ING Credit Cards

About ING

ING Bank (Australia) Limited is wholly owned by ING Group. It is headquartered in Sydney, has a contact centre in Wyong, NSW, and says it serves more than two million customers. It has held an Australian banking licence since 1994.

ING credit cards

Choose between Orange One Low Rate and Orange One Rewards Platinum. Both charge $0 ING international transaction fees. ING ATM withdrawal fees are also $0, although operator fees, cash advance fees and interest may apply.

Orange One Low Rate

The standard annual fee is $48. Purchases and cash advances attract a variable 12.99% p.a. rate. Classic limits are $1,000–$5,999; approved limits of $6,000–$30,000 receive Low Rate Platinum, with access to international travel insurance subject to policy eligibility and conditions.

Orange One Rewards Platinum

The standard annual fee is $149 and the variable purchase and cash advance rate is 16.99% p.a. Limits are $6,000–$30,000. Earn 1% cashback on eligible purchases, capped at $30 monthly per account. Eligible travellers can access complimentary international travel insurance for up to 40 consecutive days; policy conditions and exclusions apply.

Fees, instalments and interest-free days

Additional cards cost $10 each annually. Annual and additional cardholder fees are waived while you hold an Orange Advantage home loan. Both cards offer instalment plans for eligible amounts from $250, at a variable 9.99% p.a. rate, and up to 45 interest-free days on purchases when the entire revolving balance plus monthly instalments are repaid in the previous statement period.

Who can apply?

You must be at least 18, earn at least $36,000 annually before tax, have a good credit rating and meet ING’s lending guidelines. Australian citizens, New Zealand citizens and Australian permanent residents must have and maintain an Australian residential address. Hold an active Orange Everyday account or request one with the card application. Self-employed applicants are currently ineligible. ING will request supporting income documents.

Deposit protection

ING is regulated by APRA. The Financial Claims Scheme protects eligible Australian-dollar deposits up to $250,000 per account holder per authorised deposit-taking institution.

Check ING’s current product pages and documents before applying. Fees, rates, eligibility and insurance conditions may change.