When you’re looking to save money while online shopping, it helps to understand your own habits so you can be aware and prepared.
Knowing which online shopper you are is the first step to saving money on your next spree. So…which personality are you? Let’s find out!
How many times would you say you shop online per month?
How do you feel about being on mailing lists?
What do you do when you see an online sale pop up?
How many brands do you follow on Instagram?
Where do you usually buy gifts?
Some people get their items delivered to home, work, or a friend / relative’s place. How many of these places have you delivered to?
How often do you shop in person?
When do you buy items from overseas retailers?
There’s nothing wrong with treating yourself to a bit of a shopping spree every now and then. Just remember many banks can charge international transaction fees if you use your card to purchase from an overseas based online retailer.
Fortunately there’s a way around this. With ING Orange One and Orange Everyday cards you don’t have to pay ING international transaction fees on purchases. You get this benefit when you deposit your pay of $1,000+ into an Orange Everyday every month and also make five+ card purchases every month (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash-out only transactions).
If you find yourself buying on impulse a lot, don’t forget to stop and breathe, and have a think: there might be a place you can get a similar item, for less. Myshopping.com helps you compare prices of similar items from around the web, for instance.
If you find deals from sites outside of Australia, don’t forget there are no ING international transaction fees when you use an ING Orange Everyday or Orange One card, as long as you deposit $1,000+ into your Orange Everyday per month and make five or more card purchases per month (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash-out only transactions).
If you’re keen to save more, take advantage of the seasons to get the best discounts. Retailers may mark down some of their seasonal items and you can reap the benefits. For instance, a US retailer may start marking down their winter clothing in March as their winter ends, but for us it will be just approaching.
Understand how to avoid international transaction fees that can pop up after you purchase on an overseas site. With an ING Orange Everyday or Orange One card for instance there are no ING international transaction fees, which is a great save. To get this benefit you just need to deposit $1,000 + into your Orange Everyday per month and make five or more card purchases per month (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash-out only transactions).
If you need inspiration, check out some of these great international gift ideas to spruce up your shopping session for next time.
If you’re concerned about security, check the site for some key security signs, such as the URL starting with https://. To test your online security knowledge and find some handy new tips, you can check out our online security quiz.
There are also ways to avoid surprise fees popping up after online shopping at a store based overseas. With an ING Orange Everyday and Orange One card there are no ING international transaction fees, so there won’t be any unexpected costs. To avoid the fees you just need to deposit $1,000+ into your Orange Everyday per month and make five or more card purchases per month (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash-out only transactions).
Important information
International Transaction Fee Rebate Offer for Orange Everyday and Orange One customers
The International Transaction Fee Rebate Offer for Orange Everyday and Orange One Customers 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 ING account in your name (excluding Living Super and Orange One), and
– also make at least 5 card purchases 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 or Orange One Platinum Visa card or Nil Interest Visa card provided with an eligible ING home loan. Card purchases made in store or online this current calendar month which settle 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, under the offer ING will rebate the International Transaction fee (Orange Everyday) and Foreign Currency Conversion fee (Orange One) of 2.5% of the amount of the international transaction immediately after it is charged. If eligible, the offer applies to all accounts held in your name (either single or joint account for Orange Everyday, and also applies in respect of any additional cardholder for Orange One). Merchants may charge you a separate fee for their services (which is not rebated under this offer. This offer may be changed or withdrawn at any time at ING’s sole discretion. The ING cash advance fee for Orange One customers is not rebated under this offer.
The information is current as at publication. 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. Deposit products, savings products, credit card and home loan products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823. ING Living Super (which is part of the ING Superannuation Fund ABN 13 355 603 448) is issued by Diversa Trustees Limited ABN 49 006 421 638, AFSL 235153 RSE L0000635. The insurance cover offered by ING Living Super is provided by Metlife Insurance Limited ABN 75 004 274 882, AFSL 238096. ING Insurance is issued by Auto & General Insurance Company Limited (AGIC) ABN 42 111 586 353 AFSL Licence No 285571 as insurer. It is distributed by Auto & General Services Pty Ltd (AGS) ABN 61 003 617 909 AFSL 241411 and by ING as an Authorised Representative AR 1247634 of AGS. All applications for credit are subject to ING's credit approval criteria, and fees and charges apply. You should consider the relevant Product Disclosure Statement, Terms and Conditions, Fees and Limits Schedule, Financial Services Guide, Key Facts Sheet and Credit Guide available at ing.com.au when deciding whether to acquire, or to continue to hold, a product. Before interacting with us via our social media platforms, please take a minute to familiarise yourself with our Social Media User Terms https://www.ing.com.au/pdf/Social_Media_User_Terms.pdf.