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Goulburn Murray Credit Union AMIGO Credit Card

Name: Goulburn Murray Credit Union AMIGO Credit Card
Brand: Goulburn Murray Credit Union
Rating: 3.8 (1 reviews)

Enjoy 5.49% p.a. for 6 months on balance transfers with a 0% balance transfer fee. Reverts 12% p.a. thereafter.
Low annual fee of $49 p.a.
Low ongoing interest rate of 12% p.a. on cash advances, and purchases.

Pros and cons

Additional cardholders. You can add an additional cardholder at no cost, sharing it with family.
Digital wallets. This card works with Apple Pay, Google Pay and Samsung Pay.
Gambling transactions. Goulburn Murray Credit Union charges the cash advance rate and fee on gambling transactions.

Complimentary travel insurance. The Goulburn Murray Credit Union AMIGO Credit Card does not come with complimentary international travel insurance.
Concierge services. A concierge service, which can be helpful with a range of organisational tasks, is not available. This is to be expected of a basic-level card such as this one.
Insurances. This card does not offer any insurance benefits. Again, this is typical of a card like this.
Rewards points. This credit card does not have a rewards program.
Sign up bonus. No rewards program means there is no sign up bonus either.

Annual fee. The ongoing annual fee for this card is $49 p.a. Many other low rate cards charge a similar annual fee too.
Balance transfers. The Goulburn Murray Credit Union AMIGO Credit Card offers 6 months at 5.49% p.a. on balances transferred from non-Goulburn cards. After the promotional period, any remaining balance will revert to 12% p.a. Although the introductory offer is not interest-free, there is no balance transfer fee. Balance transfers from personal loans are not accepted.
Cash advances. All cash advances will be charged interest at 12% p.a. from the transaction date. Transactions classified as cash advances may incur a one-off fee in addition to the interest rate. This rate is competitive since many cards have a much higher rate on cash advances in comparison.
Foreign exchange fee. All transactions made in a foreign currency overseas or online will incur a 3% fee, which is around average.
Interest-free period. The Goulburn Murray Credit Union AMIGO Credit Card offers up to 55 days interest-free on purchases, provided you have paid off your previous balance or made the minimum required payments.
Purchases. With no introductory offer on purchases, all purchases made with this card will attract interest at the ongoing rate of 12% p.a. This is not the absolute lowest ongoing rate, but it is competitively low.