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Credit cards fees

Orange One Low Rate
  • Annual fee
    $0
  • 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 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). 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 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). 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 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). Merchants may charge you a separate fee for their services (which is not rebated under this offer).
  • Find out more about Orange One
Orange One Rewards Platinum
  • 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 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). 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 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). 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 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). Merchants may charge you a separate fee for their services (which is not rebated under this offer).
  • Find out more about Orange One Platinum

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