Orange Credit Union

Compare Orange Credit Union credit cards and make an informed decision before deciding whether to apply.

Orange Credit Union credit card

Orange CU AMIGO Credit Card

On website

Orange CU AMIGO Credit Card

Balance transfer

N/A

Purchase rate

13.99% p.a. ongoing

Annual fee

$49.00 p.a. ongoing

Highlights

  • Benefit from a low annual fee of $49 p.a.
  • Take advantage of a low-interest rate of 13.99% p.a. on balance transfers, cash advances, and purchases.
  • Enjoy up to 55 days interest-free on purchases.

Pros

  • Credit limit from as little as $1,000.
  • Low interest rates on purchases, cash advances, and balance transfers.
  • Use Visa PayWave for transactions under $100.
  • Get an additional card at no extra cost.

Cons

  • No rewards program.
  • Foreign currency transactions come with a 3% fee.
  • No introductory interest-free balance transfer offer.

Orange Credit Union offers a range of credit cards with competitive features to suit various financial needs. Whether you are looking for a rewards program, low interest rates, or a card with additional security features, Orange Credit Union has options that may align with your requirements.

Benefits of Orange Credit Union Credit Cards

Orange Credit Union credit cards come with a range of benefits that make them a popular choice among consumers. Some of the key advantages of holding an Orange Credit Union credit card include:

  • Competitive interest rates
  • Rewards programs
  • Fraud protection
  • Access to exclusive offers and discounts
  • Mobile payment options like Apple Pay, Google Pay, and Samsung Pay
  • Convenient online account management

How to Apply for an Orange Credit Union Credit Card

Applying for an Orange Credit Union credit card is a straightforward process. Here are the general steps involved in obtaining a credit card from Orange Credit Union:

  1. Visit the Orange Credit Union website or a branch location to explore the available credit card options.
  2. Select the credit card that best suits your financial needs and lifestyle.
  3. Complete the online application form or submit a paper application in-person.
  4. Provide the required documents such as proof of identity, income, and address.
  5. Wait for the credit card approval process to be completed.
  6. Upon approval, activate your new credit card and start using it responsibly.

Managing Your Orange Credit Union Credit Card Account

Once you have successfully obtained an Orange Credit Union credit card, it's essential to manage your account effectively to maintain financial health and maximise the benefits of your card. Some tips for managing your credit card account include:

  • Monitor your transactions regularly to detect any unauthorised activity.
  • Pay your bills on time to avoid late fees and negative impacts on your credit score.
  • Set up account alerts to stay informed about due dates, balances, and transactions.
  • Avoid carrying a high balance on your card to minimise interest charges.
  • Review your statements to track spending patterns and identify areas for improvement.