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Credit Cards

Visa Classic Credit Card

A competitive low interest Credit Card.

VTMB - Victoria Teachers Mutual - Visa Classic Credit Card Our great Visa Classic Credit Card comes with a low interest rate, no annual fee and up to 55 days interest free.

Main Features

  • A low competitive interest rate.1
  • No annual fee.
  • Up to 55 days interest free.2
  • No monthly administration fees.
  • 24/7 access.
  • Quick approval.
  • Easy repayment options.
  • Visa payWave contactless technology.

Accepted everywhere

Our Visa Classic Credit Card can be used worldwide, including:

  • Wherever the Visa logo is displayed.
  • At POS terminals (by pressing 'credit').
  • At contactless POS terminals (tap and go) for transactions up to $100.
  • At ATM terminals where the Visa logo is displayed.
  • Over the phone to pay bills or to make purchases.
  • Via the internet to pay bills or to make purchases.
  • Using Bpay or Bpay View via the internet to pay bills.

Balance transfers

Want to reduce interest, save fees and consolidate your debts?

Think about transferring your balance from another lender by completing the 'Balance Transfer Request' section on the application form.


Would you like to know more about this product?

Chat with one of our Member Service Consultants online to find out more about this product or any other enquires you may have. Web Chat is available between 9:00am and 5:00pm Monday to Friday. For enquiries when a Consultant is busy or unavailable please call us on 1300 654 822 or email memserv@victeach.com.au.
Note: For security reasons, we will not discuss your personal details or sensitive account information via this service.

  1. Variable interest rate. Fees and charges apply. Full details on request.
  2. Does not apply to cash advances or balance transfers.

Rates & Fees

Interest Rate (p.a.)1 12.94%
Annual Fee $0

Terms and Conditions

 Visa Credit Card Terms and Conditions
Part A - Product Information
Part B - Fees and Charges
Part C - Interest Rates

  1. Interest Rates effective 25 May 2015. Interest is calculated daily. Interest rates are per annum, current at the time of printing and are subject to change without notice.


Budget Planner Calculator

Wondering where your money goes? Help plan for the future by doing your budget online.


More Information


Personal Loans and Credit Cards Brochure

A Credit Card is a form of short-term finance, to buy goods or services now and pay for them later. Using our Credit Card is very convenient and efficient. It reduces the amount of cash you need to carry and it also allows you to purchase goods and services over the internet and phone.



Key Facts about Credit Cards

Refer to our Key Facts about Credit Cards document for an overview of our Credit Cards.

 Key Facts about Credit Cards

How do I apply?


Alternatively, you can: 


Apply over the phone

By calling our friendly Lending Consultants on 1300 654 822 between 9:00am and 5:00pm Monday to Friday.



Download a Credit Card Application

Complete the application and return it to the Mutual Bank by mail, fax or take it to one of our Service Centres.



Download a Personal Loan Documentation Checklist

For a list of the documents required to apply for your Loan.


Visit our Service Centre

Complete an application in person at our Hawthorn East or Moonee Ponds Service Centres.