Our verdict

Offers up to $30 cashback every month and $0 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.

This card's $149 annual fee and 16.99% p.a. purchase rate are competitive with other platinum cards. The $0 foreign currency conversion fees and Australian ATM fees are also unique features. But keep in mind that you need to have an Orange Everyday account, or open one when you apply for this card.

Pros

Up to $30 cashback per month
$0 foreign transaction fees and ATM fees
Offers instalment plans with a 9.99% p.a. interest rate

Cons

Offers 45 days interest-free on purchases, compared to other cards that offer up to 55 days
Must hold an Orange Everyday bank account or request to open one to receive this card

Details

Product details

Product Name	ING Orange One Rewards Platinum
Purchase rate p.a.	Purchase rate p.a.16.99%
Interest-free days	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

Eligibility

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

Rewards

Rewards program
Bonus points	N/A

Fees

Annual fee	$149
Minimum monthly repayment	5% of the closing balance or $100, whichever is greater
Late payment fee	$30
Foreign currency conversion fee	0%
Cash advance fee	3% of transaction value or $3, whichever is greater
Overseas cash advance fee	3% of transaction value or $3, whichever is greater
Overseas ATM withdrawal fee	$0
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 bank account does not cost anything to open and does not charge a monthly or yearly account fee.

Residential status. You must be an Australian citizen, permanent resident or New Zealand citizen with an Australian residential address.
Credit history. You should have a good credit score and meet ING’s credit lending guidelines.
Age. You must be at least 18 years of age.

Required documents

Personal information. This includes your full name, date of birth, contact details and residential address.
Proof of identity. You need to provide proof of identity such as your drivers licence, passport or birth certificate.
Income details. You must confirm your income by including supporting documentation, which could include PAYG payslips, proof of income from superannuation, bank statements or tax statements.

Card benefits

Cashback. This card earns 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.
No foreign transaction fees. The ING Orange One Rewards Platinum offers $0 foreign transaction fees on overseas and online purchases made in a foreign currency.

No ATM withdrawal fees. You won't be charged any fees when withdrawing cash from ATMs in Australia or overseas with this credit card.
Complimentary travel insurance. If you're approved for a credit limit of $6,000 or more, you'll get access to complimentary international travel insurance through your ING Orange One Rewards Platinum Card. This insurance issued by Allianz Global Assistance and covers the primary cardholder, their spouse and any dependents travelling with them for up to 40 consecutive days of travel. As with any travel insurance, make sure you read the policy document for full details of eligibility, cover and claims.
Instalment plans. If you have a big ticket purchase coming up and you want to reduce your costs, you can use an instalment plan to pay it off at a lower interest rate of 9.99% p.a. over a set period of time.
Mobile payments. You can add this card to Apple Pay or Google Pay to make payments straight from your mobile devices.

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.

Interest-free days. If you pay your balance in full by the end of the statement period, you can get up to 45 interest-free days on purchases.
Cash advance fee. As well as the 16.99% p.a. cash advance interest rate, you'll also be charged a fee of 3% of the transaction amount or $3 (whichever is greater) if you use the card for cash advance transactions.
Additional cardholder. If you request a supplementary cardholder, you'll be charged $10 per year per additional card.

Sources

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. ING Orange One Rewards Platinum Key Facts Sheet PDF
2. ING Orange One Rewards Platinum TMD

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Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full profile

ING Orange One Rewards Platinum

Pros

Cons

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

Sources

Sources

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