Exclusive Offer

ING Orange One Platinum – Exclusive Offer

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Save with a $0 first year annual fee, 0% foreign transaction fees and up to $30 cashback per month with this exclusive offer.

When you apply through Finder by 30 November 2019 and enter the promo code FINDER on the application form, you’ll save with a $0 first year annual fee. Cardholders can also take advantage of cashback offers, locked-in instalment plan rates, complimentary insurance covers and up to 45 interest-free days on purchases.

16.99% p.a.

Purchase rate

$0 p.a.

Annual fee

for the first year ($149 p.a. thereafter)

45 days

Interest free period

Details

Product NameING Orange One Platinum - Exclusive Offer
Purchase rate (p.a.)16.99% p.a.
Annual fee$0 p.a. annual fee for the first year ($149 p.a. thereafter)
Interest Free Period45 days
Cash Advance Rate16.99% p.a.
Minimum Credit Limit$6,000
Maximum Credit Limit$30,000
Card TypeVisa
Foreign Currency Conversion Fee (Visa/Mastercard)2.5% of transaction value
Minimum Income$55,000
Minimum Age18 years of age

Pros

  • $0 first year annual fee
  • $30 cashback per month
  • Foreign currency conversion fee rebate
  • Low variable interest rate of 16.99% p.a. on purchases and cash advances

Cons

  • Offers up to 45 days interest-free, compared to other platinum cards with 55 days
  • Several criteria to consider in order to receive the ATM fee rebate and foreign transaction fee waivers
  • Must hold an Orange Everyday account or request to open one to receive this card
Annual fee$0 p.a. annual fee for the first year ($149 p.a. thereafter)
Minimum Monthly Repayment5% of the closing balance or $100, whichever is greater
Foreign Currency Conversion Fee (Visa/Mastercard)2.5% of transaction value
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 Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.

Expert review

The ING Orange One 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. The exclusive first year annual fee waiver also saves you $149.

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 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

  • Apply through Finder and enter the code. Since this is an exclusive offer, in order to take advantage of the first year annual fee waiver you need to apply through Finder. You'll also need to enter the promo code FINDER on the application form to get the $0 first year annual fee.
  • Existing accounts. You can only apply if you hold an active Orange Everyday account or request to open one along with your Orange One Platinum credit card. The Orange Everyday account does not cost anything to open and does not charge a monthly / yearly maintenance fee.

Card benefits

  • First year annual fee waiver. When you apply through Finder by 30 November 2019 and enter the promo code FINDER on the application form, the first year annual fee will be $0, reverting to $149 per year after that.
  • Cashback. You'll earn 1% cashback on all eligible spend up to $30 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.

Rates & fees

  • Annual fee. Outside of any promotions, 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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