We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
Orange Credit Union offers one credit card option: the low-cost Amigo Visa credit card. You can use this guide to learn more about this card, as well as key features and benefits you can get if you choose this option from Orange Credit Union.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
The Orange Credit Union Amigo Visa comes with a low ongoing interest rate for all balances, a competitive annual fee and up to 55 interest-free days on purchases. It also has flexible credit limits from $1,000 to $15,000 (subject to lending criteria and approval) and can be used all over the world, anywhere Visa is accepted.
Benefits of banking with Orange Credit Union
Some of the benefits of getting a credit card from Orange Credit Union include:
Same interest rate for all balances
While most credit cards charge a different interest rate for purchases, cash advances and balance transfers, the Orange Credit Union Amigo has the same 13.99% p.a. variable interest rate for these different types of transactions.
Visa benefits
You can use an Orange Credit Union Amigo credit card in-store, online or over the phone with any business that accepts Visa payments. When you're shopping in a store, you'll get the added benefit of contactless payments, including no need to enter a PIN if the purchase is under $100. You also get access to exclusive shopping, dining, entertainment and travel deals through Visa Offers + Perks.
Account security
With this credit card, you get the protection of Visa's Zero Liability Policy for fraudulent transactions, and can report lost or stolen cards at any time of day by calling the 24-hour hotline on 1300 705 750. You can also track and manage you account details via phone, branch or Internet banking.
How to apply for an Orange Credit Union credit card
You can apply for an Orange Credit Union credit card by downloading and completing an application form that's available on the credit union's website. Alternatively, you can call Orange Credit Union on 02 6362 4466. To get started, check that you meet the following eligibility criteria and have all the documents and details you'll need to complete the application.
Eligibility criteria
Income. You need to have a regular income.
Employment. You must have been in your current job for at least 3 months.
Australian residency status. You must be an Australian citizen or permanent resident.
Credit history. Your credit history should not show defaults from any loans, credit cards, interest-free finance or store cards for the last 5 years. If you're not sure what's on your credit history, you can get a free copy of your credit report and score through Finder.
Age. You must be at least 18 years of age.
Documents and details
Personal details. This includes your full name, date of birth, residential address, phone number, email address and marital status. You may also include your driver's licence number or Orange Credit Union membership number if you have these details.
Work details. This covers your employer's name and contact details, the length of employment, whether you're a contractor, part-time or full-time and your occupation. If you've been in your current job less than 3 years, you also need to provide details for your previous job.
Income. This includes your main income, as well as income from other sources. To help verify these details, you also need to include your two most recent payslips and two years of payment summaries from your employer, or two years of tax assessment notices.
Other financial details. This covers other assets such as savings, as well as expenses such as rent or mortgage payments, other loans and credit cards, plus your monthly share of living expenses.
Frequently asked questions
Want to know more about Orange Credit Union credit card options? Check out our answers to the most commonly asked questions here, or leave your own question in the comment box below.
While you can’t apply for an Orange Credit Union credit card online, you can download an application form through the website. Alternatively, you can call Orange Credit Union on 02 6362 4466.
The credit limit you'll get with an Orange Credit Union credit card varies based on your individual circumstances, lending criteria and card approval. As a guide, the Amigo Visa offers credit limits ranging from $1,000 to $15,000.
You can apply to permanently reduce your credit limit by filling in an application form on the Orange Credit Union website. If you want to request a credit limit increase, you can call the Amigo card team on 1300 377 800. Note that requests for credit limit increases are subject to lending criteria and approval.
Orange Credit Union does not currently offer a credit card that earns reward points. You can compare reward credit cards to find options from other providers that will offer you points for your spending.
If you want to report a lost or stolen Orange Credit Union credit card, call the Visa hotline on 1300 705 750 (in Australia) or +61 2 8299 9534 (when overseas). Your card will then be cancelled, so you'll need to call the Amigo card team on 1300 377 800 to request a replacement.
Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.
Pay on plastic for less with a low annual fee, competitive interest rate on purchases and cash advances and up to 55 interest-free days with the Orange Credit Union Amigo credit card.
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of banks, insurers and product issuers. We value our editorial independence and follow editorial guidelines.
finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don't cover every available product or service.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan.
Products marked as 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money here.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.