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ING Orange One Low Rate Credit Card
ING Orange One Low Rate Credit Card

ING Credit Cards

ING Orange One Low Rate Credit Card

Updated 15 April 2024

It's all in the name: this is a card with genuinely low interest rates, no annual fee and up to 45 days interest-free to pay off your purchases. 🛍 The ING Orange Low Rate credit card also comes with a stellar instalment plan so you can pay off larger purchases at 9.99% p.a. for up to 7 years.

If eligible, you can save on ING international transaction fees when you're shopping overseas or online, or access complimentary international travel insurance.

Terms and conditions apply.

Purchase Rate (p.a)


Balance Transfer (p.a)


Annual Fee (p.a)



My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • No annual fee
  • Low interest rate at 11.99% p.a. on purchases and cash advances
  • Pay off purchases over $250 in instalments at a lower rate
  • Save on international fees when you meet the eligibility criteria
  • Up to 45 days interest free on purchases
  • Add to Apple Pay and Google Pay digital wallets

  • Extra cardholders are $10 per year, each
  • You will open an ING transaction account during the application process review

Editor Review

ING Orange One Low Rate Credit Card

Pauline Hatch
Pauline is a personal finance expert at, with 8 years in money, budgeting and property reporting under her belt. about this card.

Who suits the ING Orange Low Rate card?

First Timer: you’re looking for a fairly simple card with a few little perks to get you started. You’d like it to have a low annual fee and a low interest rate. Rainy Day Prepper: you want something low-cost to keep in your pocket. Even better if it has a few interest-free perks when you do have to use it. Carefree Splurger: budgets are a bummer, and you might need help with getting on top of debt. Low interest rates and low fees would be great.

Overall Rating

The ING Orange Low Rate card lives up to the ING creed: simple, straightforward and good value (but ironically, not orange - it's a grey card). I give ING a nod for this one because this card does offer great value for those looking for cards with low fees, and has a few little extras up its sleeve. The instalment plan feature is unique in that you can pay off a purchase for up to 7 years, where most other banks only offer up to 4 months.

There are also a ING also offers a couple of great extras that you can unlock if you meet the eligibility criteria. These include a platinum card upgrade with free complimentary insurance, and a rebate on ING's international transaction fees when you're spending overseas or online. That alone is a pretty great perk for a card with no annual fee.

It's important to note that during the application process, you'll be asked to open an ING transaction account. There are no monthly costs on the account and it's up to you if you choose to use it, but using the account is part of the eligibility criteria for the international transaction fees. I'll explain this in detail below.

Editors Review: what I love about the ING Orange One Low Rate Credit Card

I've already given you the birds-eye view of this card and I think it's pretty easy to see what this card is for: it's a simple, cheap way to access a line of credit when you need it. It doesn't cost the earth in interest and it doesn't cost anything to keep as long as you stay away from fees and interest charges.

I'll run through its features first, then we'll look at any not-so-pretty parts.

No annual fee: that's it. There is no annual fee on this card, ever.

Low interest rate: the ING Orange One Low Rate has one of the lowest variable interest rates around at 11.99%. As usual, the best course of action is to pay off your card in full each month, but if you can't do that then a low-interest card can make it easier to keep on top of your repayments.

No international transaction fees or ATM withdrawal fees: this is a really great extra to have on a credit card, but ING does have some stipulations. To access the rebate on international transaction fees and ATM withdrawal fees, you need to have deposited $1000 to your personal ING bank account and make 5 or more fully-processed card purchases each month. Each month you meet the criteria, your ING foreign transaction fees are credited back to your account (but note that you might be charged a separate fee by the merchant). See the PDS for full details.

Free upgrade to ING One Low Rate Platinum card: ING says that Orange One Low Rate customers who are approved for a credit limit of $6000 will receive an Orange One Low Rate Platinum card, which has the same features but also comes with complimentary international travel insurance. You'll need to wait for approval to see what your credit limit is.

Repay in low-interest instalments: you can manage purchases over $250 by paying them off in instalments over 3 months all the way up to 7 years, depending on the amount. The interest rate on instalments is 9.99% p.a., which is even lower than the standard variable rate. Instalment plan repayments are added to your total payment amount each statement period. You can have up to 10 active instalment plans at a time, and there are no fees to set it up, change the plan length or if you pay it off early.

Everywhere you look, this card finds a way to save costs. You'll get 45 days interest-free on new purchases as long as you pay your card off in full each statement period. You won't even pay a dishonour fee or an over-limit fee. It's a pretty neat card all round, if you're looking for something cheap to keep and save on some fees.

What’s not so great...

The ING Orange One Low Rate credit card does a great job of being a low-cost card, but it won't dazzle you with rewards and big features. The savings on foreign fees and the upgrade to Platinum is good if you're eligible, but otherwise this is a card suited for people who want access to credit and don't want to pay a fortune on interest charges and annual fees.

To be eligible to apply for this card you need to have a personal bank account with ING. If you don't have one, you'll be asked to create one during the application process. The ING bank account is where all payments and rebates will flow to and from, but it's up to you whether you use it as your primary account. Just know that to access the rebate on international fees and ATM withdrawals, you need to meet the other terms I've listed above, which includes depositing $1000 from an external account and making 5 fully-processed transactions each month. It's definitely a good idea to read the PDS to make sure you're ticking the boxes.

One final but very important note is that this card isn't currently available to self-employed people.

Who suits this card?

The minimum credit limit is $1000, which means it could suit a first-time cardholder or someone who wants an emergency fund that doesn't cost anything in ongoing annual fees (in case you're wondering, the maximum limit is $30,000). It's also a good fit for those wanting very low interest rates.

The ING Orange Low Rate card has a few very specific extras like the free upgrade to the Platinum card and the rebate on international transaction fees, but those offers are very specifically targeted to people who meet the criteria. They're a bonus if you get them, but even without the bonuses this card has some great low-cost features.

User reviews

ING Orange One Low Rate Credit Card ( based on 4 user reviews )

93% rating based on 4 reviews

Customer Service


31 January 2020

Good card , but Orange One is not currently available to self-employed applicants .

Does not recommend this card

Rates and fees

Interest rates

Purchase rate 11.99% p.a.

Cash advance rate 11.99% p.a.

Interest free period on purchases up to 45 days

Credit limits

Minimum credit limit $1,000

Maximum credit limit $30,000

Fees & repayments

Annual fee $0 p.a.

Additional cardholder fee $10

Foreign transaction fee 3%

Minimum repayment 5% or $100 (whichever is greater)

Cash advance fee $3 or 3% (whichever is greater)

Late payment fee $20

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No


Eligible with Apple Pay and Google Pay


ING Orange One Low Rate Credit Card

The ING Orange One Low Rate credit card has no annual fee and a low 11.99% p.a. on purchases and cash advances. Eligible customers can earn a rebate on ING international transaction fees and ATM fees, and accounts with a credit limit higher than $6000 will be upgraded to a Platinum card with complimentary travel insurance.

Key features

  • No annual fee ever
  • 11.99% p.a. on purchases and cash advances, and an even lower variable 9.99% p.a. on instalments
  • Use instalments to pay off large purchases over set terms of your choice
  • Up to 45 days interest free on purchases
  • Rebate the international ATM fee and foreign currency conversion fee when you deposit $1,000 into your Orange Everyday each month, and make 5+ card purchases that are settled (not pending).
  • Additional cardholders at $10 per card per year

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • You must be an employed Australian citizen, New Zealand or Australian permanent resident

  • Minimum income of $36,000 p.a.

  • You have your personal details ready to complete the online application


Pauline is a personal finance expert at, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask our credit card expert a question.

48 questions (showing the latest 10 Q&As)



20 April 2024
Can you do a balance transfer to the ING low rate credit card?
    Pauline -


    23 April 2024
    Hi Fay, the ING card is a no-frills card and doesn't allow balance transfers. There's a wide range of balance transfer credit cards out there to compare, some with 0% interest for up to 28 months.


2 September 2023
Does the low rate offer travel insurance for travels booked utilising the card? I have paid the deposit for a Europe tour utilising the card and want to ensure insurance is included. Thank you
    Pauline -


    4 September 2023
    Hi Ashley, I checked this for you and it looks like that if you’re approved for a credit limit of at least $6,000, you’ll receive an Orange One Low Rate Platinum card and that’ll give you access to some complimentary international travel insurance. I strongly suggest giving ING a call at 133 464 to check on this.
Susan Coppinger

Susan Coppinger

17 July 2023
I want to apply for this card to use for travel purposes in Europe in SEP and OCT this year. I see it is possible to have a joint card. Great. But both of us are technically of pension age but have just stopped working. Are we still eligible to apply for a joint card?
    Pauline -


    19 July 2023
    Hi Susan, I double checked for you and ING says the Orange One doesn't allow joint accounts, but you can add an additional cardholder. So either you or your husband could apply, and then add the other as an extra on the account for $10 per year. Have a look at the eligibility criteria and make sure you tick the boxes, and that you can show proof of super or pension income. Best of luck Susan!


22 June 2023
What documents check up do you need to provide for this orange one low rate card
    Pauline -


    23 June 2023
    Hi Catherine, aside from the usual eligibility requirements, you need to have some of the supporting documents like PAYG payslips, proof of income, bank statements and tax returns if you hold an ABN.
Emily Crow

Emily Crow

17 June 2023
I have an Orange One low Rate credit card, is it better for me to just pay off my credit card when money comes into my account rather than just waiting for the monthly repayments?
    Pauline -


    20 June 2023
    Hi Emily, it's always ideal to pay off the balances on your credit card rather than making monthly repayments. This means that instead of carrying a balance and paying interest charges over time, it's financially beneficial to clear the entire amount owed in one go. By doing so, you avoid accumulating additional interest and potentially save money in the long run. Hope this helps! :)


19 May 2023
Hi Pauline, My name is Rachael I am 21 years old and I am looking for a credit card for travel but also to get points. Could you please recommend which card would suit me best?
    Pauline -


    23 May 2023
    Hi Rachael, we actually can’t recommend one card over the other as one’s “best” card depends on various factors such as your card usage preferences and desired features/benefits. However, you can compare different travel credit cards that lets you earn points based on the rewards program. By comparing these cards, you can select which one suits your needs and preferences. Best of luck with your comparison process!


12 May 2023
how can get an additional cardholder to my orange one low rate
    Pauline -


    15 May 2023
    Hi Maria, you can definitely have an additional cardholder at a small fee of $10 per additional card holder. To do this, visit, log in to your account, navigate to the "Manage Cards" section, and follow the provided instructions. Alternatively, you can contact ING at 133 464 for assistance.


30 March 2023
Which banks atm can I use for my orange one card
    Pauline -


    31 March 2023
    Hi George, you can essentially use all ATMs in Australia. ING does not have their own ATMs (or branches for that matter), but you can withdraw from any ATMs in Australia for no additional fees besides those that are charged for a cash advance. However, for overseas ATM cash withdrawal, an ING international ATM withdrawal fee will apply and ATM operators may also charge you fees.

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