In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
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ING Orange One Rewards Platinum
Terms and conditions apply
Purchase rate
16.99% p.a.
Annual fee
$149 p.a.
Interest-free on purchases
Up to 45 days

Our verdict

Offers up to $30 cashback every month and a rebate on international transaction fees, but you'll need an ING Orange Everyday account to get this card.

The ING Orange One Rewards Platinum is one of the few credit cards on the market to offer an ongoing rate of cashback, giving you 1% back on eligible spending. While this is one of the highest ongoing cashback rates on the market, it's worth noting it's capped at $30 back per month.


  • Up to $30 cashback per month
  • Relatively low variable interest rate of 16.99% p.a. on purchases and cash advances
  • Offers instalment plans with a 9.99% p.a. interest rate


  • Offers 45 days interest-free on purchases, compared to other cards that offer up to 55 days
  • Must hold an Orange Everyday account or request to open one to receive this card
  • Several criteria to receive the ATM fee rebate and foreign transaction fee waivers

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews

The ING Orange One Rewards Platinum Credit Card gives you a way to earn up to $360 cashback per year on your everyday, eligible spending. That's enough to justify the annual fee, although the maximum you can earn each month is capped at $30 per month. It also gives you access to complimentary international travel insurance and instalment plans with lower interest rate offers.


Product details

Product Name ING Orange One Rewards Platinum
Purchase rate p.a. 16.99%
Interest-free period Up to 45 days on purchases
Cash advance rate p.a. 16.99%
Min credit limit $6,000
Max credit limit $30,000
Card type Visa


Available to temporary residents No
Minimum income $36,000
Joint application No


Bonus points N/A


Annual fee $149
Minimum monthly repayment 5% of the closing balance or $100, whichever is greater
Late payment fee $20
Foreign currency conversion fee 3%
Cash advance fee 3% or $3, whichever is greater
Overseas cash advance fee 3% or $3, whichever is greater
Overseas ATM withdrawal fee $5
Additional cardholder fee $10

How to apply

You can apply for the ING Orange One Rewards Platinum credit card online in minutes. Before you get started, check if you meet the eligibility criteria and have the necessary information to complete the application:

Eligibility criteria

  • Income. You must have a minimum income of at least $36,000 to apply.
  • Existing ING account. You can only apply if you hold an active Orange Everyday account or apply to open one along with your Orange One Rewards Platinum Credit Card. The Orange Everyday account does not cost anything to open and does not charge a monthly or yearly account fee.

Card benefits

  • Cashback. This card offers earn 1% cashback on all eligible spend up to $30 each month. This means you can get cashback for $3,000 of spending each month, and your total yearly cashback potential is $360. Eligible spending includes card purchases made in-store or online but transactions that won't earn cashback include BPAY payments, refunds and cash advance transactions.
  • Foreign currency conversion fee rebate. You can avoid the 3% international transaction fee on this card by depositing $1,000 into your Orange Everyday account or another personal ING account (excluding Orange One and Living Super). You also need to make at least 5 settled card purchases from your ING credit or debit card to receive a 100% international transaction fee rebate.

Rates & fees

  • Annual fee. This card charges a $149 annual fee.
  • Interest rates. When you use this card for purchases or cash advances, you’ll be charged interest at the 16.99% p.a. variable interest rate.

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