ING Orange One Rewards Platinum Credit Card

Name: ING Orange One Rewards Platinum Credit Card
Brand: ING
Rating: 4.0 (1 reviews)

Get up to $30 cashback on your spend each month (up to $360 each year).
16.99% p.a. variable on purchases.
Lock in low interest rates with instalments.
Comes with complimentary travel insurance. Terms, conditions, limits and exclusions apply.

Pros and cons

Interest-free 45 days is lower than most cards offering up to 55 days.
You need an Orange Everyday account or open one to get this credit card.
A lot of requirements to become eligible for ATM fee rebates and foreign transaction fee waivers.

Additional cardholders. You can add an additional cardholder at $10. This allows you to share the account with family members, but the account holder will be responsible for ensuring payments are made on time.
Digital wallets. You can use this card with Apple Pay and Google Pay, but it does not support Samsung Pay.
Gambling transactions. Gambling transactions are not allowed with this card.

Complimentary travel insurance. This card comes with complimentary international travel insurance. To activate the cover, the card must have been used to pay for travel expenses related to your trip before you leave. Eligibility criteria apply.
Concierge services. The ING Orange One Rewards Platinum Credit Card does not offer a concierge service.
Insurances. Cardholders get fraud protection, purchase protection insurance, international travel insurance, and repayment insurance.
Rewards points. This credit card does not have a rewards program.
Sign up bonus. There is no sign up bonus for this card.

Annual fee. This card has an annual fee of $149.
Balance transfers. This card does not offer a balance transfer option.
Cash advances. Cash advances with this card will be charged interest at 16.99% p.a., and interest will begin to accrue immediately from the transaction date. In addition to the interest rate, this card has a one-off fee for cash advances.
Foreign exchange fee. A 3% fee applies to any purchases made in a foreign currency online or overseas. You may avoid international transaction fees if you deposit $1,000 per month into your Orange Everyday, and make 5+ card purchases that are settled.
Interest-free period. The ING Orange One Rewards Platinum Credit Card offers up to 45 days interest-free on purchases (except cash advances) as long as you have paid your previous balance in full or made the minimum required payment.
Purchases. There is no introductory offer on purchases, meaning any purchases not paid in full will incur interest at 16.99% p.a. Purchases on instalments have a 9.99% p.a. interest.