Cashback value
$211 after fees
1% cashback at $3,000/month spend
Available
I'd like to use my bonus for:
Compare all cashback cards with an interactive spend slider.
Can I get this?
This is a public offer.
Can I get this bonus if I have held a card before?
The bonus holding rule for this offer is unverified. Check the offer terms before applying.
See exclusion periods for every Australian issuer →Can I get the card?
$6,000 minimum credit limit — a lending commitment, not a reward fact.
$36,000 minimum annual income recorded.
Lending approval is separate from bonus eligibility: approval gets you the card, the conditions above get you the bonus.
How long is this available?
No recorded end date — this does not mean it never ends. Availability is rechecked against the issuer page.
What else makes the card useful?
Reward use
Ways to turn points into value.
- Cashback Compare across cards →1% cashback on eligible purchases
Check the category, cap, and payout timing.
More detailsLess details
1% cashback on eligible purchases, capped at $30/month
No source recorded for this benefit. - Cashback Compare across cards →1% cashback
Check the category, cap, and payout timing.
More detailsLess details
1% cashback on eligible purchases, up to $30 per month per account, paid monthly to the linked Autopay account; excludes cash advances and BPAY
Travel
Travel cover and perks. Most need qualifying bookings or payment with the card.
- Travel Insurance Compare across cards →Complimentary international travel insurance
Check the cover period, the activation condition, and who counts as an insured person.
More detailsLess details
Complimentary international travel insurance
No source recorded for this benefit. - Travel Insurance Compare across cards →Up to $20,000,000 cover · trips up to 40 days
Check the cover period, the activation condition, and who counts as an insured person.
More detailsLess details
Complimentary international travel insurance (Allianz Global Assistance) with up to $20 million overseas emergency medical cover; up to 40 consecutive days per journey; requires approved credit limit of $6,000 or more
- Rental Vehicle Insurance Compare across cards →Rental vehicle excess cover up to the amount in the rental agreement or $2,250, whichever is less (part of complimentary travel insurance)
Check overseas rental excess separately from Australian cover, plus limits and activation for each.
More detailsLess details
Rental vehicle excess cover up to the amount in the rental agreement or $2,250, whichever is less (part of complimentary travel insurance)
Everyday savings
Discounts and cashback on spending. Activation and caps vary.
- Shopping Benefits Compare across cards →ING Pocket Perks: merchant cashback offers loaded onto the card via the ING app; cards are automatically enrolled
Check activation and purchase conditions. Amounts here don't add to the bonus calculation.
More detailsLess details
ING Pocket Perks: merchant cashback offers loaded onto the card via the ING app; cards are automatically enrolled
No source recorded for this benefit.
Account management
Tools for running the account — repayment helpers, not reward value.
- No International Transaction Fee Compare across cards →No ING international transaction fees
More detailsLess details
No ING international transaction fees
No source recorded for this benefit. - Installment Plans Compare across cards →Flexible instalment plans to pay off purchases at a lower interest rate
Check applicable charges and eligibility — a repayment plan, not reward value.
More detailsLess details
Flexible instalment plans to pay off purchases at a lower interest rate
No source recorded for this benefit. - No International Transaction Fee Compare across cards →No ING international transaction fees on online and overseas purchases; $0 international ATM withdrawal fee (ATM operator fees may apply)
More detailsLess details
No ING international transaction fees on online and overseas purchases; $0 international ATM withdrawal fee (ATM operator fees may apply)
No source recorded for this benefit. - Digital Wallet Integration Compare across cards →Supports Apple Pay and Google Pay
More detailsLess details
Supports Apple Pay and Google Pay
No source recorded for this benefit. - Installment Plans Compare across cards →Instalment plans to pay off purchases over time at a lower 9.99% p.a. variable rate
Check applicable charges and eligibility — a repayment plan, not reward value.
More detailsLess details
Instalment plans to pay off purchases over time at a lower 9.99% p.a. variable rate
No source recorded for this benefit. - Interest Free Periods Compare across cards →Up to 45 days interest free on purchases
Interest-free terms change often — confirm the current days with the issuer before applying. This recorded term may be out of date.
More detailsLess details
Up to 45 days interest free on purchases
Should I keep it after the first year?
Renewal costs $149 each year ($149 annual fee) — first year was $149.
No second-year bonus recorded — renewal buys ongoing earn and the card's benefits only.
Keeping pays off only if the ongoing earn and benefits are worth $149/yr to you.
Year-two points aren't dollar-valued here: the redemption catalogue may change before renewal, so recheck the rate then.
Terms and evidence
Full current terms
Offer terms
Fees
First Year Annual Fee
$149
Ongoing Annual Fee
$149
From year 2 onwards
Purchase Interest Rate
16.99% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefit history (19 changes)
- No International Transaction FeeUpdated Oct 2026
- CashbackUpdated Oct 2026
- Interest Free PeriodsUpdated Oct 2026
- Rental Vehicle InsuranceUpdated Oct 2026
- Travel InsuranceUpdated Oct 2026
- Shopping BenefitsUpdated Oct 2026
- Digital Wallet IntegrationUpdated Oct 2026
- Installment PlansUpdated Oct 2026
- CashbackUpdated Aug 2026
- Rental Vehicle InsuranceUpdated Aug 2026
- Travel InsuranceUpdated Aug 2026
Now Up to $20,000,000 cover · trips up to 40 days.
- No International Transaction FeeUpdated Aug 2026
- Interest Free PeriodsUpdated Aug 2026
- Rental Vehicle InsuranceUpdated Jul 2026
- Travel InsuranceUpdated Jul 2026
- Installment PlansUpdated Aug 2026
- Digital Wallet IntegrationUpdated Aug 2026
- CashbackUpdated Jul 2026
- No International Transaction FeeUpdated Jul 2026
Offer terms history
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 27 Jul 2026
Changes from terms version 2
Changes from terms version 1
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Discussion
About the current terms (published 27 Jul 2026).
Community and personal tools
Track this card, or suggest a correction. Sign-in required.