Orange Credit Union Credit Cards

Orange Credit Union is a member-owned financial institution that was founded in 1964. It's based in Orange, NSW but anyone can become a member. It offers one credit card, the Orange Credit Union Amigo, which offers low-cost features and Visa benefits.

Orange Credit Union Credit Cards

Name	Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Orange Credit Union Amigo Credit Card	Purchase rate p.a. 13.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 13.99%	Annual fee $49	More Info Compare	Receive up to 55 days interest-free on purchases, the ability to use Visa payWave and an additional card for no cost.

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Types of credit cards from Orange Credit Union

• Low rate credit card

  The Orange Credit Union Amigo Credit Card has a 13.99% p.a. interest rate for all balances, which is low compared to the average credit card interest rate of around 20%. It 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. Its $49 annual fee is also similar to other low rate credit cards.

Benefits of an Orange Credit Union credit card

• Same interest rate for all balances

  While most credit cards charge different interest rates 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. This can make it easier to calculate potential interest charges and budget for repayments.

• 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

You can apply for an Orange Credit Union credit card online by filling in a secure application form, which is hosted by Community First (the issuer of the Amigo credit card). Alternatively, you can request a callback or 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 must have a regular income.
• Australian residency status. You must be an Australian citizen or permanent resident.
• Credit history. Your credit history should not show any defaults and you can't be an undischarged bankrupt. 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.

Credit card brands similar to Orange Credit Union

If you want a credit card from a credit union or member-owned back, here are 3 other credit card providers you could compare:

• Regional Australia Bank credit cards
• Southwest Slopes Credit Union credit cards
• Community First credit cards

Frequently asked questions

• Can I change my credit limit?

  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.

• Can I earn reward points?

  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.

• Who owns Orange Credit Union?

  Orange Credit Union is owned by its members, as a mutual organisation. But the Orange Credit Union Amigo credit card is issued by Community First Credit Union Limited AFSL and Australian Credit Licence Number 231204.

Contact details and related links

• Orange Credit Union phone number: (02) 6362 4466
• Lost or stolen cards Visa hotline: 1300 705 750 in Australia or +61 2 8299 9534 overseas
• Orange Credit Union home loans
• Regional Australia Bank savings and bank accounts

Image: Orange Credit Union