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Goulburn Murray Credit Union Amigo Credit Card

Enjoy a low annual fee and a low ongoing interest rate of 12% p.a.

The Goulburn Murray Credit Union Amigo is a no-frills credit card with a $49 annual fee and a competitive interest rate of 12% p.a. on purchases, cash advances and balance transfers. If you pay your balance in full by the due date on each statement, you can enjoy up to 55 days interest-free on purchases.

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5.49% p.a.

Balance transfer rate

for 6 months

12% p.a.

Purchase rate

$49 p.a.

Annual fee

55 days

Interest free period

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Product NameGoulburn Murray Credit Union amigo Credit Card
Balance transfer rate p.a.5.49% for 6 months
Balance transfer revert rateBalance Transfer Revert Rate (12%)
Purchase rate p.a.12%
Annual fee$49
Interest-free periodUp to 55 days on purchases
Cash advance rate12% p.a.
Min credit limit$1,000
Max credit limit$15,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo


  • Low 12% p.a. interest rate on purchases, cash advances and balance transfers
  • Balance transfer offer of 5.49% for 6 months
  • Compatible with Apple Pay, Google Pay & Samsung Pay
  • A competitive annual fee of $49


  • 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%
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 Goulburn Murray Credit Union Amigo Credit Card offers a mix of low-cost and basic credit card features. Both its $49 annual fee and 12% p.a. interest rate are on par with other low rate and low fee cards.

How to apply

You can apply for the Goulburn Murray Credit Union Amigo Credit Card by filling out a credit card application form on the Goulburn Murray website. Top apply, you need to have the necessary requirements and details handy.

If you're submitting a joint application, the other person will also have to 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 details and documents you'll need to submit the form.

Eligibility criteria

  • Age. You need to be at least 18 years old.
  • Residency status. You must be an Australian citizen or permanent resident.

Card benefits

  • 12% p.a. interest rate. This card offers a low ongoing interest rate of 12% p.a. on purchases, cash advances and balance transfers.
  • Balance transfer offer. If you want to pay off existing debt, you can take advantage of an introductory 5.49% p.a. balance transfer rate for the first 6 months. This reverts to the standard balance transfer rate of 12% p.a. after the promotional period.

Rates & fees

  • Annual fee. This card has an annual fee of $49.
  • Credit limits. You can request a credit limit ranging from $1,000 up to $15,000.

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