Unlike other rewards cards where you earn points per dollar spent, with the ING Orange One Rewards Platinum Card, you earn 1% cashback on eligible purchases, up to $30 a month. It has one of the lower interest rates for rewards credit cards at 16.99%, and other perks like no international transaction fees and complimentary travel insurance.
It also won a 2023 Mozo Experts Choice Award for the best Cashback Premium Credit Card.
With the ING Orange One Rewards Platinum credit card, the standard purchase rate is 16.99% with an interest free period of up to 45 days. You’ll also get the option of setting up instalment plans to help pay off your purchases over time at a lower 9.99% interest rate. The maximum number of instalment plans you can have at any one time is 10, and the term of repayments can be between 3 months to 7 years depending on the value of the instalment plan.
You will be able to avoid paying international purchase fees if you use the card overseas (online or in person) as long as you deposit at least $1000 a month into your Orange Everyday account and make more than five purchases. If you don’t meet this criteria the international purchase fee is 3.00%.
One of the other perks of this credit card is the complimentary travel insurance which is available to all cardholders with an approved credit limit of $6000 or more. To activate the insurance you’ll need to make a purchase using your Orange One Rewards Platinum Card of $500 or more on airfares or accommodation prior to travelling.
Fintech lovers will also be glad to hear that you can use Apple Pay and Google Pay to make purchases with the card.
You will need to have an active Orange Everyday account to be eligible for the Orange One Rewards Platinum card, be over 18 years and at least earn $55,000 and have PAYG payslips.
This card does come with an annual fee of $149 so make sure that you are taking advantage of the cashback offer each month and using the added extras like free travel insurance and no international purchase fees.
There are also a few stipulations when it comes to receiving cashback, for example cash transactions, ATM withdrawals and BPAY transactions are not eligible to receive the cashback reward.
Rates and fees information correct as at 29 March 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
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10,000 points
1 point per dollar on Visa, up to $3,000 per month
Earn 1% cashback on your spend up to $30 a month. (This may be referred to as 1 point per dollar, up to $3,000/month on Mozo.) May be suspended if you exceed your credit limit or the account is in arrears.
Spend $10,000 (Visa)
at $3,000 monthly
Never
16.99% p.a. |
|
none |
|
No current offer |
|
none |
|
16.99% p.a. |
|
45 |
$149.00 |
|
none |
|
none |
|
none |
|
$20.00 |
|
3%, Min $3.00 |
|
3.00% |
|
$0.00 |
|
$10.00 |
|
$10.00 |
$100.00 |
|
5.0 |
|
yes |
|
To be eligible you must have deposited more than $1,000 per month into any personal ING account for the last 3 months. $5 for each International ATM transaction. |
Apple Pay, Google Wallet
Travel Insurance
Foreign currency conversion fee and $5 International ATM Fee waived when you deposit at least $1,000 from an external bank account and make at least 5 card purchases using your ING credit or debit card each month.
ING is great a for travelling internationally, atm fees are reimbursed and the exchange rate they offer is great. The only negative I have with them is that there aren't many physical branches in Australia, though their online service make up for it.
Read full reviewING is great a for travelling internationally, atm fees are reimbursed and the exchange rate they offer is great. The only negative I have with them is that there aren't many physical branches in Australia, though their online service make up for it.
ING has excellent customer service, especially on the phone. They are always helpful in resolving issues promptly. Great competitive rates and products. Would highly recommended them.
Read full reviewING has excellent customer service, especially on the phone. They are always helpful in resolving issues promptly. Great competitive rates and products. Would highly recommended them.
It was amazing, I had barely any interest to pay back.
Read full reviewIt was amazing, I had barely any interest to pay back.
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Platinum Edge Credit Card
23.99% p.a.
No current offer
$195 $0 in the first year
Membership Rewards
Platinum Visa Credit Card
19.99% p.a.
No current offer
$299
Qantas Frequent Flyer
Qantas Ultimate Card
23.99% p.a.
No current offer
$450
Qantas Frequent Flyer
Explorer Credit Card
23.99% p.a.
No current offer
$395
Membership Rewards
Velocity Platinum Card
23.99% p.a.
No current offer
$375
Velocity Frequent Flyer
Qantas Discovery Card
23.99% p.a.
No current offer
$0
Qantas Frequent Flyer
Qantas Ultimate Card
Qantas Frequent Flyer
$450
100,000
1.25 points up to 100,000 points/year, then
1 point uncapped
Platinum Visa Credit Card
Qantas Frequent Flyer
$299
50,000
1 point up to 20,000 points/month
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250 $150 in the first year
70,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Qantas Premium Card
Qantas Frequent Flyer
$249
20,000
1 point uncapped
Rewards Signature Card
NAB Rewards
$295 $145 in the first year
160,000
1.25 points uncapped
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
120,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
Low Rate Card
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
13.49% p.a.
$59 $0 in the first year
Premier Credit Card
0% p.a. for 6 months and then 22.24% p.a.
21.49% p.a.
$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year
Citi Rewards Program
Blue Visa Credit Card
0% p.a. for 9 months and then 21.74% p.a.
0% p.a. for 9 months then 20.74% p.a.
$60
Q Rewards
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 24 months and then 20.99% p.a.
20.74% p.a.
$149 $0 in the first year
Velocity Frequent Flyer
More Mastercard
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
19.99% p.a.
$100
Bankwest More Rewards
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
Blue Visa Credit Card
0% p.a. for 9 months then 20.74% p.a.
0% p.a. for 9 months and then 21.74% p.a.
$60
Flex Card
0% p.a.
No current offer
$120 $10 monthly fee waived if the outstanding balance on the previous statement is paid in full by the due date.
StraightUp Card
n/a
No current offer
$240 $20/month - waived if no spend & no balance owing