For an Orlicz function \(\varphi \) with critical lower type \(i(\varphi )\in (0, 1)\) and upper type \(I(\varphi )\in (0,1)\) , set \(m(\varphi )=\lfloor n(1/i(\varphi )-1)\rfloor \) . In this paper, the authors establish bilinear decomposition for the product of the Orlicz–Hardy space \(H^{\varphi }({\mathbb {R}}^{n})\) and its dual space—the Orlicz–Campanato space \({\mathfrak {L}}_{\varphi }({\mathbb {R}}^{n})\) . In particular, the authors prove that the product (in the sense of distributions) of \(f\in H^{\varphi }({\mathbb {R}}^{n})\) and \(g\in {\mathfrak {L}}_{\varphi }({\mathbb {R}}^{n})\) can be decomposed into the sum of S(f, g) and T(f, g), where S is a bilinear operator bounded from \(H^{\varphi }({\mathbb {R}}^{n})\times {\mathfrak {L}}_{\varphi }({\mathbb {R}}^{n})\) to \(L^{1}({\mathbb {R}}^{n})\) and T is another bilinear operator bounded from \(H^{\varphi }({\mathbb {R}}^{n})\times {\mathfrak {L}}_{\varphi }({\mathbb {R}}^{n})\) to the Musielak–Orlicz–Hardy space \(H^{\Phi }({\mathbb {R}}^{n})\) , with \(\Phi \) being a Musielak–Orlicz function determined by \(\varphi \) . The bilinear decomposition is sharp in the following sense: any vector space \({\mathcal {Y}}\subset H^{\Phi }({\mathbb {R}}^{n})\) that adapted to the above bilinear decomposition should satisfy \( L^\infty ({\mathbb {R}}^{n})\cap {\mathcal {Y}}^{*}=L^\infty ({\mathbb {R}}^{n})\cap (H^{\Phi }({\mathbb {R}}^{n}))^{*} \) . Indeed, \(L^\infty ({\mathbb {R}}^{n})\cap (H^{\Phi }({\mathbb {R}}^{n}))^{*}\) is just the multiplier space of \({\mathfrak {L}}_{\varphi }({\mathbb {R}}^{n})\) . As applications, the authors obtain not only a priori estimate of the div-curl product involving the space \(H^{\Phi }({\mathbb {R}}^{n})\) , but also the boundedness of the Calderón–Zygmund commutator [b, T] from the Hardy type space \(H^{\varphi }_{b}({\mathbb {R}}^{n})\) to \(L^{1}({\mathbb {R}}^{n})\) or \(H^{1}({\mathbb {R}}^{n})\) under \(b\in {\mathfrak {L}}_{\varphi }({\mathbb {R}}^{n})\) , \(m(\varphi )=0\) and suitable cancellation conditions of T.