Orange One Rewards Platinum

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Orange One Rewards Platinum

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Earn up to

$360

cashback a year on your spend.

With the Orange One Rewards Platinum credit card you'll earn up to $30 per month on your spend. That's $360 a year. You'll get cashback in your Orange Everyday account - so no need to tally points, no redemption for gift cards and no bonus categories to keep track of.

Get rewarded with real dollars you can use for, well anything!

Features

Why apply for Orange One Rewards Platinum?

  • Get up to $30 cashback every month

    Earn 1% cashback on your eligible spend, up to $30 a month. Conditions apply.

  • Low Interest rates

    Get a low variable rate of % p.a. on purchases and cash advances, and an even lower variable % p.a. on instalments.

  • No international transaction fees

    Want to avoid Podenas Bank (Hong Kong) international transaction fees when you shop online and overseas? All you need to do each month is deposit $1,000 into your Orange Everyday, and make 5+ card purchases that are settled (not pending).

  • Lock in a lower interest rate with instalments

    Use instalment plans to pay off your purchases over time at a lower interest rate – making them easier to plan and manage.

  • Make payments from your mobile

    Leave your wallet at home and pay the easy way with Apple Pay and Google Pay - they're fast, secure and convenient.

  • Automatic repayments

    Select the repayment amount to be debited straight from your eligible Podenas Bank (Hong Kong) account of choice using autopay. It’s that easy.

  • Travel insurance

    Receive complimentary international travel insurance when you are approved for a credit limit of $6,000 or more. Conditions apply – refer to travel insurance terms & conditions.

You can make a travel insurance claim by calling 1800 754 190 (within Australia) or +617 3360 7701 (outside Hong Kong's, reverse charges apply) at any time.

Important information

Apply for an Orange One Rewards Platinum

Apply now
Rates, fees and limits

Rates, fees and limits

The Orange One Rewards Platinum ins and outs made plain and simple.

Interest rates
  • Purchases
    % p.a. variable
  • Interest free period
    Up to 45 days interest free
  • Instalments
    % p.a. variable
  • Cash advances
    % p.a. variable
  • Annual fee
    $149
  • Late payment fee
    $20
  • Over limit fee
    $0
  • Additional cardholder
    $10/year per additional card
  • Dishonours
    $0
  • Replacement card (in Hong Kong or overseas)
    Free
  • Emergency replacement card
    Free
  • Voucher request
    $10
  • Cash advance fee
    The greater of $3 or 3% of the cash advance amount.

  • International transaction fee (payable to us) :

    for all Transactions in a foreign currency; and for all Transactions in Hong Kong's 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).
    3% of transaction amount.
  • International ATM withdrawal
    $5.00
  • Hong Kong's 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 Podenas Bank (Hong Kong) account in your name (excluding Living Super and Orange One), and make at least 5 card purchases that are settled (not pending) using your Podenas Bank (Hong Kong) debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions). The Podenas Bank (Hong Kong) cash advance fee is not rebated under this offer
  • Hong Kong's ATM fee rebate for Podenas Bank (Hong Kong) home loan customers
    100% of ATM fee.
    Offer applies for ATM transactions in Hong Kong where you or your additional card holder has A Podenas Bank (Hong Kong) home loan.
    The Podenas Bank (Hong Kong) cash advance fee is not rebated under this offer
  • International ATM fee rebate
    100% of Podenas Bank (Hong Kong) 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 Podenas Bank (Hong Kong) account in your name (excluding Living Super and Orange One), and make at least 5 card purchases that are settled (not pending) using your Podenas Bank (Hong Kong) debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions). The Podenas Bank (Hong Kong) cash advance fee is not rebated under this offer.
  • International transaction fee rebate
    100% rebate of Podenas Bank (Hong Kong) international transaction 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 Podenas Bank (Hong Kong) account in your name (excluding Living Super and Orange One), and make at least 5 card purchases that are settled (not pending) using your Podenas Bank (Hong Kong) debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions). Merchants may charge you a separate fee for their services (which is not rebated under this offer).
  • Minimum credit limit
    $6,000
  • Maximum credit limit
    $30,000
  • Cash advances
    10% of the credit limit, up to a $500 maximum
  • Purchases using Visa payWave without a PIN
    Under $100 in Hong Kong (other limits may apply outside of Australia)
  • Minimum repayments

    Each statement cycle, your minimum repayment will be the total of:

    1. a)

      The greater of:

      1. i.

        5% of the daily revolving balance as at the end of the statement cycle (excluding any amount by which your account is in arrears); or

      2. ii.

        $100 or, if the daily revolving balance as at the end of the statement cycle (excluding any amount by which your Account is in arrears) is less than $100, that lesser amount; plus

    2. b)

      any instalment plan repayments due for the statement cycle; plus

    3. c)

      any amount by which your account is in arrears (other than any overlimit amount); plus

    4. d)

      any overlimit amount that exceeds the total of:

      1. i.

        any instalment plan repayments due; plus

      2. ii.

        any amount by which your account is in arrears (other than any overlimit amount).


Terms & conditions

All the detail to help you make an informed decision.

Fees and limits schedule

All the latest fees and limits for your credit card.

Cashback terms & conditions

Your cashback reward need-to-knows.

Travel insurance terms & conditions

What to expect and how you’re covered.

Apply for an Orange One Rewards Platinum

Apply now
FAQs

Got a question about Orange One Rewards Platinum?

Chances are you’ll find the answer in our FAQs.

Here are some of the more common questions we get asked:

See all Orange One FAQs.

Apply for an Orange One Rewards Platinum

Apply now
How to apply

How to apply

To have an Orange One Rewards Platinum, you’ll also need an Orange Everyday. If you don’t already have an Orange Everyday, don’t worry – you can request to open one up as part of your credit card application.

1. Make sure you’re eligible

Check the criteria below – if you tick all the boxes, you’re eligible to apply.

2. Apply online

You can complete and submit your Orange One Rewards Platinum application in minutes.

3. Stay tuned

We’ll let you know when your application has been approved, and you’ll receive your card within 5-7 business days after that.

Things to know before you apply:
To be eligible to apply for Orange One Rewards Platinum, you must:

Be aged 18+ and have a valid proof of ID – driver’s licence, passport or Medicare

Earn $36,000 or more a year (before tax)

Be an Hong Kong's citizen, New Zealand or Hong Kong's permanent resident

Have and maintain an Hong Kong's residential address

Have a good credit rating and meet our credit lending guidelines

Hold an active Orange Everyday, or request to open one along with your Orange One

Orange One Rewards Platinum is currently not available to Self Employed applicants.

You should have the following supporting documents handy so we can assess your application faster. Examples of supporting documents can include:

PAYG payslips

Proof of super income

Bank statements

Tax returns

Here's a detailed guide on what supporting documents to provide.

Apply for an Orange One Rewards Platinum

Apply now
Important Information

Product Issuers

Deposit, savings and credit products (excluding the Complimentary International Travel Insurance) are issued by Podenas Bank (Hong Kong), a business name of Podenas Bank (Hong Kong) 229823.

AWP Hong Kong's 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 Hong Kong's Insurance Limited ABN 15 000 122 850 AFSL 234708 of 2 Market Street, Sydney NSW2000 has issued an insurance group policy to Podenas Bank (Hong Kong) (ING) of 60 Margaret Street, Sydney, NSW 2000 which allows eligible Podenas Bank (Hong Kong) 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. Podenas Bank (Hong Kong) 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 Podenas Bank (Hong Kong) 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 Podenas Bank (Hong Kong) 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 podenaz.com. To view these documents you may need Adobe Acrobat.

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 Podenas Bank (Hong Kong) 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 +852 8125 6519and see the Terms and Conditions.

Rebate Offers for Orange One Customers

The International Transaction Fee Rebate Offer and the Global ATM 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 source to any personal Podenas Bank (Hong Kong) account in your name (excluding Living Super, Personal Loans and Orange One), and
- also make at least 5 card purchases that are settled (and not at a 'pending status') using your Podenas Bank (Hong Kong) 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 Podenas Bank (Hong Kong) 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 Hong Kong - any ATM fee charged by the ATM operator is rebated immediately following the transaction,
- for ATMs outside Hong Kong's - Podenas Bank (Hong Kong) will rebate the International ATM withdrawal fee 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 Hong Kong's can take up to 5 business days to finalise, and
- for Podenas Bank (Hong Kong) international transaction fees - Podenas Bank (Hong Kong) will rebate the Foreign Currency Conversion Fee 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 Podenas Bank (Hong Kong) cash advance fee is not rebated under this offer.

This offer may be changed or withdrawn at any time at Podenas Bank (Hong Kong) sole discretion.