ING Orange One Rewards Platinum
Best for: ING customers who want cashback, a low rate and no international fees
Pros
- Cashback instead of points — simple and transparent
- Low ongoing rate
- Fee-free overseas spending for eligible ING customers
Cons
- A$30 monthly cashback cap (A$360 a year) limits the upside
- Annual fee eats part of the cashback
- Best features require an ING everyday account and monthly deposits
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
Orange One Rewards Platinum is a rare Australian card that pays cashback rather than points — 1% on eligible purchases up to a monthly cap — and pairs it with a low purchase rate and no international transaction fees when you meet ING's monthly Orange Everyday criteria. It only makes sense if you already bank with ING, but for those customers it is one of the better-value cards on the market.
ING Orange One Rewards Platinum at a glance
| Issuer | ING Australia |
| Card network | Visa |
| Annual fee | A$149 |
| Rewards rate | 1% cashback on eligible purchases (capped at A$30 a month) |
| Welcome bonus | None |
| Intro APR | None |
| Purchase rate | 12.99% p.a. (variable) |
| Foreign transaction fee | None when monthly Orange Everyday criteria are met; otherwise 3% |
| Credit needed | Good |
| Airport lounge access | No |
| Best for | ING customers who want cashback, a low rate and no international fees |
Rewards & perks
- Cashback credited monthly to your card
- Low purchase rate compared with rewards cards
- Complimentary international travel insurance
Pros
- Cashback instead of points — simple and transparent
- Low ongoing rate
- Fee-free overseas spending for eligible ING customers
Cons
- A$30 monthly cashback cap (A$360 a year) limits the upside
- Annual fee eats part of the cashback
- Best features require an ING everyday account and monthly deposits
Who should apply
- Australian residents aged 18+ with a good credit history
- Existing ING Orange Everyday customers
- Spenders of A$3,000 a month who want cashback
Before you apply: card terms change often. Confirm the current annual fee, interest rate, welcome offer and rewards on the official ING Australia site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
How it compares with similar Australia cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
ING Orange One Rewards PlatinumING customers who want cashback, a low rate and no international fees |
A$149/yr | 1% cashback on eligible purchases (capped at A$30 a month) | None | None when monthly Orange E… | Good | |
American Express Qantas Ultimate CardQantas flyers who can use the annual travel credit |
A$450/yr | 1.25 Qantas Points per A$1, dropping to 1 point after 100,000 points i… | None | 3% | Good to excellent (minimum inc… | |
Qantas Premier Platinum Credit CardQantas Frequent Flyers who want points, lounge invitations and insurance |
A$399/yr | 1 Qantas Point per A$1 on domestic spend (up to A$10,000 per statement… | 0% on balance transfers for an introductory period (fee may… | 3% | Good to excellent (minimum inc… | |
ANZ Frequent Flyer Black Credit CardHigh spenders who want a high Qantas Points cap on a Visa |
A$425/yr | 1 Qantas Point per A$1 up to A$7,500 per statement period, then 0.5 pe… | None on purchases | 3% | Good to excellent (minimum inc… |
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