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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 6 June 2022

Enjoy a low-interest rate on purchases and cash advances. Save with no annual fee and receive up to 45 days interest-free on purchases. Plus, eligible customers pay no ING international transaction fees when shopping overseas or online. Pay big purchases at a lower interest rate with ING Orange One Low Rate credit card installment plans.
T&Cs apply.

Purchase Rate (p.a)

11.99%

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$0

$0

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • No annual fee
  • 11.99% p.a. on purchases and cash advances
  • Pay off large purchases over set terms of your choice at a lower interest rate using instalments
  • Waive 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).
  • Up to 45 days interest free on purchases
  • Eligible with Apple Pay, and Google Pay

  • No balance transfer option
  • Only currently available for existing ING customers who are eligible

Creditcard.com.au review

Editor Review

ING Orange One Low Rate Credit Card

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

The ING Orange One Low Rate Credit Card

On its website, ING proudly says it has reinvented the way Australians bank, by delivering simple, straightforward and good value products. Is this really the case though? Well, after checking out the ING Orange One Low Rate Credit Card, we’d say they’ve come pretty darn close.

Offering a simple, no frills card, ING keeps costs down with the ING Orange One Low Rate Credit Card, providing cardholders with access to credit, alongside a few basic features. As a money-saver, this is definitely one to check out, giving you a low purchase rate and a low-interest monthly installment feature, all for no annual fee.

What we love...

One of the most appealing features of the ING Orange One Low Rate Credit Card has to be its low interest rate. With its low rate on purchases, this is a great card for cardholders who tend to carry a balance each month, allowing them to save more on interest than they would on say, a rewards card or platinum card with a higher interest rate.

You may also be eligible for an International ATM fee rebate and a foreign currency conversion fee waiver – just check the small print for more details.

While it may not have the fancy features or exciting rewards program other – more expensive – cards offer, this card keeps it simple, providing plenty of money-saving potential. And if you do clear your balance each statement period, you could potentially save even more money, utilising up to 45 days interest free on purchases.

Want to make a big purchase? This card could be perfect for you. With the ING Orange One Low Rate Credit Card, you can manage your big purchases by using installments to pay off them off over set terms of your choice, on an even lower interest rate than the card’s standard variable rate on purchases. That big screen TV or full-feature smartphone could be closer than you think!

As we’re talking about money-saving, it would be hard to pass up the opportunity to talk about this card’s annual fee. Yep, there is none. You will pay no annual fee for the life of the card, potentially saving you hundreds of dollars that could easily be spent elsewhere.

What’s not so great...

When you apply for a card like the ING Orange One Low Rate Credit Card, you’ve got to understand what it’s good for – and what it’s not so good for. As we’ve already discussed, this is an excellent card for anyone who is looking to save money on interest and annual fees. But, for anyone looking for big features, this card simply does not have them.

What you’ve got to ask yourself is what you want more. Do you want to save money? Or do you want to roll around in fabulous features? If you answered yes to the latter, you better be willing to pay for them.

Why should you choose this card?

While the ING Orange One Low Rate Credit Card doesn’t offer much in the way of extras, that doesn’t mean it doesn’t have any extras at all. As a cardholder, you can pay with mobile payments, using Apple Pay, and Google Pay now, and Android Pay later on down the line.

As for organisational tools, the card allows you to set up automatic repayments to keep your account in good standing, while managing your spending limits with handy notifications, to avoid any nasty surprises at the end of the month.

If you want to add an additional cardholder to your account, it will cost just $10 per year, plus you could save some serious cash on fees, compared to other credit cards. Not only is there no annual fee, there is also no over limit fee and no dishonour fee.

Overall Rating

A low rate, no annual fee card with a few handy features, and the ability to spread big purchases over a low-interest installment plan.

User reviews

ING Orange One Low Rate Credit Card ( based on 4 Creditcard.com.au user reviews )

93% rating based on 4 reviews

Rates
Fees
Rewards
Customer Service
Value
90%

Harsha

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

Extras

Eligible with Apple Pay, and Google Pay

Overview

ING Orange One Low Rate Credit Card

The ING Orange One Low Rate Credit Card is available to existing eligible ING customers. It has no annual fee and low 11.99% p.a. on purchases and cash advances. Additional cardholders at $10 per card per year. Waive 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).

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
  • Waive 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 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

Pauline is a personal finance expert at CreditCard.com.au, 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 a our credit card expert a question.

35 questions (showing the latest 10 Q&As)

Rob

Rob

9 July 2022
I am traveling to Europe, i want to avoid fees on purchases, food ect using a debit or credit card. I am unsure of my options
    Pauline - CreditCard.com.au

    Pauline

    11 July 2022
    Hi there, there are several cards that have different offers that could fit your needs. But since you mentioned you’ll be travelling soon and you’d want to avoid fees on transactions, you could check the no foreign fees credit cards we are partnered with currently. You can read our detailed reviews and compare the ones you like side by side. Hopefully you’ll find one that works for you, and more importantly have a great trip!
John

John

21 March 2022
Why would I get this card if I have an ING everyday card, sounds like they are the same? What's the benefit?
    Pauline - CreditCard.com.au

    Pauline

    23 March 2022
    Hi John, there’s a few key differences between this credit card and the ING Everyday Card. The main one being that this is the bank extending you a line of credit to spend money, with interest attached if you don’t repay the amount spent. The Orange Everyday is you, spending your own money. This kind of credit card can be handy if you need a little extra spending money to cover a bigger purchase that you may not have cash saved for.
Berner

Berner

23 February 2022
How do I apply for a credit card
    Pauline - CreditCard.com.au

    Pauline

    23 February 2022
    Hi Berner, we currently don’t have access to ING credit cards. You’ll have to go directly to ING’s site. However, you can use our credit card comparison tool to review the cards we have access to. You can compare them side by side and find what suits you best. Please also check the card’s terms, conditions and TMD before proceeding with your application.
Tara

Tara

3 February 2022
i want to take out $11,000 on a credit card, wanting to know how much interest that i have to pay
    Pauline - CreditCard.com.au

    Pauline

    4 February 2022
    Hi Tara, the current interest rate on the ING Orange One card is 11.99% p.a. Your credit limit will be determined by ING based on how they deem your credit risk. The banks keep their credit criteria very close to their chests.
Ernest

Ernest

19 January 2022
Can I use this card when I travel overseas and secondly, how is the monthly repayment decided or over what period?
    Pauline - CreditCard.com.au

    Pauline

    20 January 2022
    Hi Ernest, yes you may use the card overseas. Please keep in mind that you will be charged a 2.5% foreign fee for any transaction made outside of Australia or within Australia at an overseas merchant. As for the monthly repayment amount, currently, it’s 5% or $100, whichever is greater, of the total balance on the statement. And if you are referring to the statement period, usually it’s 30 days and usually ends on the same day of each month. A detailed information pack about these charges will be provided once you are approved for a card. If you are however looking to use your credit card often overseas and not pay fees, you can use our comparison tool for no foreign fees credit cards for your options. Hope this has helped!
Louise

Louise

1 January 2022
I am currently not working but have a maximizer account with a very good balance. I recently had my debit card stolen - and just wish to have a backup should this ever happen again. I have had credit cards before and didn't even use them. Would I be eligible?
    Pauline - CreditCard.com.au

    Pauline

    6 January 2022
    Hi Louise, sorry to be the bearer of bad news but this ING credit card has a minimum income of $36,000 p.a. to be eligible for application.
Richard simpson

Richard simpson

6 September 2021
with an ING orange 0ne low interest card will I still have to pay a cash withdrawl fee for accessing an atm?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 September 2021
    Hi Richard, withdrawing cash from an ATM will always incur a cash advance fee. With the ING Orange One this is the greater of 3% or $3 of the cash advance amount. According to ING’s terms, you will have 100% of your Australian ATM fees refunded provided you’ve made at least 5 purchases using your ING credit card that have settled the balance of the previous month. Hope this has helped!
Steph

Steph

4 January 2021
Can you please explain what is Rental Vehicle Excess in Australia Insurance? One reason I am after a credit card is due the difficulty renting cars with a VISA debit card (often not accepted) and Amex (not accepted or much higher percentage fees). I need to know I can rent a car easily with an Orange VISA card, if I apply for one, thanks.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 January 2021
    Hi Steph, rental vehicle excess is the amount you need to pay if you e.g. crash the car. Insurance then covers this part. The card insurer requires you to get a minimum insurance level to qualify. Visa or Mastercard credit cards are the biggest networks in the world. Having the highest acceptance. This ING Orange card does not come with this insurance. A card like the HSBC Platinum Qantas could be an option.
Phillip

Phillip

28 July 2020
Hi Roland I am in secure, ongoing employment and am also a homeowner with zero debt except the home loan. I bank with ING but my credit card is with one of the big 4. I want to apply for this card, however, I am concerned they won't accept me as I already have a card with a healthy limit. If i close my existing card and then apply I could end up with no card. How would you advise I proceed?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 July 2020
    Hi Phillip, What I suggest, is that you reduce your limit on your current credit card as low as you can before applying for your new card. Then you can increase this limit again if not successful with the ING card. Though based on the brief information above. It sounds like it could be possible.
David

David

19 May 2020
I'm an ING customer and also have a home loan with ING. I regrettably closed down a credit card recently from another lender which I had held for 15 years. In doing this is has dropped my credit rating to below average. If I apply for the ING Orange One Credit Card, what are my chances it will be approved? I'm hoping having an active credit card will help improve my credit rating
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 May 2020
    Hi David, I think as an ING Home Loan customer, then this will assist you in approval. As long as you have been meeting all payments on the loan. I would have a go for sure.
Guy

Guy

2 May 2020
Does using the instalment plan feature impact your credit rating, and how does it impact your available credit on the card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 May 2020
    Hi Guy, it should not impact your credit rating. I assume that the amount of the install would reduce the available credit limit. As you pay off your installments then this will make more credit available again.
Daniel

Daniel

3 February 2020
Hi, I have a mortgage with you and never missed a payment, However I know my credit rating isn't the best, By having my mortgage with ING will that help my application ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 February 2020
    Hi Daniel, it should, if you always make your payments on time and have never had any issues. I have a home loan as well with ING. You get some extra fee free features when you have a home loan as well.
Phillip heaton

Phillip heaton

19 January 2020
Am I eligible for orange card? I’m a member of Nrma with vehicles, house insurance plus roadside assistance
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 January 2020
    Hi Phillip, You need to have an Orange everyday account to be eligible. You can open this at the same time.
Dominika

Dominika

9 January 2020
Hi, I have a question about the Waiving of international fees and currency conversion fees, *range Everyday each month, and make 5+ card purchases that are settled (not pending).* Is the above spending relate to your orange everyday card not your visa card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 January 2020
    Hi Dominika, the spending relates to your credit card (5+). Though you will need to deposit $1,000 into your ING bank account in the month as well.
SAMMY DE BARTOLO

SAMMY DE BARTOLO

19 August 2019
I AM TRYING TO APP FOR THE CARD CARD
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 August 2019
    Hi Sammy, you can apply directly on the ING Orange credit card webpage.

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