Amigo Credit Card

Compare

Basic

Card Level
Card Level
Standard
Interest Free Days
Interest Free Days
55
Maximum credit limit
Maximum credit limit
$15,000
Minimum credit limit
Minimum credit limit
$1,000
Minimum repayment dollars
Minimum repayment dollars
$20
Minimum repayment percent
Minimum repayment percent
3
Number free supplementary
Number free supplementary
1
Annual Fee
Annual Fee
$49
Late Payment Fee
Late Payment Fee
$25
Over limit fee
Over limit fee
Duplicate statement fee
Duplicate statement fee
Supplementary card annual fee
Supplementary card annual fee
Apple Pay available
Apple Pay available
Google Pay available
Google Pay available
Samsung Pay available
Samsung Pay available
Card Level
Card Level
Standard
Interest Free Days
Interest Free Days
55
Maximum credit limit
Maximum credit limit
$15,000
Minimum credit limit
Minimum credit limit
$1,000
Minimum repayment dollars
Minimum repayment dollars
$20
Minimum repayment percent
Minimum repayment percent
3
Number free supplementary
Number free supplementary
1
Annual Fee
Annual Fee
$49
Late Payment Fee
Late Payment Fee
$25
Over limit fee
Over limit fee
Duplicate statement fee
Duplicate statement fee
Supplementary card annual fee
Supplementary card annual fee
Apple Pay available
Apple Pay available
Google Pay available
Google Pay available
Samsung Pay available
Samsung Pay available

Rates

Purchase Rate
Purchase Rate
11.99%
Cash advance rate
Cash advance rate
11.99%
Purchase Rate
Purchase Rate
11.99%
Cash advance rate
Cash advance rate
11.99%

Balance Transfer

Balance Transfer Rate
Balance Transfer Rate
6%
for 5 months then 11.99%
Transfer Limit
Transfer Limit
100%
of the chosen credit limit
Balance Transfer Fee
Balance Transfer Fee
$0
Balance Transfer Rate
Balance Transfer Rate
6%
for 5 months then 11.99%
Transfer Limit
Transfer Limit
100%
of the chosen credit limit
Balance Transfer Fee
Balance Transfer Fee
$0

Overseas spending

Foreign Exchange Fee
Foreign Exchange Fee
3% on Visa
Overseas charges
Overseas charges
$5
Estimated ATM Cost
Estimated ATM Cost
$14
for AU $300 withdrawal
Foreign Exchange Fee
Foreign Exchange Fee
3% on Visa
Overseas charges
Overseas charges
$5
Estimated ATM Cost
Estimated ATM Cost
$14
for AU $300 withdrawal

Rewards

Program name
Program name
Rewards Available
Rewards Available
Program name
Program name
Rewards Available
Rewards Available

Eligibility

Minimum age
Minimum age
18
Minimum income
Minimum income
Eligibility conditions
Eligibility conditions
Minimum age
Minimum age
18
Minimum income
Minimum income
Eligibility conditions
Eligibility conditions

Perks

  • Free Supplementary Cards

Features

The FCCS Credit Union Amigo credit card has a moderately low annual fee, moderately low interest rates and a moderate number of interest-free days. The card charges a moderately high late payment fee. This card does not come with an associated rewards scheme and does not earn points or frequent flyer miles.

The FCCS Credit Union Amigo credit card provides card holders with an introductory deal on balance transfers. This deal offers customers a very low interest rate on balance transfers for the first six months. After the offer has expired, balance transfers will be charged the card’s moderately low standard interest rates.

The FCCS Credit Union Amigo credit card is enabled with Visa payWave. Visa payWave allows customers to quickly and conveniently pay for transactions under $100 by simply waving the card in front of a Visa payWave reader.

Pros
  • Free additional cardholder
  • Balance transfer offer
  • Visa payWave-enabled
Cons
  • Charges an annual fee
  • No rewards scheme
  • No complimentary insurance

Who is it good for?

The FCCS Credit Union Amigo credit card may be a good fit for members of the FCCS Credit Union who want relatively low interest rates for everyday purchases. The card’s standard interest rates are moderately low, and customers can also take advantage of six months with very low interest rates on balance transfers.

The FCCS Credit Union Amigo credit card is not particularly well suited for customers in search of a card that eliminates unnecessary fees. Although the FCCS Credit Union Amigo credit card charges only a moderately low annual fee, this fee is not waived in the first year. The card also charges international transaction fees for purchases made with foreign currency or purchases made from foreign vendors. The card also charges a high late payment fee for each late payment.  

What RateCity says

The FCCS Credit Union Amigo credit card may be a sensible choice for existing FCCS members who want a no-fuss card for everyday spending. The card charges reasonable interest rates and offers a moderate interest-free period. The card’s annual fee is relatively low, though it is not waived in the first year.

Although some potential card holders may be tempted by this card’s balance transfer offer, there are cards that offer balance transfer deals with lower interest for a longer period. Customers wishing to transfer their debt may be better off with a card that offers 0 per cent interest on balance transfers for a number of months.

The FCCS Credit Union Amigo credit card also offers little to card holders who don’t require low rates or balance transfer offers. The card does not come with a rewards scheme, nor does it offer complimentary insurance. 

Applying/eligibility

In order to be eligible for the FCCS Credit Union Amigo credit card, you must be at least 18 years old and meet all serviceability criteria. Applicants can apply in minutes through a secure online application. To complete your application, you will need to provide personal details including contact information and photo ID. You must be an FCCS Credit Union member, and non-members can join when they apply for the card. 

About FCCS Credit Union

FCCS Credit Union is an Australian customer-owned bank. FCCS Credit Union was first established in 1974 by a small group of Ford Motor Company employees based in Geelong. After several mergers, membership was no longer limited to Ford employees and their families. Today, FCCS Credit Union offers an array of financial products and services to their members, including credit cards, home loans, car loans, financial planning, bank accounts and internet banking access.

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