Our low rate Visa credit card is called Amigo!

Have the confidence to enjoy the moment. Whether it's for everyday or the unexpected, the Amigo Credit Card has got you covered.

✓ Enjoy up to 55 days interest free
✓ Additional card available at no extra cost
✓ Introductory offer for 6 months on balance transfers

Introductory offer 4.99% pa

  • Same ongoing rate of on retail purchases, cash advances and balance transfers.
  • Introductory offer for 6 months on balance transfers.
  • Annual fee of $49.
  • Enjoy up to 55 days interest free.
  • Additional card available at no extra cost.
  • For transactions under $100, just wave your Visa payWave-enabled card in front of a Visa payWave reader and go.
  • Apple Pay, Google Pay and Samsung Pay available.
  • Mobile app.
Credit Card - Amigo Interest Rate (p.a.)
Balance Transfer 4.99% pa
Purchases and Cash Advances 11.99% pa

From 1 April 2019, Community First Bank will be leaving the rediATM scheme. As the Amigo Credit Card is issued by Community First, this means that Amigo cardholders may be charged a direct charge fee when using a rediATM. Further information can be found here.

The Australian Government passed new legislation that will change the way interest is calculated on credit card purchases from 1 January 2019.  You can find out how these reforms affect you here.


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Key Fact Sheet

Amigo Visa Credit Card

Target Market Determination

Low Rate Credit Card


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Important Information


  • 1 The Amigo Visa Credit Card is issued on behalf of Ford Co-operative Credit Society Limited ABN 74 087 651 456 trading as Geelong Bank by Community First Bank ABN 80 087 649 938, AFSL and Australian Credit Licence Number 231204. Amigo: Credit eligibility criteria, terms and conditions, fees and charges apply. Rates are current as at 12/12/2016 and subject to change without notice. This is an introductory rate for 6 months only on balance transfers. This introductory rate is for 6 months from funding. After the initial 6 month introductory period, the interest rate of 4.99% p.a. will revert back to the standard credit card rates at the time. Currently this rate is 11.99% p.a. This offer is only available for new applications and can be withdrawn at any time without notice.