Firefighters Mutual Bank Credit Card

Save on credit card costs with an introductory rate of 7.9% p.a. for 6 months and a $0 annual fee for life.

The Firefighters Mutual Bank Credit Card is a low-cost Visa that offers new customers a 7.9% p.a. interest rate on purchases and balance transfers for the first 6 months. After that, an 11.5% p.a. variable rate applies.

No reviews yet. Write a review

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!


Product NameFirefighters Mutual Bank Credit Card
Balance transfer rate7.9% p.a. for 6 months
Balance transfer revert rateCash Advance Rate (11.5% p.a.)
Purchase rate7.9% p.a. for 6 months, reverts to 11.5% p.a.
Annual fee$0
Interest-free periodUp to 55 days on purchases
Cash advance rate11.5% p.a.
Min credit limit$1,000
Max credit limit$25,000
Card typeVisa
Foreign currency conversion fee2.9%
Available to temporary residentsNo


  • Ongoing $0 annual fee
  • 7.9% p.a. for the first 6 on purchases and balance transfers
  • Up to 55 days interest-free on purchases


  • Charges a 2.9% foreign transaction fee
Bonus pointsN/A
Annual fee$0
Minimum monthly repayment3% of the closing balance outstanding
Late payment fee$10
Foreign currency conversion fee2.9%
Cash advance fee$4.50
Overseas ATM withdrawal fee$4.50

How to apply

You can apply for the Firefighters Mutual Bank Credit Card if you are a current or retired employee of a fire service or other emergency service. You can also apply if you're a current volunteer or a family member of someone in one of these service roles.

If that's the case, you can fill in a secure application form online in around 15 minutes. To get started, make sure you meet the other key eligibility requirements below and have all the documents and details you'll need on hand.

Eligibility criteria

  • Australian residency status. You must be an Australian citizen or permanent resident.
  • Age. You must be at least 18 years of age.

Card benefits

  • No annual fee. The Firefighters Mutual Bank Credit Card has a $0 annual fee for life.
  • 7.9% p.a. introductory rate. If you're a new cardholder, you'll get a 7.9% p.a. interest rate on purchases and balance transfers for the first 6 months. At the end of the introductory period, the interest rate on this card is 11.5% p.a. for all purchases, balance transfers and cash advances.

Rates and fees

  • Interest rate. Outside of any promotions, this card has a 11.5% p.a. variable interest rate for purchases, balance transfers and cash advances.
  • Currency conversion fee. If you use this card for payments made in another currency, you'll be charged a fee worth 2.9% of the total transaction value when it's converted to Australian dollars.

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Firefighters Mutual Bank Credit Card offers the cost-saving combination of a low rate and no annual fee for life. The 11.5% p.a. variable rate on this card is competitive with other low rate options and the 6-month introductory rate could help you save a bit more on interest charges when you first get the card. But it’s worth comparing the features of this card with others that offer introductory 0% interest rates to find one that lines up with your goals.

Ask an expert

To ask a question simply log in via your email or create an account.

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