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Endeavour Mutual Bank Visa Credit Card

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Get a competitive interest rate of 10.49% p.a. on purchases and a low annual fee.

The Endeavour Mutual Bank Visa credit card charges a $30 annual fee and offers up to 55 days interest-free on purchases.

10.49% p.a.

Balance transfer rate

10.49% p.a.

Purchase rate

$30 p.a.

Annual fee

55 days

Interest free period


Product NameEndeavor Mutual Bank Visa Credit Card
Balance transfer rate10.49% p.a.
Purchase rate10.49% p.a.
Annual fee$30
Interest-free period55 days
Cash advance rate15.49% p.a.
Min credit limit$1,000
Card typeVisa
Foreign currency conversion fee1%
Available to temporary residentsNo
Joint applicationNo


  • A low 10.49% p.a. interest rate on purchases and balance transfers
  • Up to 55 days interest-free on purchases
  • Access to Apple Pay, Google Pay & Samsung Pay


  • No rewards program and travel insurance
Bonus pointsN/A
Annual fee$30
Minimum monthly repayment3% of the closing balance or $25, whichever is greater
Late payment fee$15
Foreign currency conversion fee1%
Cash advance fee4%
Overseas cash advance fee4%
Overseas ATM withdrawal fee$4

Expert review

Amy Bradney-George

Review by

Amy Bradney-George is the acting editor for Finder X and a senior writer for credit cards and Finder Green. She has more than 13 years' experience as a journalist and writer, with bylines in publications including The Equity Magazine, The Sydney Morning Herald, ABC News and produce industry website FreshPlaza. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University, and when she’s not putting (virtual) pen to paper, she spends her time as an actress.

Expert review

The Endeavour Mutual Bank Visa gives you both low rates and a low annual fee. The 10.49% p.a. interest rate is on par with other low rate cards and applies to purchases and any debts you balance transfer to the account. You can also make purchases interest-free for up to 55 days in each statement period, as long as you pay off the account’s closing balance by the statement due date.

How to apply

You can apply for the Endeavour Mutual Bank Visa online by filling in a secure application form. To get started, make sure you meet the following eligibility requirements and have all the documents and details you need to complete the application.

Eligibility criteria

  • Australian residency status. You can apply for this card if you are an Australian permanent resident or citizen.
  • Employment details. You must have a regular, permanent income.

Card benefits

  • Low interest rate for purchases. You get a 10.49% p.a. interest rate for purchases and balance transfers made with this card, which is competitive with other low rate credit cards.
  • Interest-free days. If you pay the closing balance in full by the due date on each statement, you can take advantage of up to 55 days interest-free on purchases. If you're not sure how interest-free days work, this Finder guide gives you the lowdown.

Rates & fees

  • Annual fee. The Endeavour Mutual Bank Visa credit card charges a relatively low annual fee of $30.
  • Cash advances. If you withdraw cash or use this card for any other cash advance transactions, you'll be charged a fee worth 4% of the transaction. Cash advances also attract an interest rate of 15.49% p.a. from the date they are made.

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