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ING Orange One Rewards Platinum

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  1. Home
  2. Credit Cards
  3. Orange One Rewards Platinum

Orange One Rewards Platinum

Start application

Earn up to

$360

cashback a year on your spend.

  • 1% cashback on eligible spend
  • Complimentary international travel insurance
  • No ING international transaction fees
  • Access to ING Pocket Perks. Cashback offers loaded onto your card.

Cashback on the cards

With the Orange One Rewards Platinum credit card you'll earn up to $30 per month on your spend. That's $360 a year. You'll get cashback in your Orange Everyday account - so no need to tally points, no redemption for gift cards and no bonus categories to keep track of.

Features

Why apply for Orange One Rewards Platinum?

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Get up to $30 cashback every month

Earn 1% cashback on your eligible spend, up to $30 a month. Conditions apply.

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Low Interest rates

Get a low variable rate of 16.99% p.a. on purchases and cash advances, and an even lower variable 9.99% p.a. on instalments.

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No ING international transaction fees

No ING international transaction fees when you shop online and overseas

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Lock in a lower interest rate with instalments

Use instalment plans to pay off your purchases over time at a lower interest rate - making them easier to plan and manage.

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Make payments from your mobile

Leave your wallet at home and pay the easy way with Apple Pay and Google Pay - they're fast, secure and convenient.

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Automatic repayments

Select the repayment amount to be debited straight from your eligible ING account of choice using autopay. It's that easy.

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Travel insurance

Receive complimentary travel international insurance when you are approved for a credit limit of $6,000 or more. Eligibility and conditions apply to cover. Refer to travel insurance terms & conditions.

1

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You can make a travel insurance claim by calling 1800 754 190 (within Australia) or +617 3360 7701 (outside Australia, reverse charges apply) at any time.

Important information

Apply for an Orange One Rewards Platinum

Start application

Rates, fees and limits

Rates, fees and limits

The Orange One Rewards Platinum ins and outs made plain and simple.

Interest rates

  • Purchases
    16.99 % p.a. variable
  • Interest free period
    Up to 45 days interest free
  • Instalments
    9.99 % p.a. variable
  • Cash advances
    16.99 % p.a. variable

Fees

  • Annual fee
    $149
  • Late payment fee
    $30
  • Over limit fee
    $0
  • Additional cardholder
    $10/year per additional card
  • Dishonours
    $0
  • Replacement card (in Australia or overseas)
    Free
  • Emergency replacement card
    Free
  • Voucher request
    $10
  • Cash advance fee
    The greater of $3 or 3% of the cash advance amount.
  • International transaction fee
    $0
  • International ATM withdrawal
    $0 (fees may still be charged by ATM operators)

Limits and repayments

  • Minimum credit limit
    $6,000
  • Maximum credit limit
    $30,000
  • Cash advances
    10% of the credit limit, up to a $500 maximum
  • Purchases using Visa payWave without a PIN
    Under $100 in Australia (other limits may apply outside of Australia)
  • Minimum repayments
    Each statement cycle, your minimum repayment will be the total of:
    1. a)
      The greater of:
      1. i.
        5% of the daily revolving balance as at the end of the statement cycle (excluding any amount by which your account is in arrears); or
      2. ii.
        $100 or, if the daily revolving balance as at the end of the statement cycle (excluding any amount by which your Account is in arrears) is less than $100, that lesser amount; plus
    2. b)
      any instalment plan repayments due for the statement cycle; plus
    3. c)
      any amount by which your account is in arrears (other than any overlimit amount); plus
    4. d)
      any overlimit amount that exceeds the total of:
      1. i.
        any instalment plan repayments due; plus
      2. ii.
        any amount by which your account is in arrears (other than any overlimit amount).

Terms & conditions

All the detail to help you make an informed decision.

Fees and limits schedule

All the latest fees and limits for your credit card.

Cashback terms & conditions

Your cashback reward need-to-knows.

Travel insurance terms & conditions

What to expect and how you're covered.

Rewards Platinum Credit Card Target Market Determination

Key Facts Sheet

Apply for an Orange One Rewards Platinum

Start application

FAQs

Got a question about Orange One Rewards Platinum?

Chances are you'll find the answer in our FAQs.

Here are some of the more common questions we get asked:

Will financial support impact my credit report?

Do I need to provide supporting documents when applying for Financial Support Assistance?

Can someone apply for financial support assistance on my behalf?

I might need financial support, what should I do?

What if my financial support application is declined?

What if my financial support application is approved?

What if my account is already being supported by the financial support team?

What happens after you submit your financial support application?

What are arrears?

What happens if I’m enrolled to Click to Pay but I get a new card?

See all Orange One FAQs.

Apply for an Orange One Rewards Platinum

Start application

How to apply

How to apply

To have an Orange One Rewards Platinum, you'll also need an Orange Everyday. If you don't already have an Orange Everyday, don't worry - you can request to open one up as part of your credit card application.

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1. Make sure you're eligible

Check the criteria below - if you tick all the boxes, you're eligible to apply.

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2. Apply online

You can complete and submit your Orange One Rewards Platinum application in minutes.

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3. Stay tuned

We'll let you know when your application has been approved, and you'll receive your card within 5-7 business days after that.

Things to know before you apply:

To be eligible to apply for Orange One Rewards Platinum, you must:

Be aged 18+ and have a valid proof of ID - driver's licence, passport or Medicare

Earn $36,000 or more a year (before tax)

Be an Australian citizen, New Zealand or Australian permanent resident

Have and maintain an Australian residential address

Have a good credit rating and meet our credit lending guidelines

Hold an active Orange Everyday bank account, or request to open one along with your Orange One

Orange One Rewards Platinum is currently not available to Self Employed applicants.

You should have the following supporting documents handy so we can assess your application faster. Examples of supporting documents can include:

PAYG payslips

Proof of super income

Bank statements

Tax returns

Apply for an Orange One Rewards Platinum

Start application

Important Information

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Open an Orange One Rewards Platinum

You will need to:

Be aged 18+ and be able to provide us with your ID documents

Earn $36,000 or more a year (before tax)

Be an Australian citizen, New Zealand citizen, or a permanent resident of Australia

Maintain an Australian residential address

Hold an active Orange Everyday bank account or request to open one when you apply

Note: Orange One Rewards Platinum is currently not available to self-employed applicants.

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