- 13.99% p.a. on purchases, cash advances and balance transfers
- Up to 55 days interest free on purchases
- Add one additional cardholder at no extra cost
Hi, I’m a personal finance expert who loves to help you out! I’ll answer your question within a business day. Pinky swear.
Orange Credit Union Credit Cards
Discontinued: Orange Credit Union Amigo Credit Card
Updated 14 June 2024
This card is no longer available for application. This information has been left for those who still have the card or were previously interested
Enjoy one low interest rate of 13.99% on purchases, balance transfers, and cash advances. Save with a low annual fee of $49, up to 55 interest-free days on purchases plus, add an extra cardholder for free. T&Cs apply.
Purchase Rate (p.a)
13.99%
Balance Transfer (p.a)
13.99%
Annual Fee (p.a)
$49
Pros and cons
- You need to live in or have family who lives in Orange or its surrounds to become a member to apply for this card
Creditcard.com.au review
Editor Review
Discontinued: Orange Credit Union Amigo Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
The Orange Credit Union Amigo Credit Card
Offered to residents of Orange, New South Wales, the Orange Credit Union Amigo Credit Card provides a way for cardholders to save money with a low rate on purchases, cash advances and balance transfers. The card also offers up to 55 days interest free on purchases, a low annual fee and the opportunity to add one additional cardholder at no extra cost.
What we love...
Looking for a friend for your wallet? Introducing the Orange Credit Union Amigo Credit Card, your newest amigo. While we are unsure why Orange Credit Union decided to name its credit card after the Spanish word for friend, we would like to think it is because of its overall friendliness to your back pocket, helping to keep costs down with low interest and a low annual fee.
So, with that in mind, let’s delve a little deeper into what the Amigo has to offer. First up, interest. The Orange Credit Union Amigo Credit Card is a low rate card, with one rate across purchases, cash advances and balance transfers. While it may not be the lowest rate in the market, it is still lower than average, and could help you to save on interest when you carry a balance.
Unlike cards that have purchase rates that reach 22% and 23% p.a., this card attracts interest at a much lower rate, allowing cardholders to pay less in interest as they pay back more of what they owe. Once they have paid off their balance, they can continue to save on interest with up to 55 days interest free on purchases, when they clear their balance by the due date each month.
Offering further opportunity to save, the card also has a low annual fee. With a basic card such as this, you expect to pay a low annual fee, while rewards cards and cards with more features tend to have a higher annual fee. But, if you don’t need those extras, or you simply want to save money, a low feature, low annual card such as this may be your best bet.
Want to add an additional cardholder to the account? The Orange Credit Union Amigo Credit Card lets you do this at no extra cost. Not only can this save you money – and the hassle of opening another credit card account – it can also simplify your family finances. Instead of having two credit card accounts to track and pay off, you only have one.
What’s not so great...
If you don’t live in or have family who lives in Orange or its surrounds, you cannot become a member of Orange Credit Union. As membership is required to apply for any of the credit union’s products, that means you will not be able to apply for this card.
Why should you choose this card?
The Orange Credit Union Amigo Credit Card is available to those who meet membership and eligibility requirements. To be eligible, you must:
- Be an Australian citizen or a permanent resident over 18 years of age,
- Have a regular income from your current job that you have held longer than three months,
- Not be bankrupt or have had defaults on any loans, credit cards, interest-free finance or store cards in the past five years.
With its low minimum credit limit of $1,000, this card may suit smaller spenders who want to keep interest costs down on a low fee card. Features should not be of much importance to you if you choose this card, but you can still take advantage of handy extras such as Visa payWave, Visa Zero Liability and Verified by Visa, and the credit union’s lost or stolen card 24 hour hotline.
Overall Rating
Offering a low annual fee and low purchase rate, the Orange Credit Union Amigo Credit Card can help keep costs down, offering further opportunities to save with up to 55 days interest free on purchases.
User reviews
Rates and fees
Interest rates
Purchase rate 13.99% p.a.
Cash advance rate 13.99% p.a.
Interest free period on purchases up to 55 days
Balance transfer
Balance transfer rate 13.99% p.a. for 99 months
Balance transfer revert rate 13.99% p.a.
Balance transfer from personal loan N/A
Balance transfer fee No fee
Balance transfer limit up to 100% of approved credit limit
Brands you can't balance transfer from Orange Credit Union
Credit limits
Minimum credit limit $1,000
Maximum credit limit $15,000
Fees & repayments
Annual fee $49 p.a.
Additional cardholder fee $0
Foreign transaction fee 3%
Minimum repayment $20 or 3% (whichever is greater)
Cash advance fee $5
Late payment fee $25
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Overview
Discontinued: Orange Credit Union Amigo Credit Card
Key features
- 13.99% p.a. on purchases, cash advances and balance transfers
- Up to 55 days interest free on purchases
- $49 annual fee
- Add one additional cardholder at no extra cost
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Permanent Resident or Australian Citizen
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
Recently Asked Questions
Something you need to know about this card? Ask our credit card expert a question.
Ask a question(showing the latest 10 Q&As)
Featured Credit Cards
NAB Low Rate Credit Card – Balance Transfer Offer
0% on balance transfers for 24 months
$0 saved over 24 months
