All applications are subject to ING’s eligibility and credit assessment criteria

Information and interest rates are current as at the date of this publication and are subject to change. Interest free period available only where entire revolving balance plus monthly instalment amounts are repaid in the previous statement period.

The cashback entitlement will be calculated monthly and will be paid to your linked ING Orange Everyday Account one calendar day after the date you are required to make your minimum monthly credit card repayment

Fees and charges apply. Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to the products you should read the relevant Terms and Conditions, Fees and Limits Schedule, Credit Guide, Cashback Rewards Terms and Conditions and Credit Guide, Complimentary Insurance Terms and Conditions available at . To view these documents you may need Adobe Acrobat.

Any purchases refunded will be removed from the calculation for the cashback; – Any transactions made which result in spending that exceeds the credit limit in any one month; and – BPay transactions

Where you hold an active Orange One Rewards Platinum Credit Card Account and an active linked Orange Everyday Account (i.e. not been suspended or closed), you can earn 1% cashback up to a maximum cashback entitlement of $30 per month per Account when you make eligible purchases^ on your Orange One Rewards Platinum Credit Card. The cashback does not reduce your minimum monthly credit card repayment obligations.

^Eligible purchases include card purchases made in store or online, EFTPOS purchases, payWave, Apple Pay and Google Pay transactions made with Orange One Rewards Platinum Visa card, but excludes: – Cash transactions (including cash withdrawals from an ATM or over the counter at a bank or cash provider, pseudo cash transactions e.g. gambling, mobile phone top ups and foreign currency and travellers cheques), interest, default charges, insurance premiums and other fees and charges debited to your Orange One Rewards Platinum Account. – Amounts re-credited or refunded. We may vary any of these terms and conditions or withdraw this cashback offer at any time.

Limitations and exclusions apply to the establishment of instalments, including minimum purchase values, number and term of instalments. The interest rate for the Instalment Plan is current at the date of this message and is subject to change.

Each monthly instalment repayment will form part of the minimum monthly repayment due on the regular payment due date. Eligible amounts exclude portions already added to an existing instalment plan, fixed monthly instalment repayments, cash advances, fees, interest charges, and amount in arrears. Duration of instalment plans (3 months to 7 years) is dependent on the instalment amount. Changes can be made to the period of a plan within the initial 2 years and up to 3 times. Extra repayments can be made without incurring early repayment fees. For more information please call us on 133 online payday loans Delaware 464 and see the Terms and Conditions.

The Global ATM Fee Rebate Offer and the Foreign Currency Conversion Fee Rebate 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 bank account to any personal ING account in your name (excluding Living Super and Orange One), and – also make at least 5 card purchases that are settled (and not at a ‘pending status’) using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).

Card purchases includes in store credit or EFTPOS purchases, online purchases, regular card payments, payWave, Apple Pay and Google Pay transactions made with an Orange Everyday Visa card, Orange One Low Rate or Orange One Rewards Platinum Visa card or Nil Interest Visa card provided with an eligible ING home loan. When using the phrase ‘settled’ card purchases in a calendar month, we mean that the purchases made on your card must be fully processed by the end of the last day of that month. Card purchases made in store or online this current calendar month which are at a ‘pending status’ and do not settle until the next calendar month do not count towards the 5 card purchases needed this current calendar month.

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