Important Information

Product Issuers

Deposit, savings and credit products (excluding the Complimentary International Travel Insurance) are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823, Australian Credit Licence 229823.

AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 of 74 High Street, Toowong QLD 4066 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 of 2 Market Street, Sydney NSW2000 has issued an insurance group policy to ING Bank (Australia) Limited ABN 24 000 893 292 AFSL and Australian credit licence 229823 (ING) of 60 Margaret Street, Sydney, NSW 2000 which allows eligible ING cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions of the group policy are set out in the Complimentary Insurance Terms and Conditions which may be amended from time to time. Excesses may apply. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. ING does not guarantee this insurance.

Apple, the Apple App Store, iPhone, Siri and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Android, Google Pay and Google Play are registered trademarks of Google LLC. You should consider the Apple Pay Terms and Conditions and the Google Pay Visa Debit and Credit Card Terms and Conditions for ING customers when setting up mobile payments on your eligible device.

Credit Cards

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.

All applications are subject to ING's eligibility and credit assessment criteria. 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 ing.com.au. To view these documents you may need Adobe Acrobat.

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.

1% cashback

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 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. 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. 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.

We may vary any of these terms and conditions or withdraw this cashback offer at any time.

Instalment Plans in the Credit Cards

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 133 464 and see the Terms and Conditions.

Rebate Offers for Orange One Customers

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.

When determining if you are eligible under the offer, we also take into account the behaviour of any of your joint account holders or additional cardholders.

If eligible:

- for ATMs in Australia – any ATM fee charged by the ATM operator is rebated immediately following the transaction,

- for ATMs outside Australia - ING will rebate the International ATM withdrawal fee of $2.50 immediately after it is charged and rebate any ATM fee charged by the ATM operator at settlement of the transaction. While the transaction is pending the amount of the acquirer fee will be deducted from your available balance and will be reinstated after the transaction is finalised. ATM transactions outside Australia can take up to 5 business days to finalise, and

- for ING international transaction fees – ING will rebate the Foreign Currency Conversion Fee of 2.5% of the amount of the international transaction immediately after it is charged. Merchants may charge you a separate fee for their services (which is not rebated under this offer).

If eligible, the offer applies to all accounts held in your name (including in respect of any additional cardholder).

The ING cash advance fee is not rebated under this offer.

This offer may be changed or withdrawn at any time at ING's sole discretion.