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ING Orange One Platinum Credit Card
2 reviews

ING Orange One Platinum Credit Card

Purchase rate

16.99% p.a.

Balance transfer

N/A

Annual fee

$149 p.a.

Pros

Low rate on purchases and cash advances

Overseas Travel Insurance

1% cashback earn on your spend, capped at $30 per month

Waive the International ATM fee and Foreign currency conversion fee when you deposit $1,000 into your Orange Everyday each month, and make 5+ card purchases that are settled (not pending).

Cons

No balance transfer option

Only currently available for existing ING customers who are eligible

100% of customers who have rated this card would recommend it
  • Rates
    83%
  • Fees
    75%
  • Rewards
    N/A
  • Customer Service
    100%
  • Value
    87%
Overall user rating 75%
2 reviews
Interest Rates
Purchase rate 16.99% p.a.
Cash advance rate 16.99% p.a.
Interest free on purchases up to 45 days
Balance Transfer
Credit limits
Minimum credit limit $6,000
Maximum credit limit $30,000
Fees & repayments
Annual fee $149 p.a.
Additional cardholder fee $10 p.a.
Cash advance fee 3%
Foreign transaction fee 2.5%
Late payment fee $20
Credit card type Visa
Complimentary insurance
International travel insurance yes - up to months
Flight inconvenience insurance No
Transit accident insurance No
Smartphone screen insurance No
Purchase protection insurance No
Extended warranty insurance No
Rental Vehicle Excess In Australia Insurance No
Extras
Earn 1% cashback on your spend, up to $30 a month.
No foreign transaction fees if you deposit $1,000 a month and make 5+ card purchases each month
Eligible with Apple Pay

ING Orange One Platinum Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au.

The ING Orange One Platinum Card

Platinum cards can be pretty exciting, offering fancy features and platinum perks that make shopping with a credit card that bit more fun. However, after comparing platinum card options, you’ll no doubt notice that they come in all shapes and sizes, with some offering no more than the basics, and others offering so many perks you’ll feel like royalty.

On the simpler end of the scale is the ING Orange One Platinum Card. While it won’t knock your socks off with the features it has to offer, it also won’t knock you down with the annual fee it charges. As a fairly basic platinum offering, this a card with a few nice perks, a relatively low purchase rate, and a very affordable annual fee.

What we love...

Rated Australia’s most recommended bank in a 2017 Nielsen poll, ING claims to have reinvented the way Australians bank, by delivering simple, straightforward and good value products. In essence, this is what it has done with the ING Orange One Platinum Card. This straightforward option may not be the most exciting platinum card on the block, but it still has plenty to offer.

First up, its cashback feature. The ING Orange One Platinum Card allows cardholders to earn 1% cashback on eligible purchases made using the card, up to $30 per month. Basically working to give you money back on your card spend, this feature could save you up to $360 per year.

Next up, insurance. If you are approved for a credit limit of $6,000 or more, you will receive complimentary international travel insurance that covers the cardholder, their spouse and their dependants when travelling overseas. The card must be used to pay for the overseas travel fare and accommodation, charging at least $500 of the total cost of each person’s fare. Other conditions apply, so be sure to read the PDS in full.

Last up, money-saving. Unlike plenty of other platinum cards, the ING Orange One Platinum Card offers a relatively low interest rate on purchases. And, as an added bonus, cardholders can manage large purchases with a monthly installment feature, choosing their pre-set terms on a much lower rate of interest.

It’s also worthwhile looking into ING’s International ATM fee rebate, as well as its foreign currency conversion fee waiver if you want to save some money. You can find out more about this in the card’s small print.

What’s not so great...

If you are looking for wall-to-wall features, this is not the card for you. There are plenty of other platinum cards that offer more in the way of features that may be better suited to your needs, but you should be willing to pay for them. However, if you understand that this is a basic platinum card with a relatively low purchase rate and annual fee, you should have very little to complain about.

Why should you choose this card?

While this card is certainly not bursting with extras, that doesn’t mean there aren’t a few features on the ING Orange One Platinum Card that you may find useful. Mobile payments using Apple Pay (Android Pay coming soon) can make purchases more streamlined, while automatic repayments make paying off your card at the end of the month that much easier.

Notifications make it easier to keep track of your spending, ensuring you don’t go over your budget, while up to 45 days interest free on purchases can help you save on interest when you clear your balance at the end of each statement period.

Overall Rating

A simple platinum card offering cashback and travel insurance, a relatively low purchase rate and annual fee, and the ability to manage big purchases on a low interest monthly installment plan.

4 questions (showing the latest 10 Q&As)

Kelsey

Kelsey

10 September 2019
I'm looking for a good Credit-card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 September 2019
    Hi Kelsey, a good credit card will depend on what you are trying to get out of it. Additionally your spending habits will play a major role. What are you trying to get out of your card?
Matt

Matt

27 June 2019
I couldn't see where you mention the "Google Pay" "Apple Pay" status of the cards. The Orange One Platinum presently is not support on Google Pay - WITH NO TIMEFRAME GIVEN TO IMPLEMENT. This has a major impact on those looking to switch from an existing "Google Pay" compliant card. Do you know when this card will be "Accepted"?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 June 2019
    Hi Matt, I do not personally know of any timeframes for these features coming on-board. ING are not a participating bank as yet. Therefore it could be sometime before Apple or Google pay comes to ING cards.
Gavin

Gavin

2 December 2018
We are with ing banking (everyday card+home loan), we have a Westpac credit card, which we pay out in full each month. We would like to change to an ing credit card (keep accounting simple), however, will the $30 cash back continue for the foreseeable future, also we are travelling oversea more do both cards have the insurance and no foreign transaction fees?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 December 2018
    Hi Gavin, I have not heard anything from ING that they will discontinue the cash back. Though as you see this is limited to $30 a month so it is not huge. It is possible if you are eligible to get no foreign transaction fees. You just need to make sure you meet the requirements. With your current home loan as well with ING this might automatically make you eligible. There is overseas travel insurance with the ING Orange One Platinum credit card.
Glenda

Glenda

14 March 2018
I currently have a Coles MasterCard with no annual fees. What benefit would I get by changing to the Orange One Credit Card.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 March 2018
    Hi Glenda, this ING Orange One Platinum has a $149 annual fee. The benefit of this card is up to $30 cash back a month. Therefore if you pay it off in full each month and receive the maximum cash back. You can be ahead $211 at the end of the year. This card also comes with overseas travel insurance which is useful when travelling plus. You can get no foreign transaction fees if you qualify. Overall you need to look at how much you spend and your repayment habits to decide what card is right for you.

ING Orange One Platinum Credit Card

The ING Orange One Platinum Credit Card is available to existing eligible ING customers who apply. It has a $149 annual fee and you earn 1% cashback on your spend up to $30 per month. The card comes with a low 16.99% p.a. on purchases and cash advances. Receive complimentary international travel insurance for up to 40 consecutive days per trip. Conditions apply.

Key features

  • $149 annual fee
  • 16.99% p.a. on purchases and cash advances, and an even lower variable 9.99% p.a. on instalments
  • Use instalments to pay off large purchases over set terms of your choice
  • Up to 45 days interest free on purchases
  • Additional card holders for $10/year
  • Earn 1% cashback on your spend, up to $30 a month. Conditions apply.
  • Complimentary international travel insurance
  • Waive the International ATM fee and Foreign currency conversion fee when you deposit $1,000 into your Orange Everyday each month, and make 5+ card purchases that are settled (not pending).
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Resident or citizen of Australia
  • Minimum income of $36,000 p.a.
  • You have your personal details ready to complete the online application
ING Orange One Platinum Credit Card
ING Orange One Platinum Credit Card

ING Orange One Platinum Credit Card

Updated 27 August 2019

Purchase Rate (p.a)

16.99%

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$149

$0

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • Low rate on purchases and cash advances
  • Overseas Travel Insurance
  • 1% cashback earn on your spend, capped at $30 per month
  • Waive the International ATM fee and Foreign currency conversion fee when you deposit $1,000 into your Orange Everyday each month, and make 5+ card purchases that are settled (not pending).

  • No balance transfer option
  • Only currently available for existing ING customers who are eligible

Creditcard.com.au review

Editor Review

ING Orange One Platinum Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The ING Orange One Platinum Card

Platinum cards can be pretty exciting, offering fancy features and platinum perks that make shopping with a credit card that bit more fun. However, after comparing platinum card options, you’ll no doubt notice that they come in all shapes and sizes, with some offering no more than the basics, and others offering so many perks you’ll feel like royalty.

On the simpler end of the scale is the ING Orange One Platinum Card. While it won’t knock your socks off with the features it has to offer, it also won’t knock you down with the annual fee it charges. As a fairly basic platinum offering, this a card with a few nice perks, a relatively low purchase rate, and a very affordable annual fee.

What we love...

Rated Australia’s most recommended bank in a 2017 Nielsen poll, ING claims to have reinvented the way Australians bank, by delivering simple, straightforward and good value products. In essence, this is what it has done with the ING Orange One Platinum Card. This straightforward option may not be the most exciting platinum card on the block, but it still has plenty to offer.

First up, its cashback feature. The ING Orange One Platinum Card allows cardholders to earn 1% cashback on eligible purchases made using the card, up to $30 per month. Basically working to give you money back on your card spend, this feature could save you up to $360 per year.

Next up, insurance. If you are approved for a credit limit of $6,000 or more, you will receive complimentary international travel insurance that covers the cardholder, their spouse and their dependants when travelling overseas. The card must be used to pay for the overseas travel fare and accommodation, charging at least $500 of the total cost of each person’s fare. Other conditions apply, so be sure to read the PDS in full.

Last up, money-saving. Unlike plenty of other platinum cards, the ING Orange One Platinum Card offers a relatively low interest rate on purchases. And, as an added bonus, cardholders can manage large purchases with a monthly installment feature, choosing their pre-set terms on a much lower rate of interest.

It’s also worthwhile looking into ING’s International ATM fee rebate, as well as its foreign currency conversion fee waiver if you want to save some money. You can find out more about this in the card’s small print.

What’s not so great...

If you are looking for wall-to-wall features, this is not the card for you. There are plenty of other platinum cards that offer more in the way of features that may be better suited to your needs, but you should be willing to pay for them. However, if you understand that this is a basic platinum card with a relatively low purchase rate and annual fee, you should have very little to complain about.

Why should you choose this card?

While this card is certainly not bursting with extras, that doesn’t mean there aren’t a few features on the ING Orange One Platinum Card that you may find useful. Mobile payments using Apple Pay (Android Pay coming soon) can make purchases more streamlined, while automatic repayments make paying off your card at the end of the month that much easier.

Notifications make it easier to keep track of your spending, ensuring you don’t go over your budget, while up to 45 days interest free on purchases can help you save on interest when you clear your balance at the end of each statement period.

Overall Rating

A simple platinum card offering cashback and travel insurance, a relatively low purchase rate and annual fee, and the ability to manage big purchases on a low interest monthly installment plan.

User reviews

ING Orange One Platinum Credit Card ( based on 2 Creditcard.com.au user reviews )

75% rating based on 2 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates

Purchase rate 16.99% p.a.

Cash advance rate 16.99% p.a.

Interest free on purchases up to 45 days

Credit limits

Minimum credit limt $6,000

Maximum credit limit $30,000

Fees & repayments

Annual fee $149 p.a.

Additional card holder fee $10 p.a.

Foreign transaction fee 2.5%

Minimum repayment

Cash advance fee 3%

Late payment fee $20

Additional features

Complimentary insurance

International Travel Insurance Yes

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Extras

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

No foreign transaction fees if you deposit $1,000 a month and make 5+ card purchases each month

Eligible with Apple Pay

Overview

ING Orange One Platinum Credit Card

The ING Orange One Platinum Credit Card is available to existing eligible ING customers who apply. It has a $149 annual fee and you earn 1% cashback on your spend up to $30 per month. The card comes with a low 16.99% p.a. on purchases and cash advances. Receive complimentary international travel insurance for up to 40 consecutive days per trip. Conditions apply.

Key features

  • $149 annual fee
  • 16.99% p.a. on purchases and cash advances, and an even lower variable 9.99% p.a. on instalments
  • Use instalments to pay off large purchases over set terms of your choice
  • Up to 45 days interest free on purchases
  • Additional card holders for $10/year
  • Earn 1% cashback on your spend, up to $30 a month. Conditions apply.
  • Complimentary international travel insurance
  • Waive the International ATM fee and Foreign currency conversion fee when you deposit $1,000 into your Orange Everyday each month, and make 5+ card purchases that are settled (not pending).

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Resident or citizen of Australia

  • Minimum income of $36,000 p.a.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

4 questions (showing the latest 10 Q&As)

Kelsey

Kelsey

10 September 2019
I'm looking for a good Credit-card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 September 2019
    Hi Kelsey, a good credit card will depend on what you are trying to get out of it. Additionally your spending habits will play a major role. What are you trying to get out of your card?
Matt

Matt

27 June 2019
I couldn't see where you mention the "Google Pay" "Apple Pay" status of the cards. The Orange One Platinum presently is not support on Google Pay - WITH NO TIMEFRAME GIVEN TO IMPLEMENT. This has a major impact on those looking to switch from an existing "Google Pay" compliant card. Do you know when this card will be "Accepted"?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 June 2019
    Hi Matt, I do not personally know of any timeframes for these features coming on-board. ING are not a participating bank as yet. Therefore it could be sometime before Apple or Google pay comes to ING cards.
Gavin

Gavin

2 December 2018
We are with ing banking (everyday card+home loan), we have a Westpac credit card, which we pay out in full each month. We would like to change to an ing credit card (keep accounting simple), however, will the $30 cash back continue for the foreseeable future, also we are travelling oversea more do both cards have the insurance and no foreign transaction fees?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 December 2018
    Hi Gavin, I have not heard anything from ING that they will discontinue the cash back. Though as you see this is limited to $30 a month so it is not huge. It is possible if you are eligible to get no foreign transaction fees. You just need to make sure you meet the requirements. With your current home loan as well with ING this might automatically make you eligible. There is overseas travel insurance with the ING Orange One Platinum credit card.
Glenda

Glenda

14 March 2018
I currently have a Coles MasterCard with no annual fees. What benefit would I get by changing to the Orange One Credit Card.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 March 2018
    Hi Glenda, this ING Orange One Platinum has a $149 annual fee. The benefit of this card is up to $30 cash back a month. Therefore if you pay it off in full each month and receive the maximum cash back. You can be ahead $211 at the end of the year. This card also comes with overseas travel insurance which is useful when travelling plus. You can get no foreign transaction fees if you qualify. Overall you need to look at how much you spend and your repayment habits to decide what card is right for you.

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