ING
Earn 1% cashback on eligible spends, no overseas fees, and enjoy a low interest option from 16.99% p.a. Credit limits from $6,000 to $30,000. Annual fee $149.
The ING Orange One Rewards Platinum credit card is engineered for Australians who value simplicity, value, and rewards. With a variable interest rate of 16.99% p.a. for purchases or cash advances, and 9.99% p.a. on instalments, it offers competitive flexibility. The annual fee is $149, while credit limits start at $6,000 and max out at $30,000. The real highlight is 1% cashback on eligible spending, up to $30 each month – that’s a tidy $360 a year in your pocket.
How to Apply: Step-by-Step
- Check eligibility: be 18+, earn $36,000+ pre-tax, and hold or open an Orange Everyday account.
- Gather documents: typically, payslips, bank statements, or tax returns are needed.
- Apply online: complete the application in minutes.
- Approval: if successful, your card arrives within 5-7 business days.
What We Like About It
The card shines for regular spenders: earning 1% cashback is straightforward and the rewards are paid as cash, not points. There are no ING international transaction fees, which makes it a solid pick for online shoppers and travellers alike. Plus, no complex rewards categories to remember.
Complimentary international travel insurance for approved credit limits of $6,000 or more adds extra peace of mind.
What You Should Consider
The annual fee of $149 is not the lowest, so you’ll want to spend enough each month to justify it. Self-employed applicants are not eligible, which is a limitation for some consumers.
Minimum income requirements and a good credit rating are essential, so this card won’t be for everyone.
Our Verdict
ING’s Orange One Rewards Platinum offers excellent value for those who maximise cashback and appreciate simple rewards. With low international fees and practical conditions, it’s an appealing choice for many Australians seeking a hassle-free rewards card.
