If your -total- purchase amount goes -above- the "Wave & Save" max of $99, what to do?
At OfficeWorks' & -most- other vendors' Wave & Pay points-of-sale (POS) terminals, you'd just pay by using your ING Direct [Visa debit] "Pay & Save" card -multiple- times (most times to make a $99 debit partial payment each, & [possibly] a last debit - under $99 - to pay the rest)
For example: OfficeWorks price-matched BingLee (earlier on, not now):
So, an ASUS VivoTab Smart could cost $362.xx at OW (at the time)
How to get 5% instant cash back from ING Direct on the entire $362.xx?
At OW, you'd just ask that your "Wave & Save" capable ING Direct Visa debit card be used 3 times to debit $ 99 each time (paying $ 297 of the $ 362.xx) -and- once more to debit $ 65.xx (paying the unpaid amount).
Of course, OW's POS terminals - like most others - are designed to -enable- staff to do as you've asked, just as thry would if someone needed to pay for a purchase using -several- [nearly-max'd-out] credit &/or debit cards.
Since each debit was $ 99 or less, ING Direct would pay you 5% of the -total- spent at OW… about $ 18
By contrast, AusPost's shops currently -refuse- to enable you to make Wave & Pay payments whenever the purchase amount is -above- $ 99, & this design-fault is -enforced- by AusPost's POS terminals.
Their Wave & Pay device gets -disabled- in such cases.
Now, let's wind back the scenario tape… and suppose AusPost was to be paid $ 362.xx for some goods or services:
If you're lucky, you can buy all those things in several -smaller- batches, ie, if enough items have prices below $ 99.
But you'll -lose- 5% from ING Direct of each & every item whose price is over $ 99, & for a school or business those losses can add-up quickly.
The -loss- of ING Direct's 5% refund occurs - at AusPost - whenever you buy an item costing -over- $ 99. (Eg, a $129 7" Pendo Pad, or a lot of their other computer products), but such losses can add, eg, for schools & lower paid individuals… & anyone else in a similar situation.
If it happens to you:
Let 'em know - in a polite, but slightly elevated voice that lets others in the shop hear - that you're not happy about losing the 5%, that your bank wants to pay you. :-/
Maybe complain to AusPost & request an eMail reply explaining why AusPost should accept an unduly -restrictive- POS - unlike most others' - that can (and, in fact, has) cost its cutomers 5% in lost refunds, at a time when money is hard enough to hold onto, in these uncertain times.
I trust you'd -know- what to say or write, when the time comes. ;-)
Since ING Direct are still encouraging people to sign-up for
- "Instant 5% cash back on your everyday purchases"
it's not toolate for AusPost's IT people - if they're quick - to fix the fault, & enable folks to start saving 5% even at AusPost shops.
The majority of retailers don't have Paywave, so if I have a purchase over $100 from Aus Post then I treat them like a non-Paywave business and just use my other rewards card. The promotion is only active until June 30 so not sure it's worth it. Australia Post has a lot more things it needs to fix before their dodgy EFTPOS terminals. E.G. Reviews of my local post office :)