flight inconvenience insurance, and transit accident insurance.

  • Easy access to funds and account information

    MasterCard finds acceptance the world over, and you can use your MyCard MasterCard anywhere where you see a MasterCard logo. This includes EFTPOS terminals as well as ATMs. You can use your card to make purchases and pay bills, online and over the phone. To access account-related information, you can turn to online or phone banking, day or night.

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Applying for a Transport Mutual Credit Union credit card

You can apply for a Transport Mutual Credit Union credit card by visiting their Surry Hills office, and you can also initiate the process over the phone or online. Before you apply, make sure you meet the following eligibility criteria.

  • You’re over 18 years of age
  • You’re a permanent resident of Australia
  • You don’t have bad credit history
  • You earn at least $25,000 p.a. to apply for the low rate card, and at least $35,000 p.a. to apply for the platinum card.

Completing a MyCard MasterCard application requires that you part with a host of information:

  • Personal details - Your name, date of birth, driver’s license number, among other personal information will be required.
  • Contact details - This section requires your home address and the time you've spent there, as well as standard information such as your phone numbers and email address.
  • Monthly financial position - This includes income you earn from all sources as well as your monthly expenses. You also have to provide details about all existing loans, and liabilities.
  • Professional details - This section requires your employment status and the time you've been employed at your current place of work. You'll also need to provide your employer's details.

What happens after applying?

Card Services reviews and processes your MyCard MasterCard application. A Card Services rep might also contact you for additional information. If you’re not an existing Transport Mutual Credit Union member you’ll have to become one to receive your Transport Mutual Credit Union credit card, and this requires that you complete a legally required identity verification process.

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Frequently asked questions

If you have a question about Transport Mutual Credit Union credit cards you might find the answer here. If you don’t, feel free to use the form at the end of this page.

How much time does it take to complete the Transport Mutual Credit Union credit card application?

If you start with the required information close by, you can complete the application in around 10 minutes.

What credit limit can I get?

The minimum credit limit of the low rate card is $2,000, and its maximum limit at the time on initial approval is $15,000. For the platinum card, the minimum and maximum credit limits are $6,000 and $30,000 respectively.  Your card’s credit limit depends on multiple factors like your existing financial situation and your ability to make repayments.

Can I get my Transport Mutual Credit Union credit card’s limit to increase?

Credit limit increases can be applied for but they are dependant on approval.

Can I get an additional card?

Yes, you can get up to 4 additional cards for free. You can apply for one online or over the phone.

How can I make repayments?

You can set up automatic repayments through a Transport Mutual savings account, and you can also make electronic payments using transaction or savings accounts from other Australian financial institutions. You can make repayments via online banking and phone banking, you can mail in cheques, and you can make payments by visiting the Transport Mutual Credit Union office.

How do I earn reward points?

You earn reward points when you use your Platinum MyCard MasterCard to make retail purchases. You earn 1.25 reward points on every dollar spent, and these points accumulate in your Card Services account.

Is there a cap on the number of points I can earn?

Platinum cardholders can earn up to 100,000 reward points every year.

Do my reward points expire?

Your reward points don’t expire as long as your card is not in default and you keep using it as per its terms and conditions.

How can I redeem my reward points?

To redeem your reward points you can visit the Card Services website or call Card Services.

Can anyone redeem my reward points?

You and the first additional cardholder get automatic access to your reward points, and you can offer this access to other additional cardholders as well.

Who should I call to report a lost or stolen card?

To report a lost or stolen card, you should call Card Services immediately.

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American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

0
ME Bank frank Credit Card
ME Bank frank Credit Card

Interest rate

11.99

Annual fee

0
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149

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