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Geelong Bank Amigo Credit Card

Take advantage of a low, ongoing interest rate on purchases, cash advances and balance transfers, along with a low annual fee.

With this low-cost credit card, you get an ongoing interest rate of 11.99% p.a. on purchases, cash advances and balance transfers. It also comes with a low annual fee of $49 and up to 55 days interest-free on purchases when you pay your balance in full by the due date on each statement.

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4.99% p.a.

Balance transfer rate

for 6 months

11.99% p.a.

Purchase rate

$49 p.a.

Annual fee

55 days

Interest free period

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Product NameGeelong Bank Amigo Credit Card
Balance transfer rate p.a.4.99% for 6 months
Balance transfer revert rateBalance Transfer Revert Rate (11.99%)
Purchase rate p.a.11.99%
Annual fee$49
Interest-free periodUp to 55 days on purchases
Cash advance rate11.99% p.a.
Min credit limit$1,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationYes


  • Low 11.99% p.a. interest rate on purchases, cash advances and balance transfers
  • Balance transfer offer of 4.99% for 6 months
  • Compatible with Apple Pay, Google Pay & Samsung Pay
  • A competitive annual fee


  • No rewards program and travel insurance
Bonus pointsN/A
Annual fee$49
Minimum monthly repayment3% of the closing balance or $20, whichever is greater
Late payment fee$25
Foreign currency conversion fee3%
Overseas cash advance fee$5
Additional cardholder fee$0

Review by

Amy has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. She is also the editorial lead for Finder Green, covering sustainability across different industries. Her work has appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy also has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Geelong Bank Amigo Credit Card is a Visa card that has simple account features, a low interest rate of 11.99% p.a. and a $49 annual fee. You can also use it to make contactless payments with Apple Pay, Google Pay or Samsung Pay using your eligible device.

How to apply

You can apply for a Geelong Bank Amigo Credit Card by filling out the application form on the bank's website.

For joint applications, the other person should also provide their details on the same application form. As part of the application process, make sure you meet the following requirements and have all the necessary details prepared.

Eligibility criteria

  • Age. You must be at least 18 years of age.
  • Residency status. You must be an Australian citizen or permanent resident.

Card benefits

  • Low interest rate. This card charges the same competitive interest rate of 11.99% p.a. on purchases, balance transfers and cash advances.
  • Low annual fee. You can save with a low annual fee of $49 with this no-frills card.

Rates & fees

  • Annual fee. This card has a competitive annual fee of $49.
  • Balance transfers. Once you have this card, you can apply to transfer any outstanding credit or store card balance of $500 or more to your available Amigo card limit. Outside of any promotions, any balance on this card will be charged at the standard rate of 11.99% p.a.

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