South West Credit Amigo Visa Card

Get a low, ongoing interest rate for purchases, cash advances and balance transfers.

The South West Credit Amigo Visa offers an interest rate of 13% p.a. and an annual fee of $60. You can also enjoy up to 55 days interest-free on purchases when you pay your balance in full by the due date on each statement.

13% p.a.

Balance transfer rate

13% p.a.

Purchase rate

$60 p.a.

Annual fee

55 days

Interest free period

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Product NameSouth West Credit Amigo Visa
Balance transfer rate13% p.a.
Purchase rate13% p.a.
Annual fee$60
Interest-free periodUp to 55 days on purchases
Cash advance rate13% p.a.
Min credit limit$1,000
Max credit limit$15,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationYes


  • Low interest rate of 13% p.a. on purchases, balance transfers and cash advances.
  • Additional card at no extra cost
  • Up to 55 days interest-free on purchases


  • No travel insurance or rewards program
  • Must be a member of the South West Credit Union to apply
Bonus pointsN/A
Annual fee$60
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 Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Amigo Visa is a straightforward credit card suited to members of South West Credit – or anyone looking for an alternative to the big banks. While most credit cards charge a higher rate for cash advances and balance transfers (outside of promotional offers), this card offers the same 13% p.a. interest rate for these transactions, as well as your retail purchases.

But even though both the ongoing interest rate and annual fee on this card are competitive, it’s worth comparing with other options to see if you can find a card with more competitive rates and fees to suit your goals.

How to apply

You can apply for the South West Credit Amigo Visa by filling out a credit card application form on the bank's website. While there is an option to fill out the form via your computer, you need to print and sign it before returning it to the bank.

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

  • Residency. You must be an Australian permanent resident or citizen.
  • Income and employment. You need to have regular income from a job that you have held for at least 3 months.

Card benefits

  • 13% p.a. interest rate. This card offers the same competitive interest rate for retail purchases, cash advances and balance transfers.
  • Interest-free days. Get up to 55 days interest-free on purchases when you pay the full amount listed on your previous statement by the due date.

Rates & fees

  • Annual fee. This card has an annual fee of $60, which is competitive among low rate cards.
  • Balance transfers. If you have debt on an existing credit card or store card, you can fill in a balance transfer request form to have it transferred to this card. Note that your debt must be at least $500 and cannot be from an account issued by Community First Credit Union (which is the issuer of the South West Credit Amigo Visa). The 13% interest rate will apply to any balance transferred to this account. If you want a promotional 0% p.a. interest rate for your balance transfer, compare other cards before you apply.

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