Q. regarding ING Orange Everyday Account (Paywave 5% back untill 30 June 13)

mangew on 23/02/2013 - 14:48
Last edited 23/02/2013 - 18:10

Have a couple quick question for those who already use the ING Orange Everyday Paywave Account.

My understanding of the account: it is a debit visa account and requires money deposited into account before I can actually use it? (Can it go into negative balance)?

My other major question relates to capitalizing on the 5% cashback on purchases <$100….
The T&C state "contactless" (paywave)

I have noticed on OZB people making purchases of >$100 with multiple payments but not exactly sure of their process at the checkout. Hence I am keen on how this works specifically. Even though states "use contactless i.e paywave", does that rule out the use of convential EFTPOS-like "enter an amount I wish to pay then enter my PIN" ????

Financial

Related Stores

ING
ING

Comments

  • retiredfeline on 23/02/2013 - 14:59

    Yes you're using your own money so you need to deposit first.

    For purchases over $100 get the cashier to split the purchases. Or use it as a normal card and forego the rebate.

  • c64 on 23/02/2013 - 16:33

    only 4 more months left! arrrrggh! panic panic!

    • mangew on 23/02/2013 - 18:20

      Indeed it is, wish I got my act together earlier :(

  • mrhorseham on 23/02/2013 - 18:02
    +1

    For >$100 yes ask to split to $99.99 increments. I did this at a supercheap auto for a $350 item, except i was only able to do contactless 3 times, as after that their system didnt allow for more, and the remainder had to be cash, so be careful on expensive items when it would be a few payments.

    • c64 on 23/02/2013 - 20:03

      still $15 saved

      i imagine savings or pin/signature credit would still work when paywave has been declined

  • mangew on 23/02/2013 - 18:18

    Thanks for the above responses!
    It is becoming clearer now, however seems that increment splitting of purchase price is only possible manually by the checkout staff?

    Because I was thinking of using this at the self-checkout at Woolworths / Kmart & the like, but not sure if you can split payments with paywave at self checkout ?

    Also could I make a purchase online using the debit visa feature and still able to get 5% back on purchases <$100 or does it HAVE to be 'contactless' paywave ?

    • retiredfeline on 23/02/2013 - 18:28

      You can checkout < $100 of goods, pay for that, and repeat until everything is paid for. Of course if an item is >= $100 you need staff assistance provided they are willing to split payment.

      Rebate is only for using Paywave.

    • dieselraw on 23/02/2013 - 22:19
      +1

      There is the split payments option via woollies/Coles self service, I do it all the time with gift cards/cc payments etc.

  • sraymond on 23/02/2013 - 19:47

    You can purchase $90 gift cards and get the 5% that way.

  • upupandaway on 24/02/2013 - 07:42

    I purchase gift cards so when it goes over $99.99 I use the gift card and balance on the wave card. Recently purchased a phone at JB, 2 x $90 gift cards and $70 on card. Saved $12.50.

Login or Join to leave a comment
Login Join