Geelong Bank AMIGO Credit Card

Name: Geelong Bank AMIGO Credit Card
Brand: Geelong Bank
Rating: 4.0 (1 reviews)

4.99% p.a. for 6 months on balance transfers with no balance transfer fee. Reverts to 11.99% p.a.
Low ongoing annual fee of $49 p.a.
Low rate of 11.99% p.a. on cash advances and purchases.

Pros and cons

Additional cardholders. You can add additional cardholders at no extra cost.
Digital wallets. This card is compatible with Apple Pay, Google Pay and Samsung Pay.
Gambling transactions. Geelong Bank doesn't block gambling transactions, which will incur the cash advance interest rate and fee.

Complimentary travel insurance. The Geelong Bank AMIGO Credit Card does not offer free international travel insurance.
Concierge services. A concierge service is not available, which is unsurprising for a basic-level card like this.
Insurances. This card comes with fraud protection.
Rewards points. The Geelong Bank AMIGO Credit Card does not have a rewards program.
Sign up bonus. There is no sign up bonus.

Annual fee. The annual fee for this card is $49 p.a.
Balance transfers. The Geelong Bank AMIGO Credit Card offers a six-month introductory balance transfer rate of 4.99% p.a., with no balance transfer fees and a revert rate of 11.99% p.a. There is no balance transfer limit, meaning it's possible to use the entire credit limit for a balance transfer. The lack of a balance transfer fee somewhat offsets the lack of an interest-free offer.
Cash advances. If you use this card to make a cash advance, you will be charged 11.99% p.a. interest on the transaction from the date of the advance. Additionally, Geelong Bank will charge a one-off fee per cash advance transaction.
Foreign exchange fee. This card charges a 3% fee for foreign transactions, including purchases made while travelling overseas or with online stores based overseas.
Interest-free period. Get up to 55 days of interest-free on all your purchases with the Geelong Bank AMIGO Credit Card. To qualify for the interest-free period, you must pay off your previous balance or make the minimum required payment.
Purchases. This card has no introductory offer on purchases. Purchases made with this card will be charged the ongoing interest rate of 11.99% p.a. That is a competitive interest rate compared with the average and even other low rate cards.