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Orange Credit Union Amigo Credit Card review

Enjoy a competitive interest rate for all transactions and a low annual fee with the Orange Credit Union Amigo credit card.

Orange Credit Union’s Amigo Visa is a low-cost credit card that offers the same interest rate of 13.99% p.a. for purchases, balance transfers and cash advances. It also has a competitive annual fee of $49 and up to 55 days interest-free on purchases when you pay the balance in full by the due date on each statement.

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13.99% p.a.

Balance transfer rate

13.99% p.a.

Purchase rate

$49 p.a.

Annual fee

55 days

Interest free period

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Product NameOrange Credit Union Amigo Credit Card
Balance transfer rate p.a.13.99%
Balance transfer revert rateCash Advance Rate (13.99% p.a.)
Purchase rate p.a.13.99%
Annual fee$49
Interest-free periodUp to 55 days on purchases
Cash advance rate13.99% p.a.
Min credit limit$1,000
Max credit limit$15,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationNo


  • You'll be charged a low annual fee of $49.
  • This credit card attracts a uniform interest rate of 13.99% p.a. on purchases, balance transfers and cash advances.
  • Enjoy up to 55 days interest-free on purchases.
  • You can request an additional card at no extra cost.


  • This credit card does not come with a rewards program, so you won't be rewarded for spending.
  • Currently, there are no introductory rates offered by this credit card.
Bonus pointsN/A
Annual fee$49
Minimum monthly repayment3% of the closing balance or $20, whichever is greater
Late payment fee$25
Foreign currency conversion fee3%
Cash advance fee$5
Additional cardholder fee$0
Number of additional cardholders1

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The Orange Credit Union Amigo is a Visa credit card with simple account features. Its 13.99% p.a. interest rate is on par with other low rate options, although you can compare credit cards to find lower rates. The $49 annual fee on this credit card is also competitive with other no-frills cards.

How to apply

You can apply for Orange Credit Union's Amigo credit card by filling in an application form on the Orange Credit Union website. Alternatively, you can call the credit union on (02) 6362 4466. To apply, you need to meet the following requirements and have all the required details handy.

Eligibility criteria

  • Age. You must be at least 18 years of age.
  • Residency status. You must be an Australian citizen or permanent resident.

Card benefits

  • Competitive purchase rate. This card offers a purchase rate of 13.99% p.a., which is relatively competitive when compared to other credit card interest rates.
  • Low annual fee. This no-frills card boasts a low annual fee of $49.

Rates & fees

  • Interest-free days. You can enjoy up to 55 days interest-free on purchases made with this card as long as you pay your full closing balance by the payment due date on your statement.
  • Late payment fee. If you don't pay at least the minimum amount listed on your statement by the due date, a fee of $25 will apply.

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