Central Murray Credit Union Amigo Visa

Get a low ongoing interest rate of 12.99% p.a. on purchases with the Central Murray Credit Union Amigo Visa card.

This low-cost credit card offers the same interest rate of 12.99% p.a. for purchases and cash advances. It also has a competitive annual fee of $59 and up to 55 days interest-free on purchases when you pay the balance in full by the due date on each statement.

12.99% p.a.

Purchase rate

$59 p.a.

Annual fee

55 days

Interest free period

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Product NameCentral Murray Amigo Credit Card
Purchase rate12.99% p.a.
Annual fee$59
Interest-free periodUp to 55 days on purchases
Cash advance rate12.99% p.a.
Min credit limit$500
Max credit limit$15,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo


  • Low 12.99% p.a. interest rate on purchases and cash advances
  • Up to 55 days interest-free on purchases
  • Compatible with Apple Pay & Google Pay


  • No rewards program and travel insurance
Bonus pointsN/A
Annual fee$59
Minimum monthly repayment3% of the closing balance outstanding
Late payment fee$25
Foreign currency conversion fee3%
Cash advance fee$5
Additional cardholder fee$0

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Central Murray Credit Union Amigo Visa is a no-frills credit card that offers the same interest rate of 12.99% p.a. for purchases and cash advances. It also charges a low annual fee of $59 p.a. But even though both the ongoing interest rate and annual fee on this card are competitive, it’s worth comparing other options to see if you can find a card with more competitive rates and fees to suit your goals.

How to apply

You can apply for the Central Murray Credit Union Amigo Visa card by filling out a credit card application form on the bank's website.

If you are submitting a joint application, the other person will also have to provide their details on the same application form. Before you apply, make sure you meet the following requirements and have all the required documents handy.

Eligibility criteria

  • Residency. You must be an Australian permanent resident or citizen.
  • Income and employment. You must earn a regular income and have been in your current job for more than 3 months.

Card benefits

  • Low interest rates. A 12.99% p.a. variable interest rate applies to all purchases and cash advances made on this card.
  • Additional cardholder. You can request an additional card at no extra cost.

Rates & fees

  • Annual fee. This card charges a $59 annual fee.
  • Interest-free days. Get up to 55 interest-free days on purchases when you pay the full amount listed on your previous statement by the due date.

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