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Our verdict

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

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.

As a Visa card, you can use it to make payments around the world and get exclusive access to offers on your shopping, entertainment, dining and travel through Visa Offers + Perks. Although this no-frills credit card has a competitive ongoing interest rate and annual fee, it’s still worth comparing with other options to see if you can find a card with more competitive rates and fees that is suited to your needs.

Pros

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

Cons

No rewards program and travel insurance

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.

Details

Product details

Product Name	Geelong Bank Amigo Credit Card
Balance transfer rate p.a.	4.99% for 6 months, then 11.99%
Purchase rate p.a.	11.99%
Interest-free period	Up to 55 days on purchases
Cash advance rate p.a.	11.99%
Min credit limit	$1,000
Card type	Visa

Eligibility

Available to temporary residents	No
Joint application	Yes

Rewards

Bonus points

N/A

Fees

Annual fee	$49
Minimum monthly repayment	3% of the closing balance or $20, whichever is greater
Late payment fee	$25
Foreign currency conversion fee	3%
Overseas cash advance fee	$5
Additional cardholder fee	$0

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.

Employment. You'll need to have a regular income from a job you have held for more than three months.
Credit history. Applicants shouldn't be bankrupt or have had any defaults on loans, credit cards, store cards or interest-free finance in the past five years. If you're unsure what details are listed, check your credit file for free before applying.

Required documents

Personal details. This includes your full name, marital status, residential address, contact number, and identification such as your driver's licence or passport.
Employment details. This includes your occupation, employer's contact details and copies of your two most recent payslips or group certificates. If you have been with your current employer for less than three years, you might be requested to provide details of your previous job.
Financial details. You will need to provide details of any assets, like properties or vehicles and savings as well as your pre-tax income, debts and other financial obligations you have.

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.

Balance transfer offer. This card offers an introductory 4.99% p.a. interest rate for 6 months on balance transfers. Any remaining balance at the end of the promotional period will attract interest at the standard balance transfer rate of 11.99% p.a. If you are still paying off a balance transfer, note that you won't be eligible for interest-free days on new purchases.
Additional cardholder. You can share this account with your partner or family member by requesting an additional card at no extra cost.
Visa offers. This card gives exclusive access to pre-sale concert tickets, live performances, movies and other perks through the complimentary Visa Entertainment service, as well as access to shopping and dining through Visa Offers + Perks.
Mobile payment technology. If you register this card to Apple Pay, Google Pay, or Samsung Pay, you can easily make contactless payments using your eligible mobile phone or device.

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.

Cash advance rate. This card charges an ongoing cash advance rate of 11.99% p.a.
Interest-free days. You can enjoy up to 55 days interest-free on purchases made with this card as long as you pay the full amount listed on your previous statement by the due date.
Foreign transaction fee. This card charges a 3% transaction fee if you shop overseas or online with an international retailer.

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Geelong Bank Amigo Credit Card

Pros

Cons

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

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