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Endeavour Mutual Bank Visa Credit Card

1 review

Purchase rate

10.99% p.a.

Balance transfer

N/A

Annual fee

$48 p.a.
48% Complete (success)

Pros

Low 10.99% p.a. on purchases

Annual fee of $48

Cons

No introductory balance transfer offer

Endeavour Mutual Bank Visa Credit Card

Key features

  • Low 10.99% p.a. on purchases
  • Annual fee of $48
  • Up to 55 days interest free on purchases
100% of customers who have rated this card would recommend it
  • Rates
    82%
  • Fees
    67%
  • Rewards
    N/A
  • Customer Service
    67%
  • Value
    70%
Overall user rating 57%
1 reviews
Interest Rates
Purchase rate 10.99% p.a.
Cash advance rate 15.99% p.a.
Interest free on purchases up to 55 days
Balance Transfer
Credit limits
Minimum credit limit $1,000
Maximum credit limit N/A
Fees & repayments
Annual fee $48 p.a.
Cash advance fee N/A
Credit card type Visa
Complimentary insurance
Flight inconvenience insurance No
Transport accident cover No
Smartphone screen insurance No
Purchase protection insurance No
Extended warranty insurance No
Rental vehicle excess cover No
Extras
Eligible with Apple pay, Google Pay & Samsung pay

The Endeavour Mutual Bank Visa Credit Card

As a low rate card, the Endeavour Mutual Bank Visa Credit Card offers a low ongoing rate on purchases, while keeping costs down with a low annual fee. The card keeps features simple, but does offer up to 55 days interest free on purchases, and payment compatibility with Apple Pay, Google Pay and Samsung Pay.

What we love...

A low rate card such as the Endeavour Mutual Bank Visa Credit Card can help cardholders to save serious money if they happen to carry a balance on their account. While some cardholders may think nothing of carrying a balance month to month on a card with a much higher purchase rate, this could cost them a significant amount in interest. So, why would they keep doing this?

Often, cards that offer features and rewards charge higher rates of interest. Those features and rewards can make the cards seem worthwhile, as they provide the cardholder with something other than simply access to credit. However, in most cases, cardholders who carry a balance on those cards lose out on any value they gain from their card’s features and rewards with the interest they pay.

The solution? Cardholders who carry a balance may enjoy more value from a low rate card. While the Endeavour Mutual Bank Visa Credit Card doesn’t allow cardholders to earn rewards on card spending, or enjoy enticing extras such as airport lounge access or flight upgrades, it can reduce the amount they pay in interest on their carried-over balance. This should allow them to pay off more of their balance each month, to potentially clear it off and stop paying interest altogether.

For cardholders who do pay off their balance by the due date each month, they can benefit from up to 55 days interest free on purchases. This can be an awesome money-saver on both everyday purchases, and well timed larger purchases as well.

What’s not so great...

The Endeavour Mutual Bank Visa Credit Card is a basic card with no frills. Yes, it offers payment tech compatibility and interest free days on purchases, but that’s about it. Aside from the standard security and payment features, you won’t find any other extras to entice you. But, whether that is a pro or a con will really depend on what you want from your card.

Why should you choose this card?

If you want a low cost credit card, the Endeavour Mutual Bank Visa Credit Card could be a worthy option. It not only has a low purchase rate, it also has a low annual fee. Whether you use your card every day, or you simply like keeping a credit card in your wallet should you need it, this card can offer access to credit when you need it, while keeping costs low.

Aside from its low cost status, you may also like being part of a mutual. Endeavour Mutual Bank is a mutual organisation, which means it is owned by its members, not external shareholders. Being part of a mutual can provide plenty of benefits, including access to lower fees and competitive rates, while also be associated with an organisation that gives back to the community.

Overall Rating

The Endeavour Mutual Bank Visa Credit Card is a basic card that keeps costs down with a low purchase rate and low annual fee, providing compatibility with Apple Pay, Google Pay and Samsung Pay.

(showing the latest 10 Q&As)

  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Permanent Resident or Australian Citizen
  • You have your personal details ready to complete the online application
Endeavour Mutual Bank Visa Credit Card
Endeavour Mutual Bank Visa Credit Card

Endeavour Mutual Bank Visa Credit Card

Updated 18 June 2019

Purchase Rate (p.a)

10.99%

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$48

$0 over 0 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • Low 10.99% p.a. on purchases
  • Annual fee of $48

  • No introductory balance transfer offer

Creditcard.com.au review

Editor Review

The Endeavour Mutual Bank Visa Credit Card

As a low rate card, the Endeavour Mutual Bank Visa Credit Card offers a low ongoing rate on purchases, while keeping costs down with a low annual fee. The card keeps features simple, but does offer up to 55 days interest free on purchases, and payment compatibility with Apple Pay, Google Pay and Samsung Pay.

What we love...

A low rate card such as the Endeavour Mutual Bank Visa Credit Card can help cardholders to save serious money if they happen to carry a balance on their account. While some cardholders may think nothing of carrying a balance month to month on a card with a much higher purchase rate, this could cost them a significant amount in interest. So, why would they keep doing this?

Often, cards that offer features and rewards charge higher rates of interest. Those features and rewards can make the cards seem worthwhile, as they provide the cardholder with something other than simply access to credit. However, in most cases, cardholders who carry a balance on those cards lose out on any value they gain from their card’s features and rewards with the interest they pay.

The solution? Cardholders who carry a balance may enjoy more value from a low rate card. While the Endeavour Mutual Bank Visa Credit Card doesn’t allow cardholders to earn rewards on card spending, or enjoy enticing extras such as airport lounge access or flight upgrades, it can reduce the amount they pay in interest on their carried-over balance. This should allow them to pay off more of their balance each month, to potentially clear it off and stop paying interest altogether.

For cardholders who do pay off their balance by the due date each month, they can benefit from up to 55 days interest free on purchases. This can be an awesome money-saver on both everyday purchases, and well timed larger purchases as well.

What’s not so great...

The Endeavour Mutual Bank Visa Credit Card is a basic card with no frills. Yes, it offers payment tech compatibility and interest free days on purchases, but that’s about it. Aside from the standard security and payment features, you won’t find any other extras to entice you. But, whether that is a pro or a con will really depend on what you want from your card.

Why should you choose this card?

If you want a low cost credit card, the Endeavour Mutual Bank Visa Credit Card could be a worthy option. It not only has a low purchase rate, it also has a low annual fee. Whether you use your card every day, or you simply like keeping a credit card in your wallet should you need it, this card can offer access to credit when you need it, while keeping costs low.

Aside from its low cost status, you may also like being part of a mutual. Endeavour Mutual Bank is a mutual organisation, which means it is owned by its members, not external shareholders. Being part of a mutual can provide plenty of benefits, including access to lower fees and competitive rates, while also be associated with an organisation that gives back to the community.

Overall Rating

The Endeavour Mutual Bank Visa Credit Card is a basic card that keeps costs down with a low purchase rate and low annual fee, providing compatibility with Apple Pay, Google Pay and Samsung Pay.

User reviews

Endeavour Mutual Bank Visa Credit Card ( based on 1 Creditcard.com.au user review )

57% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates

Purchase rate 10.99% p.a.

Cash advance rate 15.99% p.a.

Interest free on purchases up to 55 days

Credit limits

Minimum credit limt $1,000

Maximum credit limit N/A

Fees & repayments

Annual fee $48 p.a.

Additional card holder fee N/A

Foreign transaction fee N/A

Minimum repayment

Cash advance fee N/A

Late payment fee N/A

Additional features

Complimentary insurance

Overseas travel insurance No

Flight inconvenience insurance No

Transport accident cover No

Smartphone screen insurance No

Purchase protection insurance No

Extended warranty insurance No

Rental vehicle excess cover No

Extras

Eligible with Apple pay, Google Pay & Samsung pay

Overview

Endeavour Mutual Bank Visa Credit Card

Key features

  • Low 10.99% p.a. on purchases
  • Annual fee of $48
  • Up to 55 days interest free on purchases

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Permanent Resident or Australian Citizen

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

(showing the latest 10 Q&As)

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