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ING Orange Everyday: Get 5% Back on Every Contactless Purchase under $100 until 30 June 2013 @ ING Direct

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ING Orange Everyday: Get 5% Back on Every Contactless Purchase under $100 until 30 June 2013 @ ING Direct
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mitochondReon on 03/10/2012 - 17:30 campaigns.ingdirect.com.au (6447 clicks)
Last edited 29/02/2020 - 11:04 by 3 other users

I just received this promotional letter on my mailbox and it seems that it's a good promotional offer from ING.

Things you should know:

The Wave and Save 5% rebate offer is available from 1 October 2012 to 30 June 2013 (“Offer Period”) to all existing Orange Everyday customers (including joint account holders) who request to update to a Visa payWave card and the first 30,000 new ING DIRECT Orange Everyday customers who activate their payWave enabled Visa Debit card during the Offer Period (“Eligible Customers”). The 5% rebate applies on all contactless purchases made by Eligible Customers during the Offer Period on purchase amounts of up to AUD $99.99. The 5% rebate will be made into the Orange Everyday account immediately after transaction settlement.

Call 133464 to get your payWave enabled Visa Debit Card.

Find out more at http://www.ingdirect.com.au/waveandsave

Referral Links

Referral: random (735)

Until 30/06/2025, referrer and referee will each receive $125 for opening new Orange Everyday & Saving Maximiser Accounts.

Referrer: Do not participate in the referral system if you do not have a current $125 referral code.

Referee: To qualify, you are required to deposit a minimum $1,000 from an external source into the new Orange Everyday account, deposit any amount into the a Savings Maximiser Account, and make at least 5 (settled) card transactions within any calendar month with the new Orange Everyday card.

Financial Bank Account Pay Wave Transaction Account

Related Stores

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closed Comments

        • matt_will_fix_it on 25/10/2012 - 09:33

          Wouldn't 2c it be rounded down to $0.00?

        • YadaYadaYada on 25/10/2012 - 09:57

          Or you could just buy multiples of smaller denominations instead!

        • retiredfeline on 25/10/2012 - 13:25

          Only if the original price ended in 2 or 7 cents. You can't go lopping off 2 cents off every price out there.

        • adhin on 25/10/2012 - 22:44

          I tried something similar at work (in retail).

          If you process a 2c transaction with a 5c payment the register then prompts 5c change owing to the customer.

    • matt_will_fix_it on 19/10/2012 - 09:45
      +1

      Aren't there also security concerns with signature? I mean… the "key" or "pin" is already right there on the back of the card for anyone to copy!

      • INFIDEL on 19/10/2012 - 09:59

        Yes, anyone could sign my signature - your complex analogue "PIN" - which is rarely checked anyway. And that is on the back of all Credit & Debit cards.
        The major security device is always you keeping the cards secure.

        The security code on the back is only for internet/telephone purchases. If your card is lost/stolen, it may be some time before those purchases are processed, so should be covered by VISA etc. Best idea - record that number somewhere & remove it from card (a knife blade works well).

        I lost my new ING card & wallet a week ago. I realised it was either on the bus home, or in the back seat of a car owned by a Russian I had met that day. I did not even know his name, but was meeting his blonde wife the next morning. I immediately moved all funds from the card to my Savings Maximiser. I had a think - and cancelled the card as it was out of my hands & compromised even if I got it back. Happy ending - the Russian drove all the way to the University on the other side of the city to return my wallet! (He told me he was just visiting his wife anyway!)

        • matt_will_fix_it on 19/10/2012 - 10:27

          No.. I mean with the actual signature on the card… not the CVV number.

          In reply to

          Are there security concerns with paywave? Purchases under $100 don't require a pin.

          eg… I go to the shops, buy something on my card and sign for it. The cashier uses that same signature to validate its me.

          I lose my card. A thief finds it. The thief has a copy of my signature on the back of the card. The thief then learns how to do my signature, goes to a shop and buys something. They know how to do the signature and can buy goods worth much more than $100.

          Therefore is the signature really any use on the card? Anyone that finds it can purchase stuff.

          I would say that paywave is more secure as it has limits on the $ amount that can be spent and the number of times paywave can be used in a certain time period.

        • retiredfeline on 19/10/2012 - 10:31

          I did not even know his name, but was meeting his blonde wife the next morning.

          So did you meet his blonde wife? :)

        • INFIDEL on 19/10/2012 - 10:33

          Re-read & understood your meaning of "pin" & added correction - you are right.
          (Gave you a '+' before your clarification) Made me think - thanks!
          Left my original comment, so people can consider security issue of always displaying CVV.

          Signature seems to lower security of card, now we have CHIP & PIN. A photo would be better - physically available on some cards! Otherwise could be stored on chip & displayed on terminal. A lot of the card system is archaic - there so manual paper based systems (using raised card code etc) can be used. But this feature can be used in emergency (eg power failure) or remote/overseas situations.

          Lots of reports in the past of males signing womens names, signatures that even a child could see did not match the one on the card, etc. Signatures on cards are almost never checked, or not in any detail. And signatures change. Try signing with a cast on your arm, or simply tired/drunk! Can't see thieves changing their appearance to match a photo of you only available on a trader's terminal. But the issuing bank says you must sign the card as soon as it arrives. When travelling the the UK in 2005, my sign only card was refused many times as not secure.

        • INFIDEL on 19/10/2012 - 10:34

          That's another story… yes.
          And my replacement card just arrived. Reported lost on Sunday, arrived in Brissie Friday.
          Now to sign it???

        • INFIDEL on 19/10/2012 - 11:38

          With my modified card I completely removed the signature area.

          The issuing bank says you must sign (otherwise someone else may add their signature) - I simply scratched away the signature box, through the "void!" layer (could have stopped there as a signature transaction should be refused) back to plastic - no chance of anyone adding their signature now. In (simple) security, if you do something novel - generally thieves find it all a bit difficult & move on. Especially when there is almost no money on the card until needed.

        • matt_will_fix_it on 19/10/2012 - 11:59

          I still think you're brave modifying the card…. Merchants have the right to refuse to accept your card…

          From http://www.commbank.com.au/business/merchant-services/other-…

          What you can do to minimise fraudulent transactions
          For card present transactions, never accept a card if:
          …
          the card or the signature has been visibly altered or tampered with
          the card is damaged.

          From http://www.nab.com.au/wps/wcm/connect/c880fe80491358c2a24cf3…

          for a point of sale transaction, obtain prior authorisation for any transaction on the
          transaction date where:
          …
          (iii) the nominated card signature panel (if any) is blank,

        • INFIDEL on 19/10/2012 - 14:06

          Thanks for your concern… but depends a lot on the trader.
          Those t&c issues deal with the use of signatures. They need to catch up!

          But having a purchase declined would not be the worst thing to happen in my life ;)
          (Even this was fun… Took legal action against a company over refusal to sell me a service - details in a recent post, and won a nice out of court settlement (confidentiality agreement signed), verbal & written apologies, & the company agreed to change its policies & retrain staff.)

          [ Interesting issue - ownership & control of cards etc you consider to be your property!!
          Brothers & Sisters of OB, reclaim your cards!!
          What are you allowed to do with them?
          My mod was sort of Financial body piercing. A Forum topic? LOL]

          Wouldn't use it at store with signature only purchases anyway - use is ONLY to get the 5% discount. You don't part with the card, so no one will see the signature side - it is against the PayWave reader. So talk about merchants checking your signature…

          This card is to be used exclusively in Woolies & Coles (probably just at the self-serve checkouts). So with the likes of Woolies & Coles checkout staff - (in general) thorough checking/ knowledge of merchant T&C/ refusal is not very likely. Not saying anything against the good workers, but they are probably not trained & paid enough to bother about an anomaly like my card!!

          Comm's "never accept a card if: … the card or the signature has been visibly altered or tampered with"
          or
          (iii) the nominated card signature panel (if any) is blank

          The issue there is anyone could ADD/ alter a signature. "signature panel (if any)" - in this case there isn't one & nowhere to ADD a signature! There is no signature. A novice would not even realise that the signature box has been removed (the removal has been covered to appear as if no signature box existed) - and they see so many variations of cards.

          This is PayWave not swipe & sign use!
          And Matt_will_fix_it, thanks for the challenge. Good to think of all the issues.

          We shall see. Any problems - just request a new card (I have 2 anyway). Roll on discounts!

        • INFIDEL on 19/10/2012 - 15:26

          ownership & control of cards etc you consider to be your property

          As usual, the financial institutions own these cards. I am awaiting my imminent arrest :)
          In Vietnam War protests in USA, people who burnt their Draft cards were arrested as the card was government property! (United States v. O'Brien, 391 U.S. 367 (1968))

        • joannatan on 19/10/2012 - 15:44

          jbhifi?

  • dubmark on 22/10/2012 - 10:29

    Has anyone tried this with getting cash back from Woolies or similar?

    • vipulrm on 22/10/2012 - 10:32
      +2

      Yup. I waved and paid at Woolies and have got my 5% :)

      • dubmark on 22/10/2012 - 22:54

        Sorry I meant has any only asked for cash back and got 5% back for that?
        If you have, that's amazing!

        • vipulrm on 22/10/2012 - 23:14

          Sorry, dubmark, I don't seem to get your question. What do you exactly mean by "asked for cash back"?

        • zukand on 23/10/2012 - 09:32

          think they meant cash out. You can't get cashout with paywave

  • King Tightarse on 22/10/2012 - 11:36

    Working great for me.
    $1 back for every $20 spent - loving it.

  • xoa on 22/10/2012 - 13:29
    +2

    Hi

    Thanks for this offer, it works well.

    I have a question, does anybody know if it'd be possible to cut out the chip of the ING Direct card and put it inside a mobile so that it can be used like a NFC device?

    I took some x-rays of my cards and it appears that the only metallic parts of the ING card is the chip itself, does anybody know if my idea would work?

    Here are the x-ray images:

    http://imageshack.us/a/img89/4470/cardswb.jpg

    • cooni on 22/10/2012 - 14:05

      Pretty sure it would work just fine, looks like the "antenna" is within the chip area (y)

      • xoa on 22/10/2012 - 15:27
        +1

        Thanks I will cut it out and try

    • INFIDEL on 22/10/2012 - 14:28

      Um… there is the antenna - otherwise Paywave won't be detected.
      So none in the ING? Very Interesting!

      See "Disable PAYPASS on your credit/debit card" http://www.youtube.com/watch?v=WFIrwDkQBqk

      • cooni on 22/10/2012 - 14:35

        The chip looks like it has spaced out wiring (to act as an antenna) within it's bounds compared to the larger contact pads of the cards with antenna in the rest of the card

    • INFIDEL on 22/10/2012 - 15:21

      I am learning… but by definition,
      "NFC builds upon RFID systems by allowing two-way communication between endpoints, where earlier systems such as contactless smart cards were one-way only." http://en.wikipedia.org/wiki/Near_field_communication
      This chip isn't a 2 way device, is it? Its a dumb 1 way RFID device.
      How will you use the device beyond paying your groceries - from inside your phone?
      Interesting.

      • xoa on 22/10/2012 - 15:26

        You are right, it will still only be able to pay for things as RFID.

        • mo danish on 24/10/2012 - 22:34

          Did you check if it works? I'm eager to do the same considering Google Wallet isn't coming to Australia any time soon.

      • cooni on 22/10/2012 - 15:28

        What he wants to do is the same as gluing the card to the back of a phone (case).
        Place phone to sensor and you've paid.

        Taking the chip out will reduce the bulk

        • INFIDEL on 22/10/2012 - 16:02

          My pocket has always complained about the bulk of 1 card! LOL

          Seems no issue, no one will know it is there, etc.

          But most phones I open have little room (if chip still in plastic substrate) & the RFID chip may be otherwise easily damaged. (Just report it lost & get a new card.)

          But OB people have posted in this deal that not having a signature on your card can mean refusal, let alone physically modding it. Now you want to get rid of the card!

          I have only removed parts of it (8 of 16 digit card number, signature box, & CVV code) & made a handy lanyard slot where half the card numbers were. Have also considered removing RFID & fitting it elsewhere (surgically implanted in finger tip?).

          Just thought you were suggesting something more adventurous than swapping 1 piece of plastic for another. :(

      • vipulrm on 22/10/2012 - 16:58

        It's a two-way communication in the sense that messages are exchanged back and forth between the chip and the reader; with the chip capable of declining the transaction or making the terminal send the transaction online for approval (which is the case with these Visa PayWave cards which ING issue).

        • INFIDEL on 22/10/2012 - 18:18

          That's not NFC two way communication!
          Its pretty well dumb 1 way communication - not NFC.
          By definition, two way communication must be able to be initiated by either device.

        • YadaYadaYada on 22/10/2012 - 23:13
          +1

          There are 2 varieties of NFC communications - passive and active. Passive is the case with this card - the reader is the only power source and when it makes contact with the reader, which will power the card when it makes contact, for a short moment to transfer the information across. The more powerful two way communication with NFC is active, whereby you have 2 powered devices which can transmit data to one another, like tapping 2 phones together and transferring a file across.

    • firedragon on 23/10/2012 - 11:51

      Lol! ruslanmizh, are you a radiographer?

  • King Tightarse on 22/10/2012 - 15:28

    Kind of clever to hide it elsewhere though - cut down and glued inside the back of your phone, is a good idea.
    Remember any junkie that gets hold of your card can go nuts @$100 a pop until you realize and cancel.

    Fun times for junkies, bet they love PayWave.

    • INFIDEL on 22/10/2012 - 16:06
      +1

      I instantly transfer the money over to the card from my Savings Maximiser (via ING App etc) only just before I need it. I don't like money not earning interest for me! (Sort of like the joke about the Scotsman opening his wallet & moths fly out.) The junkie will starve!

      • Cluster on 23/10/2012 - 14:12
        +1

        I see you do the exact same thing I do. Instant Savings Maximiser transfers. Good work :-)

  • King Tightarse on 23/10/2012 - 12:06

    Well anything that doesn't look like a PayWave card sounds like a good idea to me, seeing as how it can be repeatedly waved anywhere by the "finder".
    Even cutting it down and concealing it in some kind of keyring tag would be good.

    • zukand on 24/10/2012 - 12:56

      If you're doing it for practicality then great, but if it's a security thing, why bother. You're covered by Visa anyway. I've dealt with banks and stolen money before and never had any issues.

      • King Tightarse on 24/10/2012 - 23:42

        Yeah its no problem if people withdraw via internet purchases from only credit card details. My wife had a series of payments taken from her account in different countries over a 24 hour period which would have been physically impossible, and the bank returned it to us no probs but with EFTPOS terminals I am not so sure.
        How can I prove or disprove it wasn't me that bought the $99 worth of Winnie Blues and goon with a PayWave swipe?

  • zukand on 25/10/2012 - 06:47

    You just fill out a stat dec. the process isn't too hard.

    • King Tightarse on 25/10/2012 - 07:53

      And they can choose to believe or disbelieve you.

      I have been through this with the Mod: Foul Language at Westpac. Those assholes would not refund or even speak to me about a series of ATM withdrawals over a long weekend. I worked, and a series of withdrawals that I could not of and did not make went out of my account via ATMS. This was before we had a bank ombudsman.
      They kept saying "you took the money out with the ATM's with your card at this time and this date and THIS time on this date" - all in suburbs I never visit.They would not listen. Which is why I still consider Westpac lower than worm sh!t.

      This is my point. They may or may not believe you if a card is presented.

  • delfredo on 25/10/2012 - 09:16

    I used my debit card for the first time today and it got declined pretty quickly. The 2nd attempt was a success but took an unusually long time to validate (I would say 15 seconds). The screen showed "Sending Online" before I saw "Approved".

  • jo2055 on 25/10/2012 - 18:11

    Debit card worked fine in many places in Sydney,such as Coles,Woolworth,MackDonalds,several petrol station etc .
    I am transfering 200 dollars and replace after spending. Working OK for me.Extra $40-50 per week sounds fine.
    Combining petrol Coles vouchers with 5% - great deal !

  • delfredo on 26/10/2012 - 19:03

    Has anyone found that the contactless payment option is not always available at Woolworths self serve checkout even though the machine pad works? At the store that I go to, sometimes the option appears, sometimes it doesn't.

    • Cluster on 29/10/2012 - 20:16

      Yes, I have noticed that too. It's always available at one local SA Woolworth's store but not another. The other store is hit or miss whether it works. The terminal is brand new.

      • delfredo on 29/10/2012 - 21:51

        The funny thing is that the keypad screen says "try the new pay wave…" before you initiate payment. After scanning all the grocery items and selecting card payment type, the screen on the keypad says "insert or swipe card".

  • joannatan on 27/10/2012 - 02:42
    +3

    guys, just my tips, if you order dominos online, just pay at the store, i just find out their store got paywave terminal :)

  • cheapskate88 on 27/10/2012 - 16:15

    Do we get to keep the 5% cash back if we decide to get a refund later?

    • jackofspade on 27/10/2012 - 16:38

      Yes, the refund is simply a credit to your card. It is not a reversal of the original transaction.

      • joannatan on 28/10/2012 - 01:21
        -6

        have you try this mate? if this is true, I will go to coles/woolies tomorrow and and find what is their most expensive stuff and return it 2 days later. will be good for me.

        • mustkill on 29/10/2012 - 14:38
          +1

          A new low for ozbargain.

        • joannatan on 29/10/2012 - 20:37

          how low can you go?

  • INFIDEL on 28/10/2012 - 13:50
    +3

    Was in IGA (has PayPass) & woman in front of me paid by old swipe ING card (no 5% rebate), so asked if she knew about the deal. "Yes, but can't be bothered asking for a replacement card." Told her how easy & quick process is.
    Obviously not an OzBargainer!

    • retiredfeline on 29/10/2012 - 14:51
      +1

      Sad. All I had to do was call the number, confirm my details and they sent it out to me within a week.

      • matt_will_fix_it on 29/10/2012 - 14:57

        Maybe she doesn't have a phone?

        • INFIDEL on 29/10/2012 - 15:14
          +1

          Maybe a problem of being an 'affluent' area - 5% saving is not worth the hassle of making a free phone call.

  • Cluster on 29/10/2012 - 20:22

    I've had my card for about two and a half weeks and so far have saved $41 through using it. Brilliant. That's about $35 more than on my 0.5% cash back VISA (including interest saved by using interest free days to delay payment). No extra 'I'll buy this as I get cashback anyway' type purchases, just stuff I would have bought from the same shops anyway.

    My local Officeworks joined the PayWave club this week too.

  • joannatan on 30/10/2012 - 15:37

    ozlotto ticket at 7eleven, paypass as well:)

    • delfredo on 30/10/2012 - 21:56

      You can buy lotto there?

      • joannatan on 30/10/2012 - 22:25

        yup

        • T-man on 01/11/2012 - 18:07

          7-eleven got Payware but they don't sell lotto, GoldenCasket does. Where did you buy lotto?

        • INFIDEL on 01/11/2012 - 21:25

          Gambling products are controled by State governments, so products available in stores differ between States.

    • retiredfeline on 30/10/2012 - 22:00

      I save 95% by not buying Lotto. :)

      • delfredo on 30/10/2012 - 22:20

        That's 0% chance of winning.

        • joannatan on 30/10/2012 - 22:26

          not really 0, but it is very small hahha

        • retiredfeline on 30/10/2012 - 22:36

          You can probably "win" more by putting aside the money you would spend on a lottery ticket into a piggy bank and opening it after many years when you want a "surprise".

        • delfredo on 30/10/2012 - 22:49

          No. Absolutely no chance of winning if you did not buy lotto.
          Yes. Extremely small chance of winning if you did buy.

      • joannatan on 30/10/2012 - 22:26

        yup, it is prohibited by certain religion

  • delfredo on 31/10/2012 - 08:22

    I wish we could pay by paywave for train ticket.

    • cooni on 01/11/2012 - 09:16

      You can if you use a MyMulti… (if you're in Sydney)
      Woolies stocks some tickets (including the MyBus tickets I get)

      • delfredo on 02/11/2012 - 00:13

        I only buy MyTrain and can only get this at the station counter/ticketing machine that doesn't accept paywave. :(

    • T-man on 01/11/2012 - 18:09
      +1

      If you are in QLD and using Go Card, you can top-up money in 7-Eleven

      • INFIDEL on 01/11/2012 - 21:34

        5% off buses, trains, & ferries in SE Qld. Thanks tiam!

  • delfredo on 02/11/2012 - 09:08

    I was buying a $2 milk at Coles the other day and opted to do $200 cash out to get $0.50 instead of using paywave to get $0.10. However I realised that at the self-checkout machine you can only get maximum cash out of $100. So I had to settle with getting $0.10. I have done $200 cash out/withdrawal at Woolies self-checkout machine several times, often without buying anything. Coles does not allow cash out without purchase.

    • matt_will_fix_it on 02/11/2012 - 09:21

      Why not do this…?

      Buy $2 milk and get $0.10 back by paywave.
      Buy a single chilli (a few cents) and ask for $200 cash out. Get $0.50 back

      • retiredfeline on 02/11/2012 - 09:34

        Gotta love OzB'ers, they're people who will spend 10 minutes to save $0.60. :)

      • delfredo on 02/11/2012 - 12:03

        Yeah I could have done that but didn't want to join the long queue at the counter in Coles. I wanted to do self-checkout but couldn't cash out more than $100.

        I tried to do cash out at a Woolies counter once, without making a purchase. The lady asked how much I wanted and when she heard $200 she directed me to the self-checkout machine.

      • delfredo on 02/11/2012 - 12:04
        +1

        A 2L milk for $2 is great price. It's a bargain at $1.40.

  • maidingaling on 04/11/2012 - 09:44
  • HS10 on 06/11/2012 - 00:06

    Looking to purchase an iPad Mini.. This should work if i went to JBHIFI and purchase 3 x $99.99 Gift Cards in individual transactions right? or negative

    • INFIDEL on 06/11/2012 - 11:32

      If JB will sell you the $99.99 Gift Cards - why not? %5 off - sweet!

    • INFIDEL on 06/11/2012 - 14:39

      JB certainly will sell $99.99 gift cards (asked) & ING would have no issue. So so it.

      • matt_will_fix_it on 06/11/2012 - 14:40
        +3

        Or otherwise get 3 x 100 gift cards in individual transactions… ask to pay $99.98 on the card, and the rest in cash. The remaining 2c cash payment will be rounded down to 0.

        • HS10 on 06/11/2012 - 15:23

          Will i have to wait a certain period between each transaction since its from the same store?

        • vipulrm on 06/11/2012 - 15:55
          +3

          I have used the card back to back to make split payments at Woolies and didn't have any issues. My transactions were of different amounts. But I think that shouldn't matter. If you do make the purchase, let us know if you were successful. Thanks!

        • joannatan on 06/11/2012 - 21:08

          no mate, they don't have the time frame, here is how the system work
          on the checkout system will sent the invoice to the card reader terminal, if the card reader get the card then it matched the payment, you won't get double charge even you tap twice. so if you split the transaction, then the checkout will sent the request to the terminal and waiting for the payment to be match. very simple.

    • hamza23 on 06/11/2012 - 20:22
      +3

      I purchased something for $189.00 from JB, I asked them to put it through seperately as 2 transactions, 1 for $99.00 and one for $90.00 as my bank gives me a bonus for using pay wave, which they did hapilly and it worked.

      • HS10 on 06/11/2012 - 20:27

        Okay cool, thanks!

  • MeToo on 10/11/2012 - 11:10

    Not sure whether this has already been answered, but the Ing debit "visa" is paywave. I know it works for both paypass and paywave terminals.

    But say terminal is visa then it is going through visa system for transactions. So do you still get 5% if it goes through paypass which the backend is run by Mastercard.

    • vipulrm on 10/11/2012 - 11:54
      +2

      Well, PayPass/PayWave has nothing to do with the backend. These are propitiatory protocols that define how the contactless terminal communicates with the card to process the transaction. So, if a terminal accepts contactless visa it is (and had to be) a PayWave terminal and if it accepts contactless mastercard then it is (and has to be) a PayPass terminal. Now, AFAIK, all contactless terminals support both PayWave and PayPass, so this should be a problem.

      To answer your question, it doesn't matter what the backend is. As long as you did the transaction by tapping the card, you'll get your 5%.

  • craigoss on 12/11/2012 - 18:41
    +3

    Big thanks mitochondReon for posting this. This is the best deal I've taken advantage from on this site.

  • OzBrogains on 01/12/2012 - 14:55

    Used this at Teds to buy the $199 Pentax Q (2 transactions of $99 + $1) , which was also posted on Ozbargain. I'm a very happy pappy.

  • uccoffee on 11/12/2012 - 17:54
    -1

    I got caught by buying $100 giftcards… the paywave rebate max is 99.999999 :(
    I dont get rebate if I wave for $100 :(

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