Endeavour Mutual Bank Visa Credit Card – Rates and Fees

The Endeavour Mutual Bank Visa Credit Card offers an interest-free period on purchases as well as competitive interest rates and Visa worldwide access.

Enjoy an interest-free period of up to 55 days with purchases made using the Endeavour Mutual Bank Visa Credit Card. This credit card also allows you to save with a balance transfer rate offer.

Product NameEndeavor Mutual Bank Visa Credit Card
Purchase rate (p.a.)10.99% p.a.
Annual fee$30 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 55 days on purchases
Cash advance rate (p.a.)10.99% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$1,000
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
1% of transaction value
Complimentary Travel InsuranceNo
Minimum Age18 years of age
Available To Temporary ResidentsNo
Credit Rating RequirementGood
Joint ApplicationNo
Annual fee$30 p.a.
Minimum Monthly Repayment3% or $25, whichever is greater
Late Payment Fee$15
Cash Advance Fee$4
Overseas Cash Advance Fee$4
Overseas ATM Withdrawal Fee$4
Foreign Currency Conversion Fee
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You'll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
1%
of transaction value
Gambling Transactions AllowedNo

Endeavour Mutual Bank Visa credit card review

The credit card comes with a competitive interest rate, starting from 10.99% p.a., with interest being calculated daily. You also have access to cash advance facilities and worldwide access as a Visa card.

Benefits of Endeavour Mutual Bank Visa credit card

  • Up to 55-day interest-free purchases. You can make interest-free purchases for a duration of up to 55 days. This interest-free offer is only valid when you pay off your balance on time. Balance is paid off on a monthly basis. This offer is eligible only to new applicants of the Endeavour Mutual Bank Visa Credit Card. If you carry forward your balance from month to month within the interest-free period, you will not be eligible for the zero percent-rated interest offers.You can use your credit card to make different types of purchases including POS purchases, online and telephone purchases as well. So long as these purchases are paid off in full by their due date, you are entitled to the interest-free offer.
  • Cash advance facility. You can access cash advances in Visa-branded ATMs as well as over-the-counter from financial institutions that accept Visa cards. There are limits on the cash advance amounts you can take out. The maximum you can withdraw in a day is $1,000. Balances should be repaid on a monthly basis. Repayments on your cash advances can be arranged with payroll deductions and you can also make periodical payments if they're drawn from your transaction or savings account held with Endeavour Mutual Bank.
  • Credit card access. This is a Visa card which means that you can use your card in millions of locations worldwide. This credit card can be used in any ATMs that accept Visa cards. You also have access to EFTPOS which is available in almost all stores in Australia. This credit card can be used in more than two million stores bearing the Visa logo. You can also use the credit card to make telephone and online payments and you can make any type of transactions from purchases to bill payments.

Endeavour Mutual Bank Visa credit card features

The list below contains the credit card features available with the Endeavour Mutual Bank Visa Credit Card.

  • Annual fee. The credit card charges an annual fee of $30
  • Interest free offer. An interest-free offer on purchases is available for a period of up to 55 days.
  • Balance transfers. You can request a balance transfer when applying for the credit card. The minimum balance transfer limit is and the maximum limit will be set by the credit union upon application.
  • Cash advance. You can make withdraw cash using this credit card. The limit on cash advance withdrawals is $1,000 per day.
  • Interest rates. The credit card offers competitive rates at 10.99% p.a.
  • Worldwide access. You can access this credit card worldwide from POS terminals and ATMs that accept Visa cards. Access is also available 24/7.
  • Select PIN number. Select your PIN at any of the Endeavour Mutual Bank branches nationwide.
  • Credit limit. You have a credit limit of with this credit card, subject to your financial ability.

How to apply for the Endeavour Mutual Bank Visa credit card

Application criteria

You need to be:

  • 18 years of age or older
  • An Australian resident or citizen

Online application takes about 15 minutes of your time.

Required information

  • Personal information
  • Preferred credit limit
  • Contact information
  • Employment details
  • Income information
  • Expenses information
  • Assets

If you need help with the application process or would like to get more information, you can submit an enquiry form online. The credit union will require your personal and contact details to get in touch with you.

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Credit Cards Comparison

Rates last updated February 24th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
American Express Velocity Escape Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
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Receive a bonus 12,500 Velocity Points, pay a $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
Exclusive to finder.com.au, enjoy a 0% BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$99 p.a.
Platinum card benefits including complimentary insurance, plus 0% p.a. for 24 months on balance transfers (with no BT fee). Ends 28 February 2018.
Westpac Low Rate - Online Offer
13.49% p.a.
0% p.a. for 30 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Take advantage of 0% p.a. for 30 months on balance transfers with a 2% balance transfer fee when you apply online by 28 February 2018.

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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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