ing orange one travel insurance

United States
United Kingdom

In this guide

Our verdict

Product details

Eligibility, how to apply, card benefits.

Rates & fees

Your reviews

Ing orange one low rate credit card.

Save with $0 annual fee, low interest rates and flexible repayment options with the ING Orange One Low Rate credit card.

Finder Awards winner Finder Green Award winners are based on a company's environmental impact including greenhouse gas emissions and renewable energy usage." rel="popover" data-html="true"> Green Award The ING Orange One Low Rate credit card is one of the few cards on the market that combines $0 annual fee with low interest rates. The instalment plan is also a unique feature and offers a lower interest rate of 9.99% p.a., which is a good option if you have a large purchase that you need to pay off.

$0 annual fee for the life of the card
Low variable interest rate of 11.99% p.a. on purchases and cash advances
Must hold an Orange Everyday account or request to open one to receive this card
Several criteria to receive the ATM fee rebate and foreign transaction fee waivers

With no annual fee and up to 45 interest-free days, this ING credit card offers simple and affordable access to credit.

It charges no annual fee, a competitive variable interest rate of 11.99% p.a. and up to 45 interest-free days on purchases. You also have the option to use payment plans for larger purchases and save with foreign transaction fee rebates when you meet the eligibility requirements.

Eligibility criteria

ING account. You must have an active Orange Everyday bank account or apply for one at the time of credit card account application.
Income. You need to earn at least $36,000 p.a.
Credit history. You must have a good credit score and meet ING's credit lending guidelines to receive approval.
Residency. You must be an Australian citizen, permanent resident or New Zealand citizen with an Australian residential address.
Age. You must be at least 18 years of age to apply for this credit card.

Required documents

Personal details. This includes your full name, date of birth, residential address, email address and contact number.
Identification. You'll need to provide your driver's licence number or another valid form of identification (such as your passport or Medicare number).
Employment information. This includes your current role, salary and your employer's name and contact details. You'll need to confirm your annual income with PAYG payslips.
Financial information. You'll be asked to provide details of any other assets you have, such as savings or investments, as well as debts. You'll also need to include estimates of your everyday spending on essentials such as rent, transport, utilities and other household spending.
No annual fee. This card offers an ongoing $0 annual fee.
Currency conversion fee rebate. When you use your card overseas or to make a transaction in a foreign currency online, a foreign transaction fee of 3% will apply. However, you can take advantage of the foreign currency conversion fee rebate when you deposit at least $1,000 from an external bank account to any personal ING account under your name (excluding Living Super and Orange One) and make at least 5 eligible purchases using your ING debit or credit card in the previous month.
Instalment plans. Pay off a large purchase or group of purchases over a time frame of your choosing and save with a lower interest rate with an instalment plan. This means you'll pay a fixed amount off the balance each statement and pay a variable rate of 9.99% p.a. on the instalment plan balance.
Mobile payment. The Orange One Low Rate credit card is compatible with Apple Pay allowing you to use your smartphone to make contactless payments at the checkout.
Australian ATM fee rebate. If you use your credit card to make a withdrawal at an Australian ATM, the ATM fee will be rebated when you meet the conditions. You must deposit at least $1,000 from an external bank account, such as your salary, to any personal ING account under your name (excluding Living Super and Orange One Low Rate) and make at least 5 eligible purchases using your ING debit or credit card in the previous month. Note that the cash advance interest rate and fee will still be charged.

Rates & fees

Interest rate. The Orange One Low Rate card charges a variable rate of 11.99% p.a. on purchases and cash advances.
Interest-free days. Enjoy up to 45 days interest-free on purchases when you pay the "Amount Due" on each statement by the due date listed. The "Amount Due" is your full balance, minus any amount owing under Instalment Plans that is not due and payable for that statement period.
Cash advance fee. A fee worth the greater of $3 or 3% of the cash advance amount will apply when you use your card to withdraw money or for any other cash advance transaction.
Late payment fee. If you don't pay the minimum amount on your statement by the due date, a fee of $20 will be charged to your account.
Additional cardholder fee. An annual fee of $10 applies for any additional cardholders you link to your account.
ING Orange One Low Rate credit card information PDF
ING Orange One Low Rate credit card TMD

Sally McMullen

Sally McMullen was a creative content producer at Finder. Sally wrote about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong. See full profile

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ING Orange One Rewards Platinum Credit Card

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

Get up to $30 cashback per month, up to $360 each year.
Relatively low interest rate of 16.99% p.a. on cash advances and purchases.
An instalment plan that helps lock up lower interest rate (9.99% p.a.).
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.

Convenience

Customer service, rates and fees.

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.

Rewards and benefits

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.

Reviewed by Nilooka Dissanayake

User reviews

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Disclaimer: You need to be logged in to claim Finty Rewards. If you proceed without logging in, you will not be able to claim Finty Rewards at a later time. In order for your rewards to be paid, you must submit your claim within 45 days. Please refer to our T&Cs for more information.

Orange One Rewards Platinum Credit Card card image

Mozo experts choice awards won:

Cashback Premium Credit Card - 2023

ING Orange One Rewards Platinum Credit Card

Mozo editorial review ing orange one rewards platinum credit card - last updated: 2 november 2023.

Earn up to $360 cashback a year!
Low 16.99% p.a. variable interest rate.
Lock in 9.99% p.a. interest rate with a payback instalment plan!
2023 Mozo Experts Choice Award winner
$149 annual fee
You need to hold an active orange everyday account

Mozo snapshot

Unlike other rewards cards where you earn points per dollar spent, with the ING Orange One Rewards Platinum Card, you earn 1% cashback on eligible purchases, up to $30 a month. It has one of the lower interest rates for rewards credit cards at 16.99%, and other perks like no international transaction fees and complimentary travel insurance.

It also won a 2023 Mozo Experts Choice Award for the best Cashback Premium Credit Card.

Key features

With the ING Orange One Rewards Platinum credit card, the standard purchase rate is 16.99% with an interest free period of up to 45 days. You’ll also get the option of setting up instalment plans to help pay off your purchases over time at a lower 9.99% interest rate. The maximum number of instalment plans you can have at any one time is 10, and the term of repayments can be between 3 months to 7 years depending on the value of the instalment plan.

You will be able to avoid paying international purchase fees if you use the card overseas (online or in person) as long as you deposit at least $1000 a month into your Orange Everyday account and make more than five purchases. If you don’t meet this criteria the international purchase fee is 3.00%.

One of the other perks of this credit card is the complimentary travel insurance which is available to all cardholders with an approved credit limit of $6000 or more. To activate the insurance you’ll need to make a purchase using your Orange One Rewards Platinum Card of $500 or more on airfares or accommodation prior to travelling.

Fintech lovers will also be glad to hear that you can use Apple Pay and Google Pay to make purchases with the card.

Who is it good for

You will need to have an active Orange Everyday account to be eligible for the Orange One Rewards Platinum card, be over 18 years and at least earn $55,000 and have PAYG payslips.

Any catches

This card does come with an annual fee of $149 so make sure that you are taking advantage of the cashback offer each month and using the added extras like free travel insurance and no international purchase fees.

There are also a few stipulations when it comes to receiving cashback, for example cash transactions, ATM withdrawals and BPAY transactions are not eligible to receive the cashback reward.

Rewards program details

Rates and fees information correct as at 15 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.

What your points get you

Fly sydney to london return, fly sydney to melbourne one-way, $100 giftcard.

10,000 points

Points earning

1 point per dollar on Visa, up to $3,000 per month

Rewards scheme

Earn 1% cashback on your spend up to $30 a month. (This may be referred to as 1 point per dollar, up to $3,000/month on Mozo.) May be suspended if you exceed your credit limit or the account is in arrears.

Value of rewards points

Spend $10,000 (Visa)

at $3,000 monthly

How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

calculate how many points you'd get each year,

figure out how many flights or gift cards or cashback credits you could get for those points,

work out what that's actually worth to you,

take off the annual fee you'd pay.

More details:

Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.

We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.

In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.

We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.

To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.

Shopping rewards are based on $100 gift cards from a major national department store.

We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Rate and fee details

Payment options.

Apple Pay, Google Wallet

Rewards privileges

Travel Insurance

Other benefits

Foreign currency conversion fee and $5 International ATM Fee waived when you deposit at least $1,000 from an external bank account and make at least 5 card purchases using your ING credit or debit card each month.

Customer Reviews

How are ing credit cards rated by the mozo community, latest reviews of ing orange one rewards platinum credit card, great bank with low/no fees..

ING is great a for travelling internationally, atm fees are reimbursed and the exchange rate they offer is great. The only negative I have with them is that there aren't many physical branches in Australia, though their online service make up for it.

ING review.

ING has excellent customer service, especially on the phone. They are always helpful in resolving issues promptly. Great competitive rates and products. Would highly recommended them.

Great, would recommend to others

It was amazing, I had barely any interest to pay back.

Low Rate Card

13.49% p.a.

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

$59 $0 in the first year

American Express

Qantas Ultimate Card

23.99% p.a.

No current offer

Qantas Frequent Flyer

Platinum Edge Credit Card

$195 $0 in the first year

Membership Rewards

Explorer Credit Card

Velocity Platinum Card

Velocity Frequent Flyer

Qantas Discovery Card

Low Rate Credit Card

10.99% p.a.

Velocity Escape Card

1.25 points up to 100,000 points/year, then 1 point uncapped

G&C Mutual Bank

Platinum Visa Credit Card

1 point up to 20,000 points/month

Qantas Rewards Premium Card

$250 $150 in the first year

0.66 points up to $3,000/month, then 0.33 points up to $6,000/month

Qantas Premium Card

1 point uncapped

Rewards Signature Card

NAB Rewards

$295 $145 in the first year

1.25 points uncapped

0.75 points uncapped

Qantas Rewards Signature Card

$395 $295 in the first year

1 point up to $5,000/month, then 0.5 points up to $20,000/month

Premier Credit Card

0% p.a. for 6 months and then 22.24% p.a.

21.49% p.a.

$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year

Citi Rewards Program

Bank of Queensland

Blue Visa Credit Card

0% p.a. for 9 months and then 21.74% p.a.

0% p.a. for 9 months then 20.74% p.a.

Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0% p.a. for 24 months and then 20.99% p.a.

20.74% p.a.

$149 $0 in the first year

More Mastercard

0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)

19.99% p.a.

Bankwest More Rewards

12.99% p.a.

0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)

Australian Unity

Low Rate Visa Credit Card

0% p.a. for 6 months and then 8.99% p.a.

$120 $10 monthly fee waived if the outstanding balance on the previous statement is paid in full by the due date.

StraightUp Card

$240 $20/month - waived if no spend & no balance owing

About Mozo’s Editorial Star Ratings

Mozo’s Editorial Star Ratings are a score out of 5 stars arrived at by the author of the review after careful consideration of a product’s rates, fees and features when compared with other products that offer similar features.

As a guide, this is how the Editorial Star Ratings should be interpreted:

5 stars - a best in class blend of great value and features
4 stars - excellent value and features overall
3 stars - good value and features overall
2 stars - below average, but may be worth considering for some people
1 star - well below average

Ratings are just one factor you may want to consider when choosing a financial product. Our ratings have been determined without considering your personal objectives, and a product with a high rating may not be the best one for you.

Important information on terms, conditions and sub-limits

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Who we are and how we get paid

Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.

We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.

'Sponsored', 'Hot deal' and 'Featured Product' labels denote products where the provider has paid to advertise more prominently.

'Mozo sort order' refers to the initial sort order and is not intended in any way to imply that particular products are better than others. You can easily change the sort order of the products displayed on the page.

Calculators

Knowledge hub.

Orange One Rewards Platinum

Important disclosure

ING Orange One Rewards Platinum

Apple & Google Pay

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. Get international transaction fees waived and a global ATM rebate. T&Cs apply.

Purchase Rate

Balance transfer rate.

Not Applicable

RateCity says

“A platinum credit card that offers the bells and whistles of a premium card, while charging a moderate interest rate. ”

Pros and cons

For Orange One Rewards Platinum

Higher than average ongoing annual fee
No balance transfer
Does not offer free supplementary cards

ING Rate Credit card overview

Electronic wallet service, important rates.

Balance Transfer

Overseas spending

Eligibility, other restrictions.

Balance Transfer not available. Cash advances: 10% of the credit limit, up to a $500 maximum.

Promoted credit cards

Rewards Platinum

Apple, Google & Samsung Pay
Balance transfer

Bonus Points

Australian Credit Licence 234527 Fees & charges apply

Latitude 28º Global Platinum Mastercard

No annual fee

Australian Credit Licence 392145 Fees & charges apply

Low Fee Platinum

Low annual fee

Australian Credit Licence 230686 Fees & charges apply

Platinum Edge Credit Card

for 12 months then $195 thereafter

Australian Credit Licence 291313 Fees & charges apply

for 12 months then $87 thereafter

Product data updated on 14 Apr 2024

Credit Cards With Travel Insurance

Compare 80 credit cards that come with complimentary travel insurance.
See how our Editor compared credit card travel insurance to standalone cover for an upcoming trip.

Compare credit cards with international travel insurance

This table shows credit cards in australia that offer complimentary travel insurance to cardholders. the table is sorted by lowest annual fee then by lowest purchase rate..

Info correct as at 4 February 2024. Check with the provider for full card details, including fees, limits, terms and conditions – plus insurance inclusions, exclusions, limits and other conditions – to make sure it's right for you. While this is an extensive list of the credit cards available with overseas travel insurance included, we can't guarantee that all cards available in the market are shown.*After a total of 100,000 Qantas Points is earned in a calendar year, the everyday earn rate will change from 1.25 to 1 Qantas Point per $1 spent. For Card Members who applied for the Card between 1 July 2023 – 9 January 2024, this change will come into effect from 10 July 2024.

In our credit cards with travel insurance guide:

How to choose the best credit card with travel insurance included

Credit card travel insurance Vs a standalone policy

How to trigger your credit card travel insurance

Other questions people ask about credit card travel insurance, what cover do you get with credit card travel insurance, is credit card travel insurance worth it, what to check before relying on credit card travel insurance.

Complimentary travel insurance is one of the most common perks offered with credit cards, particularly the more premium rewards credit cards .

But it’s rarely the only reason for choosing to apply for a credit card . Here's what to consider if you're looking for a suitable credit card overall:

Travel insurance inclusions: Assess the policy's suitability for you. The Australian government's Smartraveller travel insurance guide says you should consider your travel habits (destination, trip duration, activities and trip cost), plus your age, health and what valuables you'll be travelling with.
Interest rate: If you will ever carry a balance on the credit card beyond the interest-free period, opting for a low rate credit card will save you money.
Interest free days: The higher the number of days you get interest-free on your credit card, the less likely it is you’ll need to pay interest on your purchases. 55 days is usually the maximum but there are cards out there offering up to 110 interest free days.
Annual fee: This is often the biggest cost of having a credit card. Ideally aim for a low fee (e.g. under $100) or better yet, no fee at all.
International fees: If you will be using it while you’re travelling (or paying for overseas purchases while at home), opting for one of the credit cards with no international fees could save you money.
Rewards: If rewards are important to you, look at both the number of points you’ll earn per $1 spend as well as any sign up bonuses. If it's a cashback credit card , look at the percentage of spending you get back. And make sure you will actually use the points (many people don't!). Some cards offer other rewards perks, including some cards that come with airport lounge access .

Choosing the best credit card with travel insurance

The travel insurance that’s included with some credit cards covers most of the same risks as the standalone travel insurance available directly from insurance companies.

The main difference with credit card travel insurance is the cover is standardised for all cardholders. With some limited exceptions, you're not able to tailor the cover to your specific trip or needs, like you can with most standalone policies.

Each credit card’s travel insurance inclusions will be different (the same is true of standalone policies) but there are four main types of travel cover that may be included:

Overseas travel insurance: Covers a range of risks related to an overseas trip, including medical costs, travel cancellations and loss/damage of luggage.
Interstate flight inconvenience cover: Covers domestic travel for risks like cancellation, delay and loss of luggage. Around 94% of cards offering international travel insurance also offer this kind of domestic cover, Money.com.au’s analysis shows.
Transit accident insurance: Pays a benefit if someone covered by the policy is killed or injured in an accident while travelling. This may cover international trips, domestic or both.
Rental vehicle excess cover: Covers the policyholder for part or all of the costs they otherwise would need to pay if a car they are renting is damaged. This could apply to cars hired in Australia, internationally or both depending on the policy.

Credit card travel insurance explained in more detail

Who is covered by credit card travel insurance.

Credit card travel insurance generally covers the cardholder(s), plus their spouse(s) and any dependents travelling with them.

To be eligible, you generally also need to be living in Australia and making a return trip. An upper age limit typically applies too. This tends to be around 80 years of age on policies analysed by Money.com.au. NAB is one provider that extends a level of cover – excluding medical – to eligible travellers aged under 91 years.

Make sure to double check the eligibility criteria for who is covered as it can vary from card to card.

Remember too that you are not automatically covered by your credit card’s travel insurance. You generally need to ‘activate’ the cover. This usually means you need to pay for all or part of the trip using the credit card offering the cover. More on that to come.

What is covered by credit card overseas travel insurance?

Credit cards with travel insurance tend to cover a wide range of risks and events. But what you’re covered for will vary from provider to provider. It can also differ from one card to another among cards from the same provider.

As a rule of thumb, the more premium the credit card, the more comprehensive the travel insurance it offers is likely to be . But check the insurance documents and list of benefits available to be sure.

Here are some of the risks that credit card travel insurance may cover. Cover provided is usually up to a certain dollar amount per type of cover for each trip, but for some risks, cover may be unlimited.

Trip cancellation/amendment: Will cover pre-paid costs if you need to cancel or change your travel plans for certain reasons (e.g. you become sick).
Personal accident cover: Makes a payout if you die or are injured in an accident while travelling.
Card account balance waiver cover: Pays off your credit card balance if you have an accident.
Travel inconvenience cover: Covers your costs if your flight is cancelled or significantly delayed, or you miss a connecting flight.
Medical emergency cover: Covers your costs if you experience a medical/dental emergency while travelling or need to be flown back to Australia due to a medical emergency.
Emergency travel and accommodation cover: Covers the cost of additional transport and/or accommodation required if you are incapacitated. E.g. with some policies, the cost of flying your dependents home may be covered if you are hospitalised.
Resumption of trip cover: Pays for the cost of resuming your international trip if it is unexpectedly interrupted because a close relative dies or becomes seriously ill.
Cover for luggage and travel documents: Covers the cost of your luggage and travel documents if they are lost, damaged or stolen. Usually there is a limit on how much you can claim back per item and in total.
Personal liability cover: Covers your costs if you accidentally injure someone or their property.
Loss of income cover: Covers you for lost income if you are injured or suffer an illness while travelling. The loss of income generally needs to be above a certain limit (e.g. 30 days or more).
Kidnap/hijack cover: Enables your close relatives to travel to the place where you have been kidnapped or where the hijacking has happened.
Domestic pet boarding cost cover: Covers additional costs you incur for boarding your dog(s) or cat(s) if your return home is unexpectedly delayed.

How long are you covered for?

Your credit card’s travel insurance terms and conditions will specify how long you will be covered for. It's often either three or six consecutive months from when you begin your travel.

This is different to how a standalone travel insurance works. With standalone cover, you tell the insurer your travel dates and the cover applies to those dates if you’re approved. You can also get annual cover.

If you are undertaking a long trip, bear in mind that credit card travel insurance may not cover its full duration.

What’s excluded with credit card travel insurance?

With credit card travel insurance, there are two types of exclusions to watch out for: those that apply to specific named events or risks and general exclusions that apply across the policy. Here’s an overview of each.

General exclusions

These are exclusions that apply across any kind of risk, and include:

Travelling against medical advice or after you have been diagnosed with a terminal illness.
Travel for the purpose of getting medical treatment may also be excluded.
Claims relating to excluded pre-existing medical conditions.
Claims relating to you losing your income or employment.
Intentional self-harm or suicide. Claims relating to your use of alcohol or drugs.
Many pregnancy-related claims.
Participating in dangerous activities (e.g. travelling in an unlicensed air plane or other form air travel, or scuba diving unless you are properly qualified and certified) Illegal activity by you, your spouse or dependents under your supervision.
Travel costs lost because you or your spouse failed to obtain a visa/passport for travel.
Claims relating to acts of war.
Claims that were caused by you not taking reasonable care.
Interference with your travel plans by any government or local authority.
Travelling against a government warning (e.g. ‘do not travel’ or ‘reconsider your need to travel’ warning)

Risk-level exclusions

These are more specific and relate to particular types of risks listed in a credit card’s travel insurance policy documents.

As an example, many policies cover your costs if you need to cancel your trip for unforeseen reasons. But depending on the policy, you might not be covered if:

Before you booked the trip, you were aware your plans might need to change for that reason.
Your travel partner changed their plans.
The company you booked your travel with has a financial collapse.
The cancellation is caused by an act of terrorism.

Comparing credit card travel insurance to a standalone policy

I recently compared travel insurance options for a two-week family trip to the United States. I was surprised to see that the cover I get through my credit card (inclusions and claim limits) is very similar to the standalone policies I looked at – only much cheaper.

My credit card (Westpac Altitude – Qantas) has an annual cost of $250. Each standalone policy I looked at would have cost considerably more than that.

My credit card also earns me around 25,000 Qantas points per year on average (I’m not a massive credit card spender). That’s worth about $100 if converted to a gift card with most retailers. The table below shows a summary of how I compared the options.

Sean Callery , Editor of Money.com.au

Costs, inclusions and limits are examples based on this specific scenario only. Actual policy costs will be different based on the provider you choose, your specific travel plans and circumstances.

The travel insurance that comes included with credit cards tends to compare well to standalone travel insurance based on cost. It’s included in your card’s annual fee after all, so there is no additional cost.

The main trade-off is flexibility. Credit card travel insurance falls under what’s known as a 'group policy'. This kind of cover applies in the same way for all policyholders. On other words, there is very little scope to tailor the cover if the standard inclusions don’t suit you.

In my case (outlined above), the generic cover was fine, but that won’t be true of all trips and travellers.

Pros and cons of credit card travel insurance

Pros of credit card travel insurance.

No additional cost beyond the cost of your credit card (the annual fee is the main fee, but there are credit cards with no annual fee that offer complimentary insurance).
The standard inclusions, exclusions, limits and other policy conditions are typically similar to what you can get with a basic standalone policy.
Having your travel insurance included means there one less thing to do when booking your trip.
Your card may offer other travel perks – e.g. frequent flyer points and in some cases no international transaction fees .

Cons of credit card travel insurance

Nearly all credit cards offering travel insurance have an annual fee. The average among cards analysed by Money.com.au is $244, but can be as high as $1,450.
The cover is usually generic for all cardholders. For more complex situations where a higher level of cover is required, the cover included may not be suitable. Some card providers (e.g. Commbank ) allow you to upgrade your cover for an extra fee.
The cover usually does not apply automatically. You need to ‘activate’ it. In many cases, that means using your card to book the trip.

Our expert’s view on credit card travel insurance

Many people don't trust card-based travel insurance, but I don't really understand why. Maybe I'm the only person who actually reads product disclosure statements, but when you look into what’s behind these insurance policies, they are issued by the big insurance companies and the inclusions are usually very generous. Just don’t assume it’s going to be right for everyone. Look into the detail and check if it's what you need.

Brad Kelly , Money.com.au's credit card expert

The travel insurance that may come with your credit card usually needs to be activated before you’re eligible to be covered.

If you haven’t activated it, chances are you won’t be covered and any claim you make may be denied.

Money.com.au looked at the rules for dozens of credit card insurance policies and, broadly speaking, to activate your cover you need to do one or both of the following:

Pay for all or part of your eligible trip using the credit card. Paying for the trip in full using credit card points may not count as a way of activating the insurance, depending on the provider.
Opt in to activate the cover.

Here are the rules for activating your travel insurance with eligible credit cards with Australia’s major credit card providers.

Activating travel insurance with the major providers

American express.

For return international trips, you must pay the full amount of your outbound ticket for a scheduled flight or cruise leaving Australia using a current American Express credit card account and/or corresponding American Express Membership Rewards/frequent flyer points or travel benefit.

Before leaving Australia you must spend at least $250 on your prepaid travel costs and charge these costs to the account holder’s card account.

Overseas medical and liability cover applies automatically. But for other aspects of overseas travel cover, you must activate the policy online (no fee or minimum spend applies) before you leave Australia. If you activate the cover after you leave Australia, a three-day no-cover period will apply.

You must charge at least $500 of your prepaid travel costs to the account holder’s card account. NAB is also the issuer of Qantas credit cards (ones sold directly by the airline), as well as Citi and BOQ credit cards.

Before leaving Australia you must spend at least $500 on prepaid travel costs and charge these costs (e.g. cost of your return overseas travel ticket or accommodation) to the account holder's card account

Are you eligible to be covered?

Based on your age and other factors.

Is your trip eligible?

It usually needs to be a return trip starting in Australia.

Will your travel companions be covered?

Usually only the cardholder's spouse and dependents are eligible. A friend you're travelling typically won't be.

Is the cover duration long enough?

The max is usually 3/6 consecutive months.

Will any pre-existing conditions be covered?

Some policies will still cover specific pre-existing conditions but many conditions will be excluded (check theT&Cs).

Have you activated the policy?

If not, you won't be covered. Check the requirements carefully.

Will any risky activities be covered?

Many policies exclude 'extreme' activities.

Is the policy generally suitable?

Based on your situation and the kind of trip you’re undertaking.

How do you make a claim on your credit card’s travel insurance?

You’ll need to make the claim to the travel insurance provider (not the card issuer) but there is usually a link to the claims portal on the card provider’s website. You can typically claim online or over the phone by providing details about the incident and supplying any supporting evidence and cost receipts.

What other insurance can I get with a credit card?

Travel insurance is just one of the types of cover available with some credit cards in Australia. You may also get:

Purchase protection cover: Covers eligible purchases if the item you bought is lost, damaged or stolen.
Price protection cover: Covers you for the price difference if the item you purchased drops in price within a specified period after you bought it.
Refund protection: Reimburses the cardholder for the cost of eligible items if the retailer will not provide a refund.
Extended warranty insurance: Extends the manufacturer’s standard warranty on eligible items purchased using the card.
Smartphone screen cover: Like purchase protection cover, but specifically designed to cover the cost of repairing a smartphone screen that’s been damaged.

Are pre-existing conditions covered by credit card travel insurance?

Many credit card travel insurance policies exclude claims relating to pre-existing medical conditions. However, there are some situations where a pre-existing may be covered:

The condition type is specifically listed as being included for cover in the policy terms and conditions; or
You have applied to the insurer to have a condition covered by your policy and they have confirmed in writing that it will be.

Is credit card travel insurance enough?

This comes down to the type of trip you’re undertaking and your personal situation (e.g. your health). The travel insurance that comes with a credit card is usually a standardised policy designed to apply to the large numbers of people with that credit card.

For that reason, the insurance covers common risks and situations but it’s not going to be a perfect fit for everyone.

It’s worth closely checking what is and isn’t covered and what limits apply if you need to make a claim, particularly if you are going on a non-standard trip or have complicated health needs. In some cases, the travel insurance your credit card offers may not be enough.

Sean Callery

Reviewed by.

Credit Cards Expert

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Compare credit cards.

When comparing different types of credit cards, it's helpful to look at them side by side. Compare Orange One Low Rate with Orange One Rewards Platinum. Which one is right for you?

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Orange One Low Rate is available as a Classic or Platinum card, depending on the approved credit limit If you apply for an Orange One Low Rate Credit Card and are approved for a credit limit of $6,000 or more, you will receive an Orange One Low Rate Platinum card with access to complimentary international travel insurance. Fees and charges are the same for both Orange One Low Rate Classic and Low Rate Platinum. "> Apply now

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Cashback rewards on your spend (up to $30 a month), complimentary international travel insurance, manage your big purchases using instalments, automatic repayments from eligible ing accounts, mobile payments with apple pay and google pay, setup notifications to manage your spending limits, rates and fees, interest rates, interest free period, late payment fee, over limit fee, additional cardholder, replacement card (in australia or overseas), emergency replacement card, voucher request, cash advance fee, international transaction fee (payable to us), international atm withdrawal, australian atm fee rebate offer, ing international atm fee rebate offer, international transaction fee rebate offer, rebate offers for ing home loan customers, limits and repayments, minimum credit limit important information for credit limits if you apply for an orange one low rate credit card and are approved for a credit limit of $6,000 or more, you will receive an orange one low rate platinum card with access to complimentary international travel insurance. fees and charges are the same for both orange one low rate classic and low rate platinum. " data-original-title="ing orange one travel insurance" title="ing orange one travel insurance">, maximum credit limit important information for credit limits if you apply for an orange one low rate credit card and are approved for a credit limit of $6,000 or more, you will receive an orange one low rate platinum card with access to complimentary international travel insurance. fees and charges are the same for both orange one low rate classic and low rate platinum. " data-original-title="ing orange one travel insurance" title="ing orange one travel insurance">, cash advances, purchases using visa paywave without a pin, eligibility need-to-knows, to be eligible to apply, you must.

- Be aged 18+

- Earn $36,000 or more a year

- Be an Australian citizen, New Zealand or Australian permanent resident

- Have and maintain an Australian residential address

- Have a good credit rating and meet our credit lending guidelines

- Either Hold an active Orange Everyday bank account, or request to open one along with your Orange One Low Rate

- Have PAYG payslips

- Either Hold an active Orange Everyday bank account, or request to open one along with your Orange One Rewards Platinum

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Give international transaction fees a miss

International transaction fees are typically charged you when you make an online or in person transaction in a foreign currency.

If you want your money to go further when shopping or travelling OS, it helps to be smart about the way you pay.

For instance, with an Orange Everyday , you pay no international transactions fees on in store or online overseas purchases and could get up to 5 rebated ATM withdrawals a month – even in the previous month. See terms and conditions applying to the offer.

Set up a digital wallet

You might also consider losing the wallet so you don’t, well, lose your wallet and hard-earned cash on your travels.

Adding your cards to your mobile wallet on your eligible smartphone or smart watch could be an *ahem* smart, safe and widely accepted way to shop overseas.

The earlier you book the better

When it comes to booking travel, prices are mostly affected by demand. The earlier you book usually means the better price you may get and three months out is a good rule of thumb.

Also, stay ahead of price hikes by clearing your web browser cookies when looking for flights online. Some sites track your searches and can increase prices if they see you’re interested.

Make the most of great deals

The travel industry is very competitive, which is good news for you because it means there’s a whole world of deals out there for the taking. You just need to look around.

Better still, if you have a Visa card like ING’s Orange Everyday debit card or Orange One credit card, you don’t have to look far.

Simply check out the Visa Offers + Perks page and see what’s discounts are available on accommodation, car hire and more. Terms and conditions apply.

The information is current as at publication. 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. You should consider the relevant Terms and Conditions, Fees and Limits Schedule, Benefits Schedule available at ing.com.au when deciding whether to acquire, or to continue to hold, a product.

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Do you ING?

ING is a financial provider that prides itself on having reinvented the way Australians bank, by delivering simple, straightforward products with great value. Offering simplicity in its approach, ING says it’s this simplicity – and a clear focus on its customers – that has led this award-winning bank towards success.

About ING Direct

With everyday banking and savings accounts, credit cards, home loans, insurance and superannuation products, ING definitely has a lot to offer. In fact, ING has been voted Australia’s most recommended bank. As the icing on top, ING has earned a glittering array of industry awards over the past few years for its customer-focused products.

But, is ING right for you? Since we live and breathe credit cards, we're interested in what they're offering you: what kind of cards, who they work best for, and what to think about before you apply.

Unlike the Big Banks – like Westpac, ANZ, CommBank and NAB – ING doesn’t have a huge range of credit cards to offer. Those big banks tend to have multiple offerings in rewards cards, platinum cards and low rate, low fee cards, which can be a good thing – and it can be a bad thing. Comparing credit cards isn’t always easy, especially when there’s so many options to choose from.

With ING, the choice is more limited. You can either choose the low rate, no annual fee option in the ING Orange One Credit Card, or you can choose the cashback-earning platinum option in the ING Orange One Platinum Card. While you may not feel bowled over by the wide selection, if you look closer, you may just find everything you need in one of these punchy little cards.

Low Rate Cards

What is a low rate credit card exactly? They offer a low interest rate on purchases, and typically, a low rate on cash advances too. The ING Orange One Credit Card fits well within this category of low rate credit cards.

Helping to save cardholders on the interest they pay out, low rate cards can be a great money-saving option. However, it's worth pointing out that low rate cards tend to be low on extravagant features, especially when that low rate is teamed with a low annual fee.

Why is that? Credit card providers need to make money back on their credit cards. If they offer big features and rewards, they need to know they’re not losing money on providing those expensive extras. That’s why you'll usually find big feature platinum cards and rewards cards typically come with a higher rate of interest, a higher annual fee, or both.

However, that’s not to say the ING Orange One Credit Card doesn’t have plenty to offer. One of the most appealing aspects of this card – aside from its low rate of interest and no annual fee – is the feature that allows cardholders to make instalments on large purchases. While you should check the fine print for details, this feature basically allows you to use instalments to pay off large purchases over set terms of your choice, on a lower interest rate.

Why should you choose this type of card?

Is a low rate credit card right for you? Offering the potential to save heaps in interest, a low rate card is the ideal option for anyone who wants a money-saving card. If you tend to carry a balance on your credit card month to month, this type of card could help you save on the interest you pay out. And with that monthly instalment feature, you could save even more.

This type of card could be good if you're new to credit cards. With limited features and a low interest rate, you can get familiar with how credit works before you step into the world of more complicated cards, like rewards cards and platinum cards.

This type of card can also work for anyone who just wants a simple credit card in their wallet. There are no fancy features to pay for that you won’t use, and no rewards programs to get your head around. This is a card that gives you access to credit, with no added frills to pay for.

No Annual Fee Cards

Just as you would expect, a no annual fee card is a card that charges no annual fee. Unlike many other cards on the market that charge an annual fee for their use, this card can be kept in your wallet for free. Well, it will be free as long as you avoid all other applicable fees and pay off your balance before it starts accruing interest. But that’s just a smart way to deal with any type of card.

When we talk about ING's no annual fee cards, we're talking about the ING Orange One Credit Card (we did say their offering was small!). However, as a no annual fee card, the ING Orange One Credit Card is as appealing as a low rate option in its money-saving capabilities.

Similar to low rate cards, low fee and no annual fee cards tend to have fewer features than their more expensive cousins, platinum and rewards cards. But, they do offer access to credit, typically throwing a few handy features into the bargain. The ING Orange One Credit Card, for example, offers mobile payments for ease of use, as well as automatic repayments and notifications to allow cardholders to keep on top of their account.

Most people who opt for a no annual fee card do so to save money. This may be because they actually need to save money, or it may be because they don’t see the point paying annual fees for a credit card when you really don’t have to.

Sure, no annual fee cards tend to be low on fancy features, but if you don’t need those features, there’s no point paying for them. The same goes for rewards programs. With a no annual fee card, you don’t pay for things you don’t need or don’t use.

A no annual fee credit card can also work well for people who want to keep a credit card for emergencies. These are the folks who generally don’t use credit day to day, but who see the advantage of having a credit card in case they happen to need it. A no annual fee card is perfect in these situations, as it typically won't cost money if it's not being used to carry a balance.

Platinum Cards

Platinum cards offer extra perks and features, similar to gold cards and black cards (they also come with a hint of prestige). In the hierarchy of premium cards, black cards are king, followed by platinum and then gold.

Platinum cards can provide any number of perks, from a platinum rewards program to the services of a Platinum Concierge. Other common platinum features include VIP airport lounge access, complimentary insurance cover on travel and purchases, and access to acclaimed travel and retail memberships.

In terms of ING’s cards, the ING Orange One Platinum Card isn’t exactly bursting with platinum features, but it does have a few nifty perks. Similar to the ING Orange One Credit Card, the ING Orange One Platinum Card allows you to pay off large purchases in pre-set instalments at a lower rate of interest.

Another very appealing feature is its ability to earn cashback on purchases. In broad terms, this allows cardholders to earn 1% cashback on eligible purchases made on the card, up to $30 per month. With the potential to earn up to $360 back on purchases each year, this card could provide a great way to save money. Complimentary travel insurance is also up for grabs.

Most people apply for platinum credit cards because they want the extra features on offer. Whether that’s a rewards program or handy extras, those features can offer something extra to cardholders who want to make the most out of their credit card spending.

However, there is a right way and a wrong way to choose a platinum credit card. There’s no point choosing a card for its extras or its rewards if you’re not going to use them, especially when you're paying a premium for them. Instead, you should choose a card that offers features that benefit you, and the spending you do most.

Most importantly, you should choose a card that gives you more value in those features than you pay out in annual fees. It’s also worth noting that if you carry a balance each month, you may pay out more in interest than you get back in features. If that’s the case, a low rate card may be a better option.

What do you need to know about ING?

When it comes to banking, most people like to know a bit about their financial provider. So, what is there to know about ING?

ING is part of the world’s leading bank, and is wholly owned by the ING Group. In its resume, it has over $12 billion paid in savings interest, more than $1 billion invested through Living Super, it has financed more than 475,000 home loans, and has 1.5 million customers and counting.

Their customers seem to be pretty happy with what’s on offer too. ING was declared Australia’s most recommended bank in a 2017 Nielsen poll, when compared by customers of 15 other banks operating in Australia.

Offering simple, straightforward and good value products, ING states it has tackled ATM fees on everyday transactions, while offering simple super solutions for all stages of life, home loans with no ongoing, annual or monthly fees, and savings accounts with no ING fees.

ING is headquartered in Sydney, and has 24/7 Australia-based customer care in Tuggerah. It has held an Australian banking licence since 1999, and like all banks, is regulated by the Australian Prudential Regulation Authority (APRA). This means it offers combined savings balances of up to $250,000 per customer, which are guaranteed by the Australian Government.

ING Credit Cards - Frequently Asked Questions

Who is eligible for ing credit cards.

You need to either hold an active Orange Everyday, or request to open one along with your Orange One Credit Card
Be over 18+
Living in Australia as an Australian citizen or permanent resident
You earn $36,000 or more per year and have PAYG payslips

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• The annual fee is charged in the first month. • You only pay the minimum monthly payment of your overall balance each month. • You do not spend or withdraw cash on the card until the balance transfer period ends or is paid in full. • All other fees and charges that may apply are excluded. When there is no interest savings or a negative interest saving after the introductory period, the calculator will display $0.'> Filter your savings

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ABN: 76 646 638 146
ACR: 528318
AFCA: 80717

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Jump in with your new ING card

Got a shiny new Orange One Low Rate Platinum credit card in your hot little hand? Good news is, it’ll only take a minute to get it going. Here are some easy steps to help you set up your new Orange One card. Before you get started, you’ll need the latest ING app.

Choose one of the below

REVIEW: ING Orange Everyday – The Best Travel Card For Aussies? (Inc $50 Promo Code!)

Looking for the best travel card for Australians? After a year of bouncing around the world with my ING Orange account here’s my full review…

Picking the right travel card can make the difference between an easy, relaxing holiday and a financial nightmare – and finding a bank account that doesn’t totally take the p*ss with fees once you leave the country is a bit of a minefield, especially in Australia.

Having struggled with really bad exchange rates, fees and a clunky app whilst banking with Commonwealth I decided I needed to make a big change and did some solid research into the best Australian bank for travelling abroad.

And that’s how I came across the ING Orange Everyday Account…

REVIEW: ING Orange Everyday – The Best Travel Card For Aussies?

Aussie travel cards – not a lot of choice.

Unlike the UK – which has heaps of new ‘disruptor banks’ like Starling (who I use for my UK accounts) and Monzo which both offer awesome deals on fees and withdrawals abroad – Australia seems a LOT more limited for options.

The big banks like Commonwealth (who I also bank with in Australia) and ANZ both fell flat on their face for travel cards, especially for those heading out on a long term trip and more importantly bouncing through a a lot of currencies along the way.

After a heap of Googling and chatting to my Aussie buddies it seemed the ING Orange Everyday account is leading the way for Aussies travelling the world and is also epic as a day to day card in Australia too!

First off, setting up my account with ING was a breeze.

A simple online form that took less than 15 minutes to fill out and have my account approved (as long as you have your ID and stuff to hand!), and I did it all without having to step foot into a bank, super easy!

You physical debit card will then arrive within 2-5 working days and you’re good to go!

Download The App

best travel card Australia ing orange everyday review travelling budget

As you’d expect from a banking app you can easily keep track of your transactions and easily make payments etc.

From a travel perspective you can also easily see your payments/ATM withdrawals in both local and AUD too.

Another handy travel feature is the “rebates’ tab – which gives you an instant overview of how much you’ve saved on both card and ATM withdrawal rebates – not essential but it’s good to see in hard $ how much the travel card is worth the money!

As an example, my recent tint in Bali I racked up over $140 worth of rebates – so it’s well worth it.

Notifications

The other huge advantage of the app is enabling notifications on your phone/ Apple Watch – for everyday banking its super handy to keep up to date with your spending and income, but once you’re abroad it’s a really convenient way to keep an eye out for fraudulent transactions and card skimming.

So make sure you get push notifications enabled ASAP!

How To Go Fee Free Abroad

The ING travel card offers both free ATM withdrawals abroad as well as great exchange rates and fee free on card transactions abroad too.

However, unlike Starling Bank in the UK , the ING Orange Everyday account has a few conditions to be able to to go fee free abroad;

Make 5 transactions per month (completed, not pending)
Transfer in at least $1,000 from an external bank account

Doing the above in the current month unlocks the free transactions/rebates the next month.

…something I’ve overlooked a couple of times which has been a bit annoying!

Also if you’re worried about the $1,000 a month restriction, you can sneak your way around that as there are no conditions on where it comes from or how long it stays in your account – so in theory you can simply transfer it in, then straight back out!

Once you’ve ticked those off the list the next calendar month becomes fee free!

You can also quickly check in the app whether you’ve unlocked these features for the following month too and your first month is already activated so you can hit the road right away as well.

Along with removing fees abroad, the card also covers rebates on ATM withdrawals from within Australia too , which is super handy if you’re also using it as a day to day card in Oz as well.

Oh…and there’s no monthly fee for the account either as an added bonus!

Customer Service

I’d also like to point out how epic my experience with ING customer service has been too.

When I headed to the Mentawais I took a large chunk of cash out from an ATM in Padang, which was well out of line of my patterns of spending and previous geo location. I then got a notification on the app saying my card had been restricted.

Initially my thoughts we “oh great, I’m going to be on hold for hours sorting this” .

But actually the whole thing was quickly resolved – and they also helped me put through an online payment which required an extra code (due to the payment size) as I didn’t have access to my Aussie SIM at the time either.

I also got my card skimmed at an ATM in Bali (yaaaaay!) and the ING team were super helpful with getting this resolved and refunded into my account as well – with an email update once it was all sorted.

So yeah, kudos to that and this has given me even more faith in them!

Want to sign up and earn $50 as well? Well use the promo code GYT174 when you setup your account!

Please note, this offer runs quite often, but not all the time, it’ll tell you during sign up though.

Go to ing.com.au/everyday , open a new Orange Everyday and enter GYT174 in the promo box at the end of the online form
Deposit $1,000+ (such as pay) from an external source into your new Orange Everyday account within a calendar month.
Open a Savings Maximiser and make a deposit into this account.
Make 5+ settled (not pending) purchases using your new Orange Everyday card within a calendar month.

Are you Aussie?

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COMMENTS

PDF Orange One Platinum Visa Credit Card
agents, your travel group leader if you travel in a group, your bank (ING) if you are the beneficiary of the bank's credit card insurances, insurance reference bureaux, and our related and group companies including Allianz. Some of these third parties may be located in other countries including in Europe, Asia, Canada, or the USA.
ING Orange One Platinum Credit Card
If you're approved for a credit limit of $6,000 or more, you'll get access to complimentary international travel insurance through your ING Orange One Rewards Platinum Card.
ING Australia Orange One Low travel credit card
The ING Orange One Low Rate credit card is the low rate card option of the Orange One credit card range that offers customers no annual fee and low interest rates. ... they'll get an extra reward of complimentary international travel insurance attached with their card. Another pro is that the fees are the same for both the standard version ...
ING Orange One Low Rate credit card
Rates & fees. Interest rate. The Orange One Low Rate card charges a variable rate of 11.99% p.a. on purchases and cash advances. Interest-free days. Enjoy up to 45 days interest-free on purchases ...
PDF Why choose ING DIRECT? Orange One product sheet
Orange One is ING DIRECT's first credit card. We've made things clear and simple so you can stay ... Travel insurance If you are approved for a credit limit of $6,000 or more, receive complimentary international travel insurance when you spend over $500 on a single trip. Conditions apply - refer to travel insurance
ING Orange One Rewards Platinum Credit Card Review
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.
ING Orange One Rewards Platinum Credit Card
The ING Orange One Rewards 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 ...
ING Orange One Rewards Platinum Credit Card
Unlike other rewards cards where you earn points per dollar spent, with the ING Orange One Rewards Platinum Card, you earn 1% cashback on eligible purchases, up to $30 a month. It has one of the lower interest rates for rewards credit cards at 16.99%, and other perks like no international transaction fees and complimentary travel insurance.
ING Orange One Platinum
Annual Fee. $99. for 12 months then $124 thereafter. Australian Credit Licence 233714Fees & charges apply. Product info. Product data updated on 16 Mar 2024. Compare ING Orange One Platinum and other Credit Cards products at RateCity, Australia's leading comparison site.
Credit Cards
Orange One travel insurance terms & conditions. Orange One Low Rate Credit Card - Target Market Determination Orange One Rewards Platinum - Target Market Determination ... Deposit, savings and credit products (excluding the Complimentary International Travel Insurance) are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 ...
Best Credit Cards With Travel Insurance Comparison
ING Orange One Rewards Platinum. $149. 16.99% with up to 45 days interest-free. n/a. No. Allianz Australia Insurance Limited. Go to site. ... Complimentary travel insurance is one of the most common perks offered with credit cards, particularly the more premium rewards credit cards.
Compare Credit Cards
Orange One Low Rate customers approved for a credit limit of $6,000 or more will receive an Orange One Low Rate Platinum card with access to complimentary international travel insurance. Fees and charges are the same for both Orange One Low Rate Classic and Low Rate Platinum. Rebate Offers for Orange One Customers
By ING
4 tips to set you on the route to travel successAs interstate and overseas travel return to pre-pandemic levels, adventure's back on the cards. ... if you have a Visa card like ING's Orange Everyday debit card or Orange One credit card, ... ING Insurance is issued by Auto & General Insurance Company Limited (AGIC) ABN 42 111 586 353 AFSL ...
ING Orange One Low Rate Credit Card
The ING Orange One Low Rate credit card has no annual fee and a low 11.99% p.a. on purchases and cash advances. Eligible customers can earn a rebate on ING international transaction fees and ATM fees, and accounts with a credit limit higher than $6000 will be upgraded to a Platinum card with complimentary travel insurance.
ING Credit Cards
up to $36,000/day Glossary. $149 Glossary. 45 Glossary. Fees & charges apply, Australian Credit Licence 229823. ING | Orange One Low Rate Classic. Go to site. Features Glossary. Travel insurance. Points never expire.
ING Credit Card Reviews, Fees and Rates
They strive to deliver simple, straightforward and great-value products like their ING credit cards for their customers. 6 reviews for 2 cards listed. CreditCard.com.au as seen on. My transfer amount. 0 0 $5000. My interest rate. 0 0 19.49%.
Orange One Low Rate Platinum
Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823. ING is Australia's most recommended bank according to RFI Global's XPRT Survey, December 2022 - July 2023 (n = 31,805) when compared to customers of 20 other banks operating in Australia.
REVIEW: ING Orange Everyday
The ING travel card offers both free ATM withdrawals abroad as well as great exchange rates and fee free on card transactions abroad too. However, unlike Starling Bank in the UK, the ING Orange Everyday account has a few conditions to be able to to go fee free abroad; Make 5 transactions per month (completed, not pending)
ING Orange One reviews
Compare best Credit Cards. ING Orange One (No Annual Fee Credit Card): 2.6 out of 5 stars from 38 genuine reviews on Australia's largest opinion site ProductReview.com.au.