Orange One Low Rate Orange One Rewards Platinum

Interest rates Purchases 11.99% p.a. variable Instalments 9.99% p.a. variable Cash advances 11.99% p.a. variable Purchases 16.99% p.a. variable Instalments 9.99% p.a. variable Cash advances 16.99% p.a. variable

Interest free period Up to 45 days interest free Up to 45 days interest free

Annual Fee $0 $149

Late payment fee $20 $20

Over limit fee $0 $0

Additional cardholder $10/year per additional card $10/year per additional card

Dishonours $0 $0

Replacement card (in Australia or overseas) $0 $0

Emergency replacement card $0 $0

Voucher request $10 $10

Cash advance fee The greater of $3 or 3% of the cash advance amount. The greater of $3 or 3% of the cash advance amount.

Foreign currency conversion fee (payable to us) 2.5% of transaction amount for all transactions in a foreign currency; and

for all transactions in Australian dollars or a foreign currency, where:

the merchant or financial institution accepting the card is located outside of Australia; or

the entity processing the transaction is located outside of Australia. 2.5% of transaction amount for all transactions in a foreign currency; and

for all transactions in Australian dollars or a foreign currency, where:

the merchant or financial institution accepting the card is located outside of Australia; or

the entity processing the transaction is located outside of Australia.

International ATM withdrawal $2.50 $2.50

Australian ATM fee rebate 100% of ATM fee 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 using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions). The ING cash advance fee is not rebated under this offer. 100% of ATM fee 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 using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions). The ING cash advance fee is not rebated under this offer.

Australian ATM fee rebate for ING home loan customers 100% of ATM fee Offer applies for ATM transactions in Australia where you or your additional card holder has an ING home loan. The ING cash advance fee is not rebated under this offer. 100% of ATM fee Offer applies for ATM transactions in Australia where you or your additional card holder has an ING home loan. The ING cash advance fee is not rebated under this offer.

International ATM fee rebate 100% of ING International ATM withdrawal fees and 100% of ATM fees when eligibility criteria is met. 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 using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions). The ING cash advance fee is not rebated under this offer. 100% of ING International ATM withdrawal fees and 100% of ATM fees when eligibility criteria is met. 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 using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions). The ING cash advance fee is not rebated under this offer.