Visa Debit Card

To apply for our Visa Debit card, you will need:

• To be at least 15 years of age
• To be a permanent Australian resident
• To have an Orange Credit Union account linked to your Visa Debit card
• To complete an application, available at our office or online

Our Visa Debit card is an access card which is linked to your All Purpose Savings account, Prestige Account or Budget Account, allowing you to use your own money wherever Visa is accepted.

• Everyday Convenience: Access to one of the largest ATM networks in Australia (rediATM). You can also use your card to make payments over the phone and pay bills online
• Great Value: Unlimited fee-free transactions at eftpos when you press the credit button or use Apple Pay, Google Pay or Samsung Pay in your smartphone
• Control your budget: You can only spend what you have. Unlike a credit card, a debit card has no credit facility, so you only use your own funds and therefore there is no interest payable
• Flexibility and Freedom: Make purchases online, on the phone, or in the shops wherever Visa is accepted

We recommend you do the following before you depart:

1. As part of your pre-journey plans always let us know where and how long you are away - especially if you are travelling overseas
2. Like all card issuers we monitor overseas card transactions as part of our fraud programs
3. You will be helping us when you give us details including which countries you intend to visit
4. Always check with us if there are any restrictions & to confirm daily overseas withdrawal limits and applicable fees.
5. Remember you will need to memorise your card PIN for overseas ATM withdrawals
6. ATM’s around the world means you have access to local currency and the convenience of not carrying large amounts of cash, however skimmers can spoil your holiday so always be alert and cover your PIN wherever you use the card
7. Keep a record of your card numbers AND telephone number for reporting lost or stolen cards 
8. Keep these with copies of passports and tickets in a safe place (not handbag or wallet)
9. Always let us know a contact here in Australia or an email address where we can reach you whilst travelling or if you will have active mobile roaming so we can contact you
10. If you are going to be overseas for a lengthy time please let us know and ensure you provide us with a contact address and telephone number

• Take a back up credit card or Cash Passport card, and a small amount of foreign cash with you, as VISA Debit may not be accepted at all ATM’s overseas. 
• If your card is not a chip card, please ask our staff to order one for you prior to your trip.

• Fees and Charges 
• Least cost routing
• PIN Change Request Form
• Card Account Access Change
• Card Cancellation
• Card Dispute
• Lost Card and Application for Replacement