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ING Orange One Rewards Platinum Credit Card

Purchase rate
16.99% p.a.
Balance transfer rate
No current offer
Annual fees
$149
Interest free days on purchases
45

Mozo editorial review ING Orange One Rewards Platinum Credit Card

Last updated: 10 September 2020.

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What's hot
  • Earn up to $360 cashback a year!
  • Low 16.99% p.a. variable interest rate.
  • Lock in 9.99% p.a. interest rate with a payback instalment plan!
  • Complimentary international travel insurance (conditions apply).
What's not
  • $149 annual fee
  • You need to hold an active orange everyday account
Mozo snapshot

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.

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Key features

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 2.50%. 

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. 

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Who is it good for

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. 

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Any catches

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.

Rewards program details

Rates and fees information correct as at 25 September 2020. 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.
What your points get you

Fly Sydney to London return

-

Fly Sydney to Melbourne one-way

-

$100 Giftcard

-

$100 Cash

10,000 points

Points earning

1 point per dollar on Visa, up to $3,000 per month

Rewards scheme

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.)

Value of rewards points

Spend $10,000 (Visa)

at $3,000 monthly

Never

How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,

  • figure out how many flights or gift cards or cashback credits you could get for those points,

  • work out what that's actually worth to you,

  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.

  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.

  • In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.

  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.

  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.

  • Shopping rewards are based on $100 gift cards from a major national department store.

  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Close

Rate and fee details

Rates
  • 16.99% p.a.

  • none

  • No current offer

  • none

  • 16.99% p.a.

  • 45

Fees
  • $149.00

  • none

  • none

  • none

  • $20.00

  • 3%, Min $3.00

  • 2.50%

  • $0.00

  • $10.00

  • $10.00

Features
  • $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.

Payment options

Apple Pay, Google Pay

Rewards privileges

Travel Insurance

Other benefits

Foreign currency conversion 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.

Customer Reviews

How are ING credit cards rated by the Mozo community?

Overall
8.7/10
Price
8.7/10
Features
8.0/10
Customer service
8.8/10
Convenience
8.0/10
Trust
8.6/10

Latest reviews of ING Orange One Rewards Platinum Credit Card

  • Overall 7/10
    ING review.

    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 review

    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.

    Price
    8/10
    Features
    7/10
    Customer service
    8/10
    Convenience
    6/10
    Trust
    6/10
    Less
    Nikita, New South Wales reviewed 3 days ago
  • Overall 10/10
    Great, would recommend to others

    It was amazing, I had barely any interest to pay back.

    Read full review

    It was amazing, I had barely any interest to pay back.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Amarjot, Queensland reviewed 12 months ago
ING

About ING

ING is part of the ING Group, one of the world's largest financial institutions, but it isn't like other banks. ING pioneered branch-less banking in Australia, getting rid of branches and passing on the savings to customers in the form of better rates and lower fees. From high interest savings accounts and term deposits to low rate home loans, ING aims to keep your banking simple.

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