Using your card internationally

Using your ING card overseas

Can I use my card overseas?

Yes, you can use your Orange Everyday or Orange One card anywhere worldwide where Visa is accepted.

Are there any rebates available?

Yes, if you meet the eligibility criteria (see below):

AccountInternational ATM rebatesInternational Transaction fee rebates
Orange Everyday

First 5 ING ATM Withdrawal fees

(ING will rebate up to 5 eligible fee incurring ATM withdrawal transactions made on the account in that month, whether domestic or international. fees charged. International ATM operator fees won’t be rebated)

Unlimited

(Merchants may charge a separate fee for their services which is not rebated under this offer)

Orange One

Unlimited ING international ATM Withdrawal fees

(Fees charged by international ATM operators and cash advance fees won’t be rebated)

Eligibility Criteria

To wave goodbye to ING international transaction fees and ATM rebates, simply:

  • deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One), and
  • make 5 or more settled (not pending) eligible card purchases using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).

The benefits will apply for the next month when you meet the eligibility criteria during the current month.

If you hold an ING Home Loan, you’ll automatically be eligible for these benefits, and you won’t need to meet the eligibility requirements set out above.

Complimentary travel insurance

Orange One Platinum card holders can also get complimentary travel insurance. Refer to travel insurance terms & conditions.

Keep us in the loop via the ING App

Letting us know about your international travel helps us monitor your card for suspicious activity and may help prevent any unnecessary blocks on overseas transactions.

You can do this in the ING App:

  1. Log in to your ING App and tap the navigation menu > Settings

     

  2. Select Use card overseas

     

  3. Select your departure date, your return date, and your travel destinations
  4. And tap SEND NOTIFICATION

     

Note: The travel alert is active for a maximum of 30 days from the day you submit it (not the departure date). It’s a good idea to set this up just before you leave if you’re going for an extended stay. If you’re still overseas 30 days from submitting a travel alert, remember to submit a new one in the ING App to cover the next 30 days.

Orange Everyday Benefits for Orange Everyday Customers

Orange Everyday Benefits will apply for the next month when you meet the following eligibility criteria during the current month:

  • deposit at least $1,000 from an external source 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).

Orange Everyday customers who hold an ING Home Loan are automatically eligible for Orange Everyday Benefits, and are not required to meet this monthly criteria.

Each month that you’re eligible for the Orange Everyday Benefits, you’ll receive the following on your Orange Everyday accounts:

  • 1% cashback on eligible utility bill payments (up to $100 per financial year);
  • Unlimited rebates on the ING International Transaction Fee; and
  • Rebates on ATM withdrawal fees for the first 5 fee incurring ATM withdrawals (excludes international ATM operator fees).

An eligible utility bill payment is a payment made by BPAY, PayTo or direct debit (BSB and account number) from your Orange Everyday account for a water, gas or electricity bill from an agreed supplier for the Australian residential address of the account holder.

For full terms and conditions, see the Orange Everyday Terms and Conditions, the Everyday Banking Fees and Limits ScheduleOrange Everyday Benefits Schedule and the agreed utility supplier list.

Subject to the Orange Everyday Terms and Conditions, we may change or cancel Orange Everyday Benefits at any time at our discretion.

Rebate Offers for Orange One Customers

The International Transaction Fee Rebate Offer, ING International ATM Fee Rebate Offer and Australian 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 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.

Orange One customers who hold an ING Home Loan are automatically eligible for the International Transaction Fee Rebate Offer, the International ATM Fee Rebate Offer and Australian ATM Fee Rebate Offer, and are not required to meet this monthly criteria.

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 ING International ATM withdrawal fee immediately after it is charged. ATM fees charged by international ATM operators will not be rebated. ATM transactions outside Australia can take up to 5 business days to finalise, and
  • for ING international transaction fees – ING will rebate the International Transaction 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 ING cash advance fee is not rebated under any of these offers.

ING can change or withdraw this offer at any time with notice.

Complimentary international travel insurance

AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to ING Bank (Australia) Limited ABN 24 000 893 292 AFSL and Australian credit licence 229823 (ING) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the ING card insurances is available to eligible ING cardholders and other eligible third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Terms, conditions, limits and exclusions apply. Any advice on insurance is general advice only and not based on any consideration of 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.

All applications are subject to ING’s eligibility and credit assessment criteria. Fees, charges and eligibility apply. See the product terms and conditions at ing.com.au.

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