# Platinum Credit Card Rewards Enjoy exciting offers on hotels, dining, fitness & more.

## Cashback on the cards

With the Orange One Rewards Platinum credit card you'll earn up to $30 per month on your spend. That's $360 a year. You'll get cashback in your Orange Everyday account - so no need to tally points, no redemption for gift cards and no bonus categories to keep track of.

- Features
- Rates, fees and limits
- FAQs
- How to apply

Features

## Why apply for Orange One Rewards Platinum?

- ### Get up to $30 cashback every month

  Earn 1% cashback on your eligible spend, up to $30 a month. Conditions apply.

- ### Low Interest rates

  Get a low variable rate of % p.a. on purchases and cash advances, and an even lower variable % p.a. on instalments.

- ### No international transaction fees

  Want to avoid ING international transaction fees when you shop online and overseas? All you need to do each month is deposit $1,000 into your Orange Everyday, and make 5+ card purchases that are settled (not pending).

- ### Lock in a lower interest rate with instalments

  Use instalment plans to pay off your purchases over time at a lower interest rate - making them easier to plan and manage.

- ### Make payments from your mobile

  Leave your wallet at home and pay the easy way with Apple Pay and Google Pay - they're fast, secure and convenient.

- ### Automatic repayments

  Select the repayment amount to be debited straight from your eligible ING account of choice using autopay. It's that easy.

- ### Travel insurance

  Receive complimentary travel international insurance when you are approved for a credit limit of $6,000 or more. Eligibility and conditions apply to cover.

You can make a travel insurance claim by calling 68 55 68 168 (within Australia) or +31 68 55 68 168 (outside Australia, reverse charges apply) at any time.

Important information

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Rates, fees and limits

## Rates, fees and limits

The Orange One Rewards Platinum ins and outs made plain and simple.

### Interest rates

- Purchases
  16.99 % p.a. variable
- Interest free period
  Up to 45 days interest free
- Instalments
  9.99 % p.a. variable
- Cash advances
  16.99 % p.a. variable

### Fees

- Annual fee
  $149
- Late payment fee
  $30
- Over limit fee
  $0
- Additional cardholder
  $10/year per additional card
- Dishonours
  $0
- Replacement card (in Australia or overseas)
  Free
- Emergency replacement card
  Free
- Voucher request
  $10
- Cash advance fee
  The greater of $3 or 3% of the cash advance amount.

- International transaction fee (payable to us) :

  for all Transactions in a foreign currency; and for all Transactions in Australian dollars or a foreign currency, where: the merchant or financial institution accepting the card is located outside of Australia; or the entity processing the Transaction is located outside of Australia).
  3% of transaction amount.
- International ATM withdrawal
  $5.00
- Australian ATM Fee Rebate Offer
  100% of ATM fee.
  Offer will apply for the next calendar month when you perform the following during the current calendar month: deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One), and make at least 5 card purchases that are settled (not pending) using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions). The ING cash advance fee is not rebated under this offer
- ING International ATM Fee Rebate Offer
  100% of ING International ATM withdrawal fees when eligibility criteria is met.
  Offer will apply for the next calendar month when you perform the following during the current calendar month: deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One), and make at least 5 card purchases that are settled (not pending) using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions). Neither the ING cash advance fee, nor any fee charged by an international ATM operator will be rebated under this offer.
- International Transaction Fee Rebate Offer
  100% rebate of ING international transaction fees when eligibility criteria is met.
  Offer will apply for the next calendar month when you perform the following during the current calendar month: deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One), and make at least 5 card purchases that are settled (not pending) using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions). Merchants may charge you a separate fee for their services (which is not rebated under this offer).
- Rebate Offers for ING Home Loan Customers
  If you hold an ING Home Loan, you do not need to meet the eligibility requirements set out above in order to access the Australian ATM Fee Rebate Offer, ING International ATM Fee Rebate Offer or the International Transaction Fee Rebate Offer.

### Limits and repayments

- Minimum credit limit
  $6,000
- Maximum credit limit
  $30,000
- Cash advances
  10% of the credit limit, up to a $500 maximum
- Purchases using Visa payWave without a PIN
  Under $100 in Australia (other limits may apply outside of Australia)
- Minimum repayments

  Each statement cycle, your minimum repayment will be the total of:

  1. a)

     The greater of:

     1. i.

        5% of the daily revolving balance as at the end of the statement cycle (excluding any amount by which your account is in arrears); or

     2. ii.

        $100 or, if the daily revolving balance as at the end of the statement cycle (excluding any amount by which your Account is in arrears) is less than $100, that lesser amount; plus

  2. b)

     any instalment plan repayments due for the statement cycle; plus

  3. c)

     any amount by which your account is in arrears (other than any overlimit amount); plus

  4. d)

     any overlimit amount that exceeds the total of:

     1. i.

        any instalment plan repayments due; plus

     2. ii.

        any amount by which your account is in arrears (other than any overlimit amount).

Terms & conditions

All the details to help you make an informed decision.

Low Rate Credit Card
Target Market Determination

Fees and limits schedule

All the latest fees and limits for your credit card.

Key Facts Sheet

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FAQs

## Got a question about Orange One Rewards Platinum?

Chances are you'll find the answer in our FAQs.

Here are some of the more common questions we get asked:

###

See all Orange One FAQs.

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How to apply

## How to apply

To have an Orange One Rewards Platinum, you'll also need an Orange Everyday. If you don't already have an Orange Everyday, don't worry - you can request to open one up as part of your credit card application.

##### 1. Make sure you're eligible

Check the criteria below - if you tick all the boxes, you're eligible to apply.

##### 2. Apply online

You can complete and submit your Orange One Rewards Platinum application in minutes.

##### 3. Stay tuned

We'll let you know when your application has been approved, and you'll receive your card within 5-7 business days after that.

Things to know before you apply:
To be eligible to apply for Orange One Rewards Platinum, you must:

Be aged 18+ and have a valid proof of ID - driver's licence, passport or Medicare

Earn $36,000 or more a year (before tax)

Be an Australian citizen, New Zealand or Australian permanent resident

Have and maintain an Australian residential address

Have a good credit rating and meet our credit lending guidelines

Hold an active Orange Everyday bank account, or request to open one along with your Orange One

Orange One Rewards Platinum is currently not available to Self Employed applicants.
You should have the following supporting documents handy so we can assess your application faster. Examples of supporting documents can include:

PAYG payslips

Proof of super income

Bank statements

Tax returns

Apply for an Orange One Rewards Platinum

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