Credit card

Contactless card PIN limits (payWave) are increasing temporarily from $100 to $200, effective 6 April 2020. This will reduce the need for physical contact with a payment terminal and help to lower the risk of COVID-19 transmission.

$0

Application Fee
7.90%pa

Introductory Rate For First 6 Months
$0

Annual Fee

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Features and benefits
Manage your card

Need to work out your card repayments? Use our handy calculator. You can also do your banking using our mobile app and online.
Use your credit card for shopping, travelling overseas or even to consolidate other credit or store card debt.
- Special introductory rate for the first 6 months
- No annual fee
- You may receive up to 55 days interest free period for purchases provided you continue to pay
  your closing balance in full on or before every statement due date.*
- Make fast and convenient payments on purchases up to $100 with payWave¹
- Hassle-free balance transfers
- Safe and secure chip card technology
- Extra protection with Visa Zero Liability²
- Worldwide acceptance in 200+ countries
- 24-hour hotline for lost or stolen cards
- Credit limit of $1,000 - $25,000
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Rates and fees

Interest rates
Introductory Rate For First 6 Months	7.90%pa
Interest Rate	11.50%pa
Interest rates effective date	Interest rate effective 1 November 2016
Interest rates type	Variable

Other information

Fee	Amount and description
Late Payment Fee	$10
Arrears Administration Fee	$10
ATM Withdrawals Overseas	$4.50
International Conversion Fee	2.90% of transaction value in $AUD
Cash Advances Fee	$4.50 payable when Visa Debit and Visa Credit card cash advances at other financial institutions in Australia and overseas. Individual bank branches may not offer this service and may charge additional fees (at cost).
Paper Statement Fee	$1.50 payable when you have elected to receive a paper statement by post in addition to a statement available for you to view and download in Internet Banking. It is in addition to fees for replacement and additional statements. It is debited to your credit card account on the 7^th day of the month after the end of a statement period.
Default Notice Fee	$25 payable when we send you a default notice asking you to remedy a default under your credit contract.
Member Trace Fee	$20.00 payable by debit to your account, each time we undertake a search to locate you following your payment default if you changed your address without notifying us.
Copy of Statement Fee	$7 per page payable when you request a listing of previous transactions.
Archive Search Fee	$50 per hour (minimum charge $25). Payable when you request a document that must be retrieved from our archives.
Card Replacement Fee	$10 payable when you request a replacement card.

For full details of our fees, please review the Fees and Charges brochure.

Download the Fees and Charges brochure [PDF]

Key facts sheet

Credit card key fact sheet

There are 2 easy ways to apply for a credit card: online and paper. Before applying ensure you read the information provided in the key facts sheet below.

This information is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

Key facts about this credit card

Effective Date: 23 April 2019

Description of credit card
Product name	Credit Card
Minimum credit limit	$1,000
Minimum repayments	3% of the closing debit balance as per the monthly statement, rounded up by the nearest dollar, by the due date as stated on the monthly statement
Interest on purchases	11.50% pa
Interest-free period	You may receive up to 55 days interest free period for purchases provided you continue to pay your closing balance in full on or before every statement due date
Interest on cash advances	11.50% pa
Promotional interest rate	7.90% for the first 6 months
Interest on balance transfers	7.90% pa for the first 6 months (counting from time account is opened not when the balance transfer was performed). After the first 6 months, 11.50% pa
Annual fee	$0
Late payment fee	$10 and is payable when the minimum payment is not received by the due date as indicated on the statement

There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this credit card can be obtained from www.fmbank.com.au/fees.

For more information on choosing and using credit cards visit the ASIC consumer website at www.moneysmart.gov.au.

The terms on which this credit card is offered can change over time. You can check if any changes have been made by visiting www.fmbank.com.au/creditcardfactsheet.

Here's what you'll need to apply...

To be an Australian citizen or permanent resident
18 years old or over
+
Identification
+
Allow 15 minutes to complete application online
+
Details on income and expenses

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*Important information

¹ At participating merchants.

² Visa’s Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify Firefighters Mutual Bank promptly of any unauthorised Visa use.

For more information, see our Credit Card terms and conditions

Credit card

Manage your card

Use your credit card for shopping, travelling overseas or even to consolidate other credit or store card debt.

Credit card key fact sheet

Key facts about this credit card

Description of credit card

Manage your card

Make the most of your card

Choosing how to pay your credit card

Reviewing your transactions

Transferring balances

Adding an additional cardholder

Manage your card

Frequently asked questions about our Credit Card

Managing your credit card balance

How can I decrease my limit or close my credit card?

Here's what you'll need to apply...