How to Apply for your ING Orange One Rewards Platinum Credit Cards

The ING Orange One Rewards Platinum Credit Card, offered by ING in Australia, is a premium financial instrument designed for discerning individuals who value direct cashback, convenience, and robust travel and purchase protections. Unlike traditional rewards credit cards that focus on complicated points conversions, the Orange One Rewards Platinum delivers a seamless, straightforward 1% cashback on eligible purchases (up to $30 per month, or $360 per year), making it a standout option for those who seek real, tangible value without the hassle.

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Beyond its cashback rewards, this card is equipped with features such as complimentary international travel insurance, $0 ING international transaction fees, and advanced digital banking tools. The result is a highly efficient product that brings together rewards, security, and superior banking experience in a single, easily managed platform. By integrating directly with ING’s digital-first ecosystem and requiring an active Orange Everyday account, cardholders can enjoy centralised management of finances, instant card-lock and unlock, and contactless payments via Apple Pay and Google Pay.

ING Orange One Rewards Platinum: Key Advantages

The Orange One Rewards Platinum Credit Card is packed with features that appeal to both everyday users and frequent travellers. The primary advantage is the 1% cashback on eligible purchases, credited straight to your ING account, which efficiently rewards ongoing spending without any complicated redemption process. With the capacity to add supplementary cardholders for only $10 annually per card, families and couples can collectively earn more cashback.

Additionally, the card distinguishes itself through its suite of premium perks: complimentary international travel insurance (for approved limits of $6,000+), zero ING international transaction fees, and free card or emergency replacements. Digital convenience is at the forefront, with integrated mobile payments, instant payment notifications, and automatic repayments through ING’s award-winning mobile app. These benefits, coupled with robust travel and purchase protection, position the Orange One Rewards Platinum as one of Australia’s most competitive platinum rewards cards.

Detailed List of Card Benefits

• 1% Cashback: Earn 1% cashback on eligible transactions, up to $30/month ($360/year). Cashback is paid automatically to your linked ING account after each statement cycle.
• Complimentary International Travel Insurance: Available when approved for a credit limit of $6,000 or more. Covers essentials for international travel (see insurance T&Cs).
• $0 ING International Transaction Fees: No ING foreign transaction fees on purchases or ATM withdrawals when shopping online or overseas.
• Low Interest Rate Options: Purchases and cash advances at 16.99% p.a. (variable), and 9.99% p.a. (variable) for instalment plans, helping cardholders manage repayments on large expenses with lower interest.
• Interest-Free Period: Up to 45 days interest free on purchases—provided the previous statement balance is paid in full.
• Digital Wallet Compatibility: Apple Pay and Google Pay supported for fast, contactless, and secure payments.
• ING Pocket Perks: Access to additional cashback offers on select merchants via the ING app, usually paid within 7 days of a qualifying purchase.
• Free Card Replacement: Receive free replacement or emergency cards in Australia and overseas.
• Purchase Protection & Extended Warranty: Enhanced security and protection on eligible purchases made with the card.
• Supplementary Cards: Add family or household members as additional cardholders for $10/year each, pooling and maximising rewards.

Eligibility Criteria and Application Requirements

• Minimum age: 18 years
• Minimum annual income: $36,000 (pre-tax)
• Residency: Australian citizen, New Zealand citizen, or Australian permanent resident
• Australian residential address required
• Good credit history and must meet ING’s credit lending guidelines
• Hold or open an ING Orange Everyday account as part of the application process
• Note: The product is not available to self-employed applicants

Required documentation often includes PAYG payslips, proof of super income, recent bank statements, and tax returns to verify income and personal identification.

About ING Bank Australia

Since launching in Australia in 1999, ING has established itself as a market innovator and digital-first financial institution. Growing from the global Dutch banking powerhouse ING Group, ING Australia was one of the first to introduce branchless banking and continues to champion competitive rates, transparent products, and award-winning digital services.

Today, ING Australia serves over 2 million customers, offering a full suite of financial products: transaction and savings accounts, credit cards, home and personal loans, superannuation, and diverse insurance covers. The bank’s focus on digital transformation allows its customers to manage finances efficiently via mobile or online banking platforms—24/7. Renowned for excellent customer support and cutting-edge technological features, ING is a natural fit for those seeking both global expertise and superior local customer experience.

Who Is This Card For?

This platinum rewards card is targeted at digitally-savvy Australian residents (or permanent residents and New Zealand citizens in Australia) who earn at least $36,000 a year. The ideal customer is an individual (not self-employed) who values the simplicity and transparency of straightforward cashback, integrated digital banking, and robust travel protections, and who regularly spends on eligible transactions.

It is best suited for employed professionals, retail and business employees, or anyone with a stable salary and good credit—especially those wanting to maximise ongoing value from their day-to-day spending, and those seeking the convenience and safety of modern mobile-first banking. Families and couples can also benefit from supplementary cardholder options, efficiently pooling household expenses and rewards.

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Step-by-Step Guide to Apply for the ING Orange One Rewards Platinum

1. Check Eligibility: Confirm you are 18 years or older, employed (not self-employed), have a pre-tax income of at least $36,000, and are a resident of Australia or New Zealand living in Australia.
2. Prepare Documentation: Gather PAYG payslips, proof of super income, bank statements or tax returns, and valid ID (such as driver’s licence, passport, or Medicare card).
3. Open or Hold an ING Orange Everyday Account: If you already have an account, you can proceed. If not, your credit card application allows you to open one in tandem.
4. Complete Online Application: Visit the official application page and follow instructions. The online form can usually be completed in minutes.
5. Submit Application: Once you’ve provided all required information and supporting documents, submit your application for assessment.
6. Await Approval: ING will notify you upon approval; physical cards are typically dispatched within 5–7 business days.

Want to start now? Apply here.

Download the ING app to manage your card:

• Android (Google Play)
• iOS (App Store)

Pros and Cons of the ING Orange One Rewards Platinum Credit Card

• Pros:
  • Generous, easy-to-understand 1% cashback rewards
  • No ING international transaction or ATM withdrawal fees
  • Complimentary travel insurance (for eligible limits)
  • Modern digital banking features and mobile compatibility
  • Supplementary cards for family earning
  • Robust security features (instant card-lock, notifications, fraud protection)
• Cons:
  • Annual fee of $149 is higher than some entry-level cards
  • High purchase/cash advance interest rate (16.99% p.a.) if you carry a balance
  • Rewards capped at $30/month ($360/year)
  • Card not available for self-employed, casual, or applicants with fluctuating income
  • No traditional points/miles program for frequent flyer enthusiasts

How to Activate Your ING Orange One Rewards Platinum Credit Card

Upon receiving your card:

1. Log in to the ING App or online portal using your credentials.
2. Select ‘Manage Cards’, then follow the prompts to activate your new card.
3. Personalise your settings, such as PIN and payment notifications.
4. Add your card to Apple Pay or Google Pay for immediate digital payments.
5. Contact ING support if you require assistance during activation.

You can reach ING customer support at 133 464 for further assistance or visit the official card page.

Fees, Charges, and Interest Rates

• Annual Fee: $149
• Late Payment Fee: $30
• Cash Advance Fee: Greater of $3 or 3% of the advance amount
• Supplementary Cardholder: $10 per year
• Replacement Card: Free (including emergency replacements)
• Over Limit/Dishonours Fee: $0
• Variable Purchase & Cash Advance Interest Rate: 16.99% p.a.*
• Variable Instalment Plan Interest Rate: 9.99% p.a.*
• International Transaction Fee: $0 (ING only; ATM operators may charge their own fees)
• Interest-Free Period: Up to 45 days (on eligible purchases, conditions apply)

*Interest rates are subject to change. For the most up-to-date rates and all fee details, see the full terms and key facts sheet.

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Customer Service

• Phone: 133 464 (within Australia)
• Overseas Phone: +61 2 9028 4077
• ING App: Android / iOS
• Live Chat/Message: Via the app or online banking
• Help Centre: ING Help & Support