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Orange Credit Union Amigo Credit Card
Orange Credit Union Amigo Credit Card

Orange Credit Union Amigo Credit Card

Updated 27 November 2019

Purchase Rate (p.a)

13.99%

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$49

$0

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Pros and cons

  • 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

  • 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

Orange Credit Union Amigo Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. 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

Orange Credit Union Amigo Credit Card ( based on 1 Creditcard.com.au user review )

48% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

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

Credit limits

Minimum credit limt $1,000

Maximum credit limit $15,000

Fees & repayments

Annual fee $49 p.a.

Additional card holder fee $0

Foreign transaction fee N/A

Minimum repayment

Cash advance fee N/A

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

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

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

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