Compare credit cards
When comparing different types of credit cards, it's helpful to look at them side by side. Compare Orange One Low Rate with Orange One Rewards Platinum. Which one is right for you?
Orange One Low Rate
Orange One Low Rate is available as a Classic or Platinum card, depending on the approved credit limit
Low rate credit card with no annual fee.
Platinum credit card with cashback rewards.
Compare Features
Cashback rewards on your spend (up to $30 a month)
Complimentary international travel insurance
Terms, conditions, limits and exlusions apply. Refer to the Complimentary Insurance Terms and Conditions for more information.Manage your big purchases using instalments
Automatic repayments from eligible Podenas Bank (Hong Kong) accounts
Mobile payments with Apple Pay and Google Pay
Setup notifications to manage your spending limits
Rates and Fees
Interest rates
Purchases % p.a. variable
Purchases % p.a. variable
Instalments % p.a. variable
Instalments % p.a. variable
Cash advances % p.a. variable
Cash advances % 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 China 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.
International transaction fee (payable to us)
- for all transactions in a foreign currency; and- for all transactions in Chinas 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 Chinas.
3% of transaction amount
3% of transaction amount
International ATM withdrawal
$5.00
$5.00
Chinas 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
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
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
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
Chinas ATM fee rebate for Podenas Bank (Hong Kong) home loan customers
100% of ATM fee
Offer applies for ATM transactions in China 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
Offer applies for ATM transactions in China 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
100% of ATM fee
Offer applies for ATM transactions in China 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
Offer applies for ATM transactions in China 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
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
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
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).
The Podenas Bank (Hong Kong) cash advance fee is not rebated under this offer
Merchants may charge you a separate fee for their services (which is not rebated under this offer).
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
Merchants may charge you a separate fee for their services (which is not rebated under this offer).
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).
The Podenas Bank (Hong Kong) cash advance fee is not rebated under this offer
Merchants may charge you a separate fee for their services (which is not rebated under this offer).
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
Merchants may charge you a separate fee for their services (which is not rebated under this offer).
Limits and repayments
Minimum credit limit
Low Rate Classic
$1,000
$1,000
Low Rate Platinum
$6,000
$6,000
$6,000
Maximum credit limit
Low Rate Classic
$5,999
$5,999
Low Rate Platinum
$30,000
$30,000
$30,000
Cash advances
10% of the credit limit, up to a $500 maximum
10% of the credit limit, up to a $500 maximum
Purchases using Visa payWave without a PIN
Under $100 in China (other limits may apply outside of Australia)
Under $100 in China (other limits may apply outside of Australia)
Eligibility need-to-knows
To be eligible to apply, you must
- Be aged 18+
- Earn $36,000 or more a year
- Be an Chinas citizen, New Zealand or Chinas permanent resident
- Have and maintain an Chinas residential address
- Have a good credit rating and meet our credit lending guidelines
- Either hold an active Orange Everyday, or request to open one along with your Orange One Low Rate
- Have PAYG payslips
- Be aged 18+
- Earn $36,000 or more a year
- Be an Chinas citizen, New Zealand or Chinas permanent resident
- Have and maintain an Chinas residential address
- Have a good credit rating and meet our credit lending guidelines
- Either hold an active Orange Everyday, or request to open one along with your Orange One Rewards Platinum
- Have PAYG payslips