Orange CU AMIGO Credit Card

Orange CU AMIGO Credit Card

Highlights

  • Low annual fee of $49 p.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 and cons

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.

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The basics

  • Additional cardholders. An additional cardholder can be added at no extra cost.
  • Digital wallets. Orange CU customers can use Apple Pay, Google Pay, and Samsung Pay.
  • Gambling transactions. Gambling transactions are not allowed on this card.

Rewards and benefits

  • Complimentary travel insurance. International travel insurance is not available with the Orange CU AMIGO Credit Card.
  • Concierge services. Cardholders do not have access to a concierge service.
  • Insurances. This card does not offer any insurance coverage.
  • Rewards points. This credit card does not have a rewards program.
  • Sign up bonus. Orange Credit Union does not offer any sign up bonus for this card.

Rates and fees

  • Annual fee. The annual fee for this card is $49 p.a. This is about average for a value card such as this.
  • Balance transfers. This credit card offers a 0% introductory balance transfer rate for up to 14 months, with a low 13.99% p.a. revert rate after the promotional period ends.
  • Cash advances. If you decide to use your Orange CU AMIGO Credit Card for a cash advance, you will be charged 13.99% p.a. from the transaction date. A one-off fee will be charged too.
  • Foreign exchange fee. No foreign transaction fees are charged on purchases made in a foreign currency.
  • Interest-free period. Offers up to 55 days of interest-free purchases (excluding cash advances), provided the account balance is paid in full each month or at least the minimum payment is made.
  • Purchases. There is no introductory interest rate offer on purchases. Purchases made with this card will incur interest at the ongoing rate of 13.99% p.a.
Nilooka Dissanayake

Reviewed by Nilooka Dissanayake

Writer

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