Orange One Rewards Platinum Credit Card card image
Mini meca 2023

ING Orange One Rewards Platinum Credit Card

Advertiser disclosure
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: 2 November 2023

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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!
  • 2023 Mozo Experts Choice Award winner
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.

It also won a 2023 Mozo Experts Choice Award for the best Cashback Premium Credit Card.

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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 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. 

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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 May 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.

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.) May be suspended if you exceed your credit limit or the account is in arrears.

Value of rewards points

Spend $10,000 (Visa)

at $3,000 monthly

Never

How do we calculate these points?

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

3.00%

$0.00

$10.00

$10.00

Features

$100.00

5.0

yes

$5 for each International ATM transaction.

Payment options

Apple Pay, Google Wallet

Rewards privileges

Travel Insurance

Other benefits

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.

Customer Reviews

How are ING credit cards rated by the Mozo community?

Overall
8.7/10
Price
8.3/10
Features
7.6/10
Customer service
8.1/10
Convenience
7.1/10
Trust
8.2/10
Based on 19 ING credit card reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

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