Thumbnail icon for Sydney Mutual Bank

Sydney Mutual Bank Low Rate Visa Credit Card

Purchase rate
10.49% p.a.
Balance transfer rate
No current offer
Annual fees
$30
Interest free days on purchases
55

Mozo editorial review Sydney Mutual Bank Low Rate Visa Credit Card

Last updated: 1 October 2019.

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What's hot
  • 2019 Mozo Experts Choice Award winner
  • No balance transfer fees
  • Low 10.49% purchase rate
What's not
  • $4 cash advance fee
Mozo snapshot

Winning 2019 Award for best Low Rate Travel Credit Card is the Sydney Mutual Bank Low Rate Visa Credit Card with its 10.49% purchase rate and 10.49% cash advance rate to match. Accepted at 24 million locations worldwide, this is a piece of plastic you may want to have on your side - wherever you are in the world.

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Key features

The Sydney Mutual Bank Low Rate Visa Credit Card is a fantastic option for the budget conscious spender, thanks to its 10.49% purchase and cash advance rate. The $30 annual fee is very affordable,  but the $25 late payment fee is important to keep in mind along with the $4 cash advance fee. 

If it’s built up debt that has you interested in the Sydney Mutual Bank Low Rate Visa Credit Card, the good news is there is no balance transfer fee. But keep in mind that transferred balances will attract interest at the regular 10.49% interest rate. 

With the Sydney Mutual Bank Low Rate Visa Credit Card, you’ll have up to 55 interest free days and be able to pay at 24 million locations worldwide, while being able to make payments through payWave. As a cardholder, you’ll also have access to Visa Entertainment and a minimum credit limit of $1,000.


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Who is it good for

The Sydney Mutual Bank Low Rate Visa Credit Card is a good choice for anyone who isn’t really interested in rewards or perks and is after a convenient, low rate card.


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Any catches

If you are looking to use the Sydney Mutual Bank Low Rate Visa Credit Card to clear any built up debt, unlike other credit cards, there is no interest free period on balance transfers. Instead, you will have a starting and ongoing rate of 10.49%, which you’ll need to factor into your budget.


Details

Rates and fees information correct as at 2 July 2020 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 10.49% p.a.

  • none

  • No current offer

  • none

  • 15.49% p.a.

  • 55

Fees
  • $30.00

  • none

  • none

  • none

  • $25.00

  • $4.00

  • 2.00%

  • $6.00

  • $30.00

  • $0.00

Features
  • $20.00

  • 2.5

  • yes

  • none

Payment options

Apple Pay, Google Pay, Samsung Pay

Customer Reviews

How are Sydney Mutual Bank credit cards rated by the Mozo community?

Overall customer rating
7.9/10
Price
7.2/10
Features
6.1/10
Customer service
8.5/10
Convenience
7.8/10
Trust
8.2/10

Latest reviews of Sydney Mutual Bank Low Rate Visa Credit Card

  • Overall 9/10
    Great bank

    I love SCU because the process is simple, easy, lovely staff and I have a low rate and low annual fee.

    Read full review

    I love SCU because the process is simple, easy, lovely staff and I have a low rate and low annual fee.

    Price
    9/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    7/10
    Trust
    9/10
    Less
    Tj, New South Wales reviewed almost 5 years ago
  • Overall 7/10
    Excellent customer service

    I bank with My Credit Union and even though I don't receive rewards, there rates are comparable with other banks, and I also find their service very helpful. They are polite, and I never have to wait on the line for more than 1 minute before speaking to a person.

    Read full review

    I bank with My Credit Union and even though I don't receive rewards, there rates are comparable with other banks, and I also find their service very helpful. They are polite, and I never have to wait on the line for more than 1 minute before speaking to a person.

    Price
    5/10
    Features
    5/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    9/10
    Less
    Jessie, New South Wales reviewed over 5 years ago
  • Overall 10/10
    Very good and helpful

    I love the Sutherland Credit Union as they are helpful when you are at the counter with tellers. They are great when you ring up to get help or if you have a problem or are not sure on how to do something. We have been with this credit union for around 40 years and have always been very pleased to deal with them.

    Read full review

    I love the Sutherland Credit Union as they are helpful when you are at the counter with tellers. They are great when you ring up to get help or if you have a problem or are not sure on how to do something. We have been with this credit union for around 40 years and have always been very pleased to deal with them.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Kerrie, New South Wales reviewed over 6 years ago
  • Overall 10/10
    customer service fantastic

    wonderful

    Read full review

    wonderful

    Price
    9/10
    Features
    9/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Mozo community reviewer, New South Wales reviewed almost 7 years ago
Sydney Mutual Bank

About Sydney Mutual Bank

SCU previously known as Sydney Credit Union creates a longer lasting relationship when it comes to banking. SCU offers great rates for customers, with accounts that have low or no fees attached. Products that SCU offer savings accounts, term deposits, debit cards, personal, car and home loans, credit cards, business finance and overdrafts facilities. SCU are generous when it comes to dealing with your money.

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