Credit card

$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
- Up to 55 days interest free on purchases
- 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
Application Fee	$0
Annual Fee	$0
Late Payment Fee	$10
Arrears Administration Fee	$10
Minimum Amount	$1,000
Maximum Amount	$25,000

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

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: 1 September 2017

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	Up to 55 days on purchases
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.

Make the most of your card
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.
Make the most of your card

Increasing your credit limit

Going overseas? Extra expenses this month? Apply to increase your credit limit and have the peace of mind of knowing you have extra funds available when you need them.

We will require your consent if you would like us to send you a written invitation to increase your credit limit. You can provide your consent by:
- Logging into internet banking and selecting the eCommunication and Consent tab
- Contacting us on 1800 800 225
You can give or withdraw your consent, at any time using these methods.

Choosing how to pay your credit card
- Have your minimum or outstanding balance payment due automatically deducted from your Everyday account or Everyday Direct account each month. Email us to arrange
- BPAY®
- Transfer from your other Firefighters Mutual Bank accounts using internet or phone banking
- Mail us a cheque from another financial institution.
Reviewing your transactions
- Login to internet banking
- Call phone banking anytime 1800 800 225
Transferring balances

You can apply to transfer the outstanding balance of any other credit or store cards you may have to your Credit Card up to your available credit limit. You can reduce the hassle and cost of managing multiple credit cards and benefit from our low interest rate.

Adding an additional cardholder

You can operate multiple credit cards on one account, with just one statement to manage each month. Just complete the Additional cardholder application and if they are not a signatory to another Firefighters Mutual Bank account please also complete the Document Certification Statement.
FAQs
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.
Frequently asked questions about our Credit Card

> Who can apply for a Credit Card?

> What will my credit limit be?

> How long does it take to apply and how fast can I get approval?

> Can I have an additional card/s?

> How do I make repayments?

> Can I use BPAY from my credit card account?

> How much do I have to pay monthly?

> When is the introductory interest rate applicable to me?

> When and how will I receive my monthly statement?

> Can I transfer balances from other cards?

> Is there an annual card fee?

> Do I receive up to 55 days interest free on all purchases?

> Can I access 24/7 telephone and internet banking services?

> How do I increase my credit limit?

> Will my card be issued with the payWave functionality?

> Will I receive a PIN with my Credit Card?

> Will I need a PIN number for overseas transactions?

> What if my card is lost or stolen?

> If my card is lost or damaged, will there be a card replacement fee?

> When should I receive the replacement card and PIN number?

> My Credit Card will expire at the end of this month. How do I renew my card?

> Will my card be embedded with a chip to give me greater protection from fraud?

> Can I set up recurring transactions?

> What is Verified by Visa?

> How do I register my consent to receiving credit card limit increase invitations?

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

Who can apply for a Credit Card?

You must be 18 years of age or older to apply for a Credit Card. You must also be a Firefighters Mutual Bank member or be eligible to become a member.

What will my credit limit be?

Your credit limit will be determined by your income and financial commitments. Limits range from $1,000 up to $25,000.

How long does it take to apply and how fast can I get approval?

Online applications take approximately 10 – 15 minutes and you should receive conditional approval within 24 hours (weekdays). You will then receive a phone call to confirm your details and written confirmation of your employment and income will be requested at that time (if not previously supplied).

Once all this has been completed a letter of offer will be sent followed by your credit card within 4 – 6 business days. You can also apply for a card at any of our offices or complete a Credit card application and return by mail or fax.

Can I have an additional card/s?

Yes. You can choose to have an additional card/s issued to family or any other persons, providing they are over 18 years of age. The additional card/s operate in the same manner as your primary card and you will be responsible for their usage. Apply for an Additional Credit card application.

How do I make repayments?

You can choose to pay part or all of any outstanding balance by using any of the following options:
- Transfer from your other Firefighters Mutual Bank accounts via phone or internet banking
- Organise an automatic repayment to have the minimum repayment amount due automatically deducted from your Everyday account
- Use BPAY from another financial institution
- Mail a cheque to us
Can I use BPAY from my credit card account?

Yes, BPAY functionality is available from your credit card account.

How much do I have to pay monthly?

You must pay the minimum payment (by the due date), which is found on your monthly statement. This amount is 3% of the closing balance. If you don’t pay the minimum payment by the due date, you may be charged an arrears administration fee and may have your account restricted.

When and how will I receive my monthly statement?

You can choose to receive your statement by mail or elect to download it in internet banking. The statement cycle commences on the 23rd of each month and continues until the 22nd of the following month, upon which a statement will be generated. This is forwarded to you 3 – 4 business days after the closing date.

When is the introductory interest rate applicable to me?

The introductory interest rate is applicable to new cardholders for 6 months. At the end of the 6 month period, the interest rate reverts to the standard Credit Card ongoing rate. If in those first 6 months you make a balance transfer from another card to the Credit Card, you will also receive the promotional interest rate on the balance up until the 6 months promotional period ends. Members that have previously held a Credit Card in the past are not eligible for the promotional interest rate.

Can I transfer balances from other cards?

Yes. You can save money by transferring any unpaid balances you have with other credit or store cards to your Credit Card. Complete the Credit card balance transfer application when applying or alternatively organise to transfer your balances over once you receive your credit card.

Is there an annual card fee?

No. You will not be charged an annual card fee.

Do I receive up to 55 days interest free on all purchases?

Yes. Even if you do not repay your outstanding balance entirely in the previous month, you are still eligible for the up to 55 days interest free period on every purchase.

Can I access 24/7 telephone and internet banking services?

Yes. Phone banking is accessible by calling 1800 800 225 and is available 24/7. Internet banking is available via the the login button above.

How do I increase my credit limit?

If you'd like to increase your credit limit, complete the Increased Credit card limit application.

Will my card be issued with the payWave functionality?

Yes. Visa payWave is a new contactless method of payment. It is a simple, secure and quick payment method for transactions up to $100. The technology enables cardholders to ‘tap’ their card on a contactless POS (point of sale) terminal to make transactions up to $100, rather than ‘swiping or dipping’ their card into POS terminals.

Will I receive a PIN with my Credit Card?

Yes. For a new or additional card, the card will be sent to you in the mail after you receive your PIN.

If you are replacing a damaged card or renewing an existing card, the PIN will remain the same.

Will I need a PIN number for overseas transactions?

Yes. Whether you are using a magnetic stripe or chip card, we strongly recommend that you know your PIN before travelling overseas. If you do not know your PIN, please call us on 1800 800 225.

What if my card is lost or stolen?

If your card is lost, stolen or you believe it may have been compromised, you must advise us immediately.

Call 1800 800 225.

Outside Australia, call +61 2 9735 9225.

If the country you are located in is not listed, or if you experience any difficulties with the above toll–free numbers, you can place a collect call through your local operator from overseas, to the 24–hour Visa Global Customer Assistance Service on +1 303 967 1090.

If my card is lost, stolen or damaged, will there be a card replacement fee?

Yes. A card replacement fee is payable when a card is damaged, captured, lost or the PIN is forgotten.

If you are overseas when your card is lost, stolen or damaged, you can contact Visa Global Customer Assistance Services to request an emergency card. The cost of this service is $150.

When should I receive the replacement card and PIN?

A replacement card and a new PIN (if applicable) will be mailed to you separately within 7 business days.

My Credit Card will expire at the end of this month. How do I renew my card?

You can continue to use your existing card until the last day of the month stated, for example, if the expiry date is 11/16 the card will expire on 30 November 2016.

A renewal card will automatically be issued during the expiry month and your PIN will remain the same.

If you do not receive your new card by the 21st of the month in which your card expires, please call us on 1800 800 225.

Will my card be embedded with a chip to give me greater protection from fraud?

Yes. All new, renewal and replacement Visa debit cards are issued with chips in line with the global standards for card security.

Can I set up recurring transactions?

Yes. You can set up recurring transactions to other organisations like insurance or car repayments to be charged to your card.

To set up a recurring transaction with other organisations, you must provide them with your 16–digit card number and expiry date, and advise the card type is Visa. As an additional security measure some organisations may require you to provide a CVV number (this is the three–digit code located on the back of your card to the right of the signature panel).

What is Verified by Visa?

Verified by Visa is a free service to ensure you are protected while shopping online with your card at participating merchants. All cards are automatically protected.

How do I register my consent to receiving credit card limit increase invitations?

If you would like us to send you a written invitation to increase your credit card limit, you will need to register your consent by:
- Internet Banking—under the 'eCommunication and Consent' menu
- Phone—call us on 1800 800 225
- Visit any of our offices
Remember, you can opt out of this consent at any time using the same methods as above.

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

To reduce your credit limit or close your credit card, contact us for more details.

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

Join

*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

Increasing your credit limit

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

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