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ING Orange One Rewards Platinum

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Save with rebated international transaction fees and score up to $360 cashback every month with the ING Orange One Rewards Platinum credit card.

The ING Orange One Rewards Platinum credit card is designed to benefit cardholders who travel and spend in foreign currencies and also want to take advantage of competitive interest rates.

16.99% p.a.

Purchase rate

$149 p.a.

Annual fee

45 days

Interest free period

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Product NameING Orange One Rewards Platinum
Purchase rate16.99% p.a.
Annual fee$149
Interest-free period45 days
Cash advance rate16.99% p.a.
Min credit limit$6,000
Max credit limit$30,000
Card typeVisa
Foreign currency conversion fee2.5%
Minimum income$36,000
Available to temporary residentsNo
Joint applicationNo


  • Up to $360 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
Annual fee$149
Minimum monthly repayment5% of the closing balance or $100, whichever is greater
Late payment fee$20
Foreign currency conversion fee2.5%
Cash advance fee3% or $3, whichever is greater
Overseas cash advance fee3% or $3, whichever is greater
Overseas ATM withdrawal fee$2.50
Additional cardholder fee$10

Expert review

Sally McMullen

Review by

Sally McMullen is a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The ING Orange One Rewards Platinum card combines the features of a low rate and premium credit card in one product. The interest rates are competitive compared to other platinum products and you can reward your spending with the cashback offer. This cashback feature could also help you offset the annual fee.

The foreign currency conversion and ATM fee rebate are also unique features. You just have to keep in mind that you need to have an Orange Everyday account, or open one upon application to apply for this card and use these perks.

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 accounts. You can only apply if you hold an active Orange Everyday account or request 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 / yearly maintenance fee.

Card benefits

  • Cashback. You'll earn 1% cashback on all eligible spend up to $360 each month. This means you'll maximise your cashback earning when you spend $3,000 per month and your total yearly cashback potential is $360.
  • Foreign currency conversion fee rebate. You can avoid the 2.5% international transaction fee when you spend in a foreign currency online or overseas with this card. You just need to deposit $1,000 into any personal ING account (excluding Orange One and Living Super), like your Orange Everyday account and make at least five eligible transactions in the previous calendar month 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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