Orange Credit Union Credit Cards

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Orange Credit Union offers two MasterCard alternatives - one rewards spending and the other comes with a low interest rate.

Orange Credit Union began operations in 1964, in the form of the Email (Orange) Employees Credit Union, and it touched the 1,000 members mark in 1971. It now has more than 15,000 members and assets in excess of $155 million. This credit union offers its members an array of financial services and products, which include home loans, personal loans, car loans, credit cards, overdrafts, savings accounts, access accounts, term deposits, insurance solutions, and financial planning advice. It is located in Orange, NSW.

Important information

The Orange Credit Union credit cards are no longer available for new applications. However, we've kept the information online for the benefit of existing customers and for those who are interested.

You can compare the current range of low interest rate and platinum credit cards here.

Types of credit cards Orange Credit Union offers

Orange Credit Union offers two MyCard alternatives from MasterCard and both these cards give cardholders worldwide access to funds.

  • Low rate credit cards

    Low rate credit cards are ideal for individuals who are looking for cost-effective cards and don’t want reward points. The Low Rate MasterCard you can get through Orange Credit Union comes with a low ongoing rate and offers as many as 55 interest free days on purchases. If you wish to use this card for balance transfers you can avail of a discounted balance transfer rate.

Rates last updated February 26th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on balance transfers for the first 18 months combined with a low annual fee.
13.99% p.a. 0% p.a. for 18 months with a one off 3% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 12 months and 0% p.a. for up to 6 months on purchases.
0% p.a. for 6 months (reverts to 13.24% p.a.) 0% p.a. for 12 months $55 p.a. Up to 55 days on purchases Go to site More info
HSBC Low Rate Credit Card
This card comes with a balance transfer offer, a low interest rate and up to 55 days interest-free on purchases.
13.25% p.a. 0% p.a. for 15 months with 2% balance transfer fee $55 p.a. Up to 55 days on purchases Go to site More info
Bankwest Breeze MasterCard
Enjoy an introductory rate of 0% p.a. on balance transfers for 21 months (2% balance transfer fee applies). Limited time only.
12.99% p.a. 0% p.a. for 21 months with 2% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate Platinum
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 11.49% p.a.) $99 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Platinum Card
Offers a low introductory rate of 0% p.a. on balance transfers for 18 months plus enjoy premium benefits including international travel insurance.
13.99% p.a. 0% p.a. for 18 months with a one off 3% balance transfer fee $100 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 12 months on balance transfers and 0% p.a. for 6 months on purchases, plus a low annual fee.
0% p.a. for 6 months (reverts to 13.24% p.a.) 0% p.a. for 12 months $55 p.a. Up to 55 days on purchases Go to site More info
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
0% p.a. for 6 months (reverts to 13.49% p.a.) 0% p.a. for 12 months $59 p.a. Up to 55 days on purchases Go to site More info

Learn more about Low Rate Credit Cards

  • Platinum credit cards

    If you’re looking forward to earning and redeeming reward points, and if you travel from time to time, a platinum card may be ideal for you. Not only does the Platinum MasterCard come linked to a rewards program, it also offers complimentary travel insurances. Cardholders get an introductory 0% p.a. rate on balance transfers.

Rates last updated February 26th, 2017
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB Premium Card
Platinum credit card benefits including higher credit limits and travel insurance, plus a low interest rate on balance transfers.
VISA/MC: 0 AMEX: 0 Yes 19.74% p.a. 0% p.a. for 24 months with a one off 3% balance transfer fee $90 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
VISA/MC: 0 AMEX: 0 Yes 0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
Citi Rewards Credit Card - Platinum Card
Enjoy a long term balance transfer offer and earn 1.25 Citi Reward Points on per $1 spent for all domestic purchases.
VISA/MC: 1.25 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $49 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 2 bonus Velocity Points in the first 3 months and a low 0% p.a. for 18 months on balance transfers. Receive a free Virgin Australia $129 Gift Voucher each year.
VISA/MC: 0.66 AMEX: 0 No 20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
American Express Qantas Ultimate Card
Enjoy up to 50,000 bonus Qantas Points on eligible spend, earn up to 3 Qantas Points per $1 spent and get a free domestic return flight every year.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
American Express Explorer Credit Card
Receive 50,000 Membership Rewards Bonus Points on eligible spend within the first 3 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
2 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $395 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. $199 p.a. Go to site More info
Bankwest Breeze Platinum MasterCard
A Platinum card offer with a 0% p.a. for 21 months on balance transfers and $0 on foreign transactions. Limited time only.
VISA/MC: 0 AMEX: 0 Yes 12.99% p.a. 0% p.a. for 21 months with 2% balance transfer fee $99 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn up to 1.5 Qantas Points per dollar spent.
VISA/MC: 0.5 AMEX: 1.5 Yes 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
Citi Simplicity Card
Take advantage of the 0% p.a. for 15 months offer on balance transfers, a low interest rate on purchases, an annual fee waiver for life, plus 5% cash back on retail purchases.
VISA/MC: 0 AMEX: 0 No 19.99% p.a. 0% p.a. for 15 months with 1.5% balance transfer fee $0 p.a. Go to site More info
28 Degrees Platinum MasterCard
Benefit from no international transaction fees on purchases, no currency conversion fees and no annual fee.
No 21.99% p.a. 4.99% p.a. for 6 months $0 p.a. Go to site More info
ANZ Low Rate Platinum
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
Yes 0% p.a. for 6 months (reverts to 11.49% p.a.) $99 p.a. Go to site More info
NAB Low Rate Platinum Card
Offers a low introductory rate of 0% p.a. on balance transfers for 18 months plus enjoy premium benefits including international travel insurance.
Yes 13.99% p.a. 0% p.a. for 18 months with a one off 3% balance transfer fee $100 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
An interest-free period on both purchases and balance transfers.
VISA/MC: 0.66 AMEX: 0 No 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
Commonwealth Bank Business Platinum Awards Credit Card
Earn up to 3 Awards points per dollar spent and enjoy a range complimentary insurances.
VISA/MC: 1 AMEX: 3 Yes 20.74% p.a. 5.99% p.a. for 5 months $300 p.a. Go to site More info
Learn more about Platinum Credit Cards

Benefits of getting a credit card from Orange Credit Union

As with other credit unions, banking with Orange Credit Union brings with it competitive interest rates, reduced fees, and personalised service. Benefits of getting a credit card through this credit union include the following.

  • Discounted annual fee

    Apply in time and you can keep paying a discounted annual fee for as long as you keep using your card. This applies for, both, low rate and platinum cards.

  • Introductory interest rate

    The Low Rate MasterCard offers a discounted interest rate for nine months on balance transfers. The Platinum MasterCard offers a 0% p.a. interest rate for 14 months, on balance transfers.

  • Insurance covers

    Both these cards offer protection through purchase cover insurance and guaranteed pricing scheme. The platinum card offers complimentary covers for travellers in the form of international travel insurance, interstate flight inconvenience insurance, and transit accident insurance.

  • Concierge service

    The platinum card gives you round-the-clock access to a platinum concierge service that can help in different circumstances. It can help you locate restaurants and make reservations; it can book tickets to sporting events, live shows, and movies; it can help you with your travel plans; and you can also turn to it for secretarial services.

  • Balance transfers

    You can use both these cards to transfer balances from existing credit or store cards, and since both come with introductory interest rate offers you can save you money in the form of interest. You can transfer balances up to 80% of your credit limit.

Frequently asked questions

A number of questions appear commonly when it comes to Orange Credit Union credit cards and here are answers to the same.

What repayment options do I have?

You can use an Orange savings or access account or just about any Australian bank account to make payments via online or phone banking, and you can also set up direct debits. You can make payments by cheque as well.

What is the credit limit?

The minimum credit limit of the low rate card is $2,000, and it changes to $6,000 for the platinum card. Maximum limit at the time of initial approval for the low rate card is $15,000, and it increases to $30,000 for the platinum card.

Can I apply for an increase in credit limit?

While you can apply for an increase in your card’s limit, you have to meet certain criteria for approval.

What happens to the interest rate at the end of the promotional period?

With the low rate card, any outstanding balance from balance transfers starts attracting the card’s cash advance rate. This remains the same for the platinum card, and outstanding balances from purchases start attracting the card’s purchase rate.

Does the reward program attract a fee?

No, membership to the rewards program comes free with the Platinum MasterCard.

How do I earn reward points?

You earn reward points when you use your Platinum MasterCard to make purchases, be it in-store, online, or over the phone. Every dollar spent earns 1.25 reward points.

How do I find out how many points I have?

Your credit card statement tells you how many reward points you’ve managed to accumulate. You can also find out how many points you have by visiting the Card Services website or by calling Card Services on 1300 135 538.

Do reward points expire?

Your reward points won’t expire as long as you keep using your card and keep your account in good standing.

How many reward points can I earn?

The platinum card allows you to earn 100,000 reward points in every 12 months cycle, which begins from the time you enrol into the program.

How do I redeem my points?

Visit the Card Services website to redeem your reward points, and you can also do so by calling 1300 135 538.

What can I get for my reward points?

You can use your reward points to book flight tickets through the Take Flight option. You can also get travel vouchers and store vouchers or choose from a wide variety of merchandise. Another option is to transfer your reward points to a frequent flyer program.

What do I do if I lose my card?

If you want to report a lost or stolen MasterCard you should call the toll free hotline on 1800 648 027.

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ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

0
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149

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