If you or a family member belongs to the fire and emergency services, then you might want to check out the Firefighters Mutual Bank credit card - a card dedicated to support those who protect our country. This budget-friendly plastic features a low introductory 7.90% purchase rate (then 11.50%) as well as a $0 annual fee.
That's why this card won a 2020 Mozo Experts Choice Award for best No Annual Fee Credit Card.
With a 7.90% introductory rate and a $0 annual fee, it’s safe to say that the Firefighters Mutual Bank credit card is a card built for those that like to live on a budget. Since this a basic, low-rate card there’s no rewards program, but cardholders will enjoy up to 55 interest free days on purchases as well as having their plastic accepted in more than 200 countries around the world.
Speaking of overseas, one thing to keep in mind that this card does come with a 2.90% foreign exchange margin, so you will be charged a fee every time you use this card overseas or at an international online store.
And there’s no trouble if you forget your card at home, as you'll be able to pay via Apple, Google or Samsung Pay through your smartphone.
The Firefighters Mutual Bank credit card could be a great choice for Aussie firefighters or their loved ones looking to take advantage of a low rate card for everyday spending.
If you are planning on using the card overseas or when shopping at an international online store, keep in mind that you will be charged a 2.90% foreign exchange margin with every purchase, which can add up over time.
11.50% p.a.
7.90% p.a. for 6 months
7.90% p.a. for 6 months and then 11.50% p.a.
no
11.50% p.a.
55
$0.00
none
none
none
$10.00
4.5
2.90%
$7.00
$25.00
$0.00
none
3.0
yes
none
Apple Pay, Google Pay, Samsung Pay
This product is not currently reviewed.
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
American Express
Qantas Ultimate Card
20.74% p.a.
No current offer
$450
Qantas Frequent Flyer
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
HSBC
Platinum Credit Card
19.99% p.a.
0% p.a. for 36 months and then 21.99% p.a.
$129 $29 in the first year
Rewards Plus
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 9.90% p.a.
0% p.a. for 15 months and then 9.90% p.a.
$49 $0 in the first year
MoneyMe
Freestyle Virtual Mastercard
16.99% p.a.
No current offer
$209 Annual fee may vary.
American Express
Cashback Credit Card
Cashback Rewards
$120
No current offer
1 point uncapped
American Express
Qantas Ultimate Card
Qantas Frequent Flyer
$450
120,000
1.25 points uncapped
Westpac
Altitude Platinum
Altitude Rewards
$150 $99 in the first year
80,000
1 point uncapped
American Express
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
NAB
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
110,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
American Express
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
NAB
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250
65,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
HSBC
Platinum Credit Card
0% p.a. for 36 months and then 21.99% p.a.
19.99% p.a.
$129 $29 in the first year
Rewards Plus
Bendigo Bank
Low Rate Credit Card
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
11.99% p.a.
$45
Bankwest
Zero Mastercard
0% p.a. for 26 months and then 14.99% p.a. (2.00% balance transfer fee)
14.99% p.a.
$0
Westpac
Low Rate
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59 $0 in the first year
Great Southern Bank
Low Rate Credit Card
0% p.a. for 25 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
Bankwest
Zero Platinum Mastercard
0% p.a. for 26 months and then 14.99% p.a. (2.00% balance transfer fee)
14.99% p.a.
$0
St.George
Amplify Rewards Platinum
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
19.74% p.a.
$99
Rewards
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 9.90% p.a.
0% p.a. for 15 months and then 9.90% p.a.
$49 $0 in the first year
Bankwest
Zero Mastercard
14.99% p.a.
0% p.a. for 26 months and then 14.99% p.a. (2.00% balance transfer fee)
$0
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 9.90% p.a.
0% p.a. for 15 months and then 9.90% p.a.
$49 $0 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
St.George
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
6.99% p.a. for 12 months and then 21.49% p.a.
$0
NAB
StraightUp Card
0% p.a.
No current offer
$180 $15/month - waived if no spend & no balance owing
Bankwest
Breeze Platinum Mastercard
0% p.a. for 15 months then 9.90% p.a.
0% p.a. for 15 months and then 9.90% p.a.
$69 $0 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
$240 $20/month - waived if no spend & no balance owing
BankSA
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
6.99% p.a. for 12 months and then 21.49% p.a.
$0
