Teachers Mutual Bank
Credit Card
Teachers Mutual Bank · cred and chrg cards
Provider last updated this product 2026-09-09.
Go to provider
You'll complete your application on
Teachers Mutual Bank's website. Confirm the rate and fees with them
before applying.
Use your credit card for shopping, travelling overseas or even to consolidate other credit or store card debt.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| PURCHASE | 11.50% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Purchase interest rate applies to the amount of any transaction with a merchant made on a credit card account. | |||||||
| CASH ADVANCE | 11.50% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Cash advance interest rate applies to the amount of cash or its equivalent that is withdrawn or transacted from a credit card account. | |||||||
| INTRODUCTORY | 7.90% | - | OTHER | OTHER | 6 months | - | calculated daily, paid monthly |
| Introductory interest rate applies to balance transfer and purchase transactions for the first 6 months from the date of the Letter of Offer. | |||||||
| BALANCE TRANSFER | 7.90% | - | OTHER | OTHER | - | 1 - 6 months | calculated daily, paid monthly |
| BALANCE TRANSFER | 11.50% | - | OTHER | OTHER | - | 7+ months | calculated daily, paid monthly |
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| LATE_PAYMENT_FEE | LATE_PAYMENT | $10 | Payable by debit to your account when the minimum payment on a Credit Card account is not received by the due date. Charged once per statement period. |
| CARD_REPLACEMENT_FEE | EVENT | $10 | Payable when you request a replacement card. |
| ATM_WITHDRAWALS_OVERSEAS | TRANSACTION | $4 | - |
| INTERNATIONAL_CONVERSION_FEE | TRANSACTION | 2.90% | 2.90% of transaction value in $AUD collected by Cuscal Limited - 0.90% paid to Us; 1.00% retained by Cuscal; 1.00% paid to Visa International. Payable when you transact in a foreign currency using your Visa card either online or at a merchant point of sale (irrespective of where the transaction occurs; performed not in Australian Dollar; or overseas merchants transact in a foreign currency.) |
| CASH_ADVANCES_FEE | CASH_ADVANCE | $4 | 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). |
| DEFAULT_NOTICE_FEE | EVENT | $25 | Payable when we send you a default notice asking you to remedy a default under your credit contract. |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-08-09 | 2026-09-30 (current) | 7.90% |
Published figures as captured daily since 2026-08-09. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- Special Introductory Rate for first 6 months.
- No application fee
- No annual fee
Who can apply
- otherYou must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.
- residency status - Individuals must be citizens or permanent residents of Australia.
- otherAll applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions online or from any of our offices.
- min age - 18
Limits
- min limit - 1000.00
- max limit - 25000.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-09T15:13:03.000+10:00 · Product ID: 5aee7d43-7685-43c7-849b-d1cdba21c895