In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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Central Murray Credit Union Amigo Visa

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Central Murray Amigo Credit Card
Terms and conditions apply
Purchase rate
12.99% p.a.
Annual fee
$59 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

Offers a low ongoing interest rate of 12.99% p.a., worldwide Visa acceptance and a $59 annual fee.

The Central Murray Credit Union Amigo Visa is a no-frills credit card that offers the same 12.99% p.a. interest rate for purchases and cash advances. Its $59 p.a. annual fee is also similar to other low rate cards but is not the lowest fee on the market. So, while both the ongoing interest rate and annual fee on this card are competitive, it’s worth comparing other cards before you apply.

Pros

  • 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

Cons

  • No rewards program and travel insurance

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

This low-cost credit card offers an ongoing 12.99% p.a. variable interest rate when you have a balance. It also offers up to 55 interest-free days on purchases when you pay the balance in full by the due date on each statement. While a low rate card can help you save on interest charges, make sure you factor the annual fee into your comparison before you apply.

Details

Product details

Product Name Central Murray Amigo Credit Card
Purchase rate p.a.
Purchase rate p.a.
12.99%
Interest-free period
Up to 55 days on purchases
Cash advance rate p.a. 12.99%
Min credit limit $500
Max credit limit $15,000
Card type Visa

Eligibility

Available to temporary residents No

Rewards

Bonus points N/A

Fees

Annual fee
Annual fee
$59
Minimum monthly repayment 3% of the closing balance outstanding
Late payment fee $25
Foreign currency conversion fee
Foreign currency conversion fee
3%
Cash advance fee $5
Additional cardholder fee $0

How to apply

You can apply for the Central Murray Credit Union Amigo Visa Credit Card online through the bank's website. The secure application form is hosted by Community First, which is the issuer of this card.

Before you apply, make sure you meet the eligibility criteria and have all the details you need for the application.

Eligibility criteria

  • Residency. You must be an Australian permanent resident or citizen.
  • Income and employment. You must earn a regular income.

Card benefits

  • Low interest rate. The Central Murray Credit Union Amigo Visa has an ongoing 12.99% p.a. variable interest rate for purchases and cash advances. This is competitive with other low rate credit cards, which typically offer rates between 8% p.a. and 15% p.a. for purchases.
  • Contactless and mobile payments. This card comes with a Visa payWave technology which allows you to make tap-and-go payments without entering a PIN for purchases less than $100. You can also link your Amigo Visa card with Google Pay and Apple Pay to make contactless payments using your Android and Apple devices.

Rates & fees

  • Annual fee. This card charges a $59 annual fee, which is at the lower end of the scale for credit cards in Australia.
  • Additional cardholder. You can request an additional card at no extra cost.

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Amy Finder

Editor

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