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 2021 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
Bendigo Bank
Low Rate Credit Card
0% p.a. for 18 months then 11.99% p.a.
No current offer
$45
Virgin Money
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months and then 20.99% p.a.
$129 $64 in the first year
Velocity Frequent Flyer
MoneyMe
Freestyle Virtual Mastercard
16.99% p.a.
No current offer
$209 $0 - $149 based on credit limit, $5/month for balances over $20.
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
Bendigo Bank
Platinum Rewards Credit Card
0% p.a. for 12 months then 19.99% p.a.
No current offer
$89
Bendigo Rewards
Virgin Money
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 28 months and then 20.99% p.a.
$129 $0 in the first year
Velocity Frequent Flyer
St.George
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
Bendigo Bank
Platinum Rewards Credit Card
Bendigo Rewards
$89
No current offer
1.5 points uncapped
Virgin Money
Virgin Australia Velocity Flyer Card - Bonus Points Offer
Velocity Frequent Flyer
$129 $64 in the first year
100,000
0.66 points up to $1,500/month, then
0.5 points uncapped
Westpac
Altitude Black
Altitude Rewards
$250 $99 in the first year
180,000
1.25 points uncapped
American Express
Velocity Platinum Card
Velocity Frequent Flyer
$375
100,000
1.25 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
Virgin Money
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 28 months and then 20.99% p.a.
20.74% p.a.
$129 $0 in the first year
Velocity Frequent Flyer
Virgin Money
Virgin Australia Velocity High Flyer Card
0% p.a. for 12 months and then 20.99% p.a.
20.74% p.a.
$289
Velocity Frequent Flyer
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
Bankwest
Breeze Mastercard
0% p.a. for 15 months and then 9.90% p.a.
0% p.a. for 15 months then 9.90% p.a.
$49 $0 in the first year
Bank of Melbourne
Vertigo
0% p.a. for 32 months and then 21.49% p.a.
13.99% p.a.
$55 $0 in the first year
BankSA
Vertigo
0% p.a. for 32 months and then 21.49% p.a.
13.99% p.a.
$55 $0 in the first year
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
St.George
Vertigo
0% p.a. for 32 months and then 21.49% p.a.
13.99% p.a.
$55 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 18 months then 11.99% p.a.
No current offer
$45
Virgin Money
Low Rate Card
11.99% p.a.
0% p.a. for 15 months and then 21.69% p.a. (1.00% balance transfer fee)
$99
MoneyMe
Freestyle Virtual Mastercard
16.99% p.a.
No current offer
$209 $0 - $149 based on credit limit, $5/month for balances over $20.
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
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
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
St.George
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
BankSA
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 18 months then 11.99% p.a.
No current offer
$45
Bendigo Bank
Platinum Rewards Credit Card
0% p.a. for 12 months then 19.99% p.a.
No current offer
$89
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
St.George
Vertigo
0% p.a. for 18 months then 13.99% p.a.
No current offer
$55 $0 in the first year
David Jones
American Express Card
0% p.a. for 12 months then 20.74% p.a.
No current offer
$99
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
Bank of Melbourne
Vertigo
0% p.a. for 18 months then 13.99% p.a.
No current offer
$55 $0 in the first year
BankSA
Vertigo
0% p.a. for 18 months then 13.99% p.a.
No current offer
$55 $0 in the first year
