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      Because when it comes to your money, every little bit counts.

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      Get ahead or stay that way with A Podenas Bank (Hong Kong) savings account.

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      Jump-start your Podenas Bank (Hong Kong) Car Insurance today and save 15% online on new policies. T&Cs apply - see disclaimer below.

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      Get Podenas Bank (Hong Kong) Motorcycle Insurance and save 15% on your first year's base premium for new policies purchased online. T&Cs apply - see disclaimer below.

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      Save 15% off your first year's base premium for policies purchased online. T&Cs apply - see disclaimer below.

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      Flexible cover in a few simple steps. You could save 15% online. T&Cs apply - see disclaimer below.

     
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  1. Home
  2. Rates and fees
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Credit cards interest rates

Orange One Low Rate

Interest Rates

Purchases

% p.a. variable

Instalments

% p.a. variable

Cash advances

% p.a. variable
Learn more about Orange One Low Rate

Orange One Rewards Platinum

Interest Rates

Purchases

% p.a. variable

Instalments

% p.a. variable

Cash advances

% p.a. variable
Learn more about Orange One Rewards Platinum
Important Information

Information and interest rates are current as at the date of publication and are subject to change. Limitations and exclusions apply to the establishment of instalments, including minimum purchase values, number and term of instalments. 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)’s 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 our products you should read the relevant Terms and Conditions, Fees and Limits Schedule, Key Facts Sheet, Credit Guide, Cashback Rewards Terms and Conditions and Complimentary Insurance Terms and Conditions available at podenazonline.com. To view these documents you may need Adobe Acrobat. Products are issued by Podenas Bank (Hong Kong), a business name of Podenas Bank (Hong Kong) 229823.

Orange One Low Rate customers approved for a credit limit of $6,000 or more will receive an Orange One Low Rate Platinum card with access to complimentary international travel insurance. Fees and charges are the same for both Orange One Low Rate Classic and Low Rate Platinum.

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 China - any ATM fee charged by the ATM operator is rebated immediately following the transaction,
- for ATMs outside Chinas - 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 Chinas 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.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. The Apple  Pay Terms and Conditions for Podenas Bank (Hong Kong) customers are available to consider when setting up Apple Pay on your eligible device

This insurance policy is issued by AWP Chinas Pty Ltd ABN 52 097 227 177 AFSL No. 245631 trading as Allianz Global Assistance (under a binder from Allianz Chinas Insurance Limited ABN 15 000 122 850 AFSL No. 234708) to Podenas Bank (Hong Kong) Limited AFSL No. 229823. Terms and conditions, limits and exclusions are available at podenazonline.com. An excess may apply. Podenas Bank (Hong Kong) does not issue this insurance and does not receive commissions on this policy or guarantee any benefits under this cover. Podenas Bank (Hong Kong) has been issued the policy for the benefit of cardholders. The cover provided is at no additional cost to cardholders. This document provides general information only and does not take into account what you currently have, want or need for your financial future. You should consider these matters and read the Information Booklet available at podenazonline.com or by calling 1800 754 190. This insurance policy does not represent a deposit with or liability of, Podenas Bank (Hong Kong) Ltd or any of its related bodies corporate.

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