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This customer-owned bank has a single credit card offering – the Amigo Visa. It is a low rate credit card issued by Community First Credit Union on behalf of South West Credit. Here, you’ll find details about the Amigo Visa, as well as the features and benefits you can access as a member of South West Credit.
The South West Credit Amigo Visa offers a low interest rate of 13% p.a. for purchases, cash advances and balance transfers. It also has an annual fee of $60 p.a. and up to 55 days interest-free on purchases if you pay the closing balance in full by the due date on each statement.
South West Credit is based in Warrnambool in Victoria and all staff work from there – so you'll never be put through to a call centre.
If you want to pay off your existing credit card or cards, you can request a transfer to the Amigo Visa at any time. This option is available for Australian credit or store cards with a balance of $500 or more, as long as it is not issued by Community First Credit Union. Interest on your balance transfer will then be charged at the ongoing rate of 13% p.a.
Make tap-and-go payments at the checkout without needing to enter a PIN for purchases under $100. You can also get access to exclusive movie, music and live entertainment ticketing offers through Visa Entertainment, plus travel and retail offers through the Visa Australia website.
You can manage your South West Credit Amigo Visa via Internet and phone banking. You can also access branch services in Warrnambool.
Get peace of mind with Visa's Zero Liability Policy for unauthorised transactions. You can also add a layer of security to online purchases with Verified by Visa.
South West Credit offers credit card application forms on its website. You can fill out the form via your computer, but will need to print and sign it before returning it to the bank. Alternatively, you can request a callback via the website, or visit the South West Credit branch in Warrnambool.
As part of the application process, make sure you meet the following requirements and have all the details and documents you'll need to submit the form.
Get a 13% p.a. interest rate for purchases, cash advances and balance transfers with the Amigo Visa from South West Credit.