ING Credit Cards

Updated 1 September 2019

ING (the trading name of ING Bank (Australia) Limited) is the world's leading savings bank and is wholly owned by ING Group. They strive to deliver simple; straightforward; and good value products for their customers.

ING Orange One Credit Card

ING Orange One Credit Card

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ING Orange One Platinum Credit Card

ING Orange One Platinum Credit Card

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Do you ING?

ING is a financial provider that prides itself on having reinvented the way Australians bank, by delivering simple, straightforward, and good value products. Offering simplicity in its approach, ING says it’s this simplicity – and a clear focus on its customers – that has led this award-winning bank towards success.

About ING Direct

With everyday banking and savings accounts, credit cards, home loans, insurance and superannuation products, ING certainly has a lot to offer. So much to offer in fact, ING has been voted Australia’s most recommended bank. If you add that to glittering array of industry awards the bank has earned over the past few years, it seems ING really is a hit with its customers.

But, is ING right for you? As a credit card comparison site, we are obviously going to focus on what ING has to offer in the way of credit cards. We’re going to look at what kind of credit cards ING has on its books, who those cards would work best for, and what to think about before you apply. Want to know more about ING credit cards? This is most definitely the place to be.

ING Credit Cards

Unlike the Big Banks – such as Westpac, ANZ, CommBank and NAB – ING doesn’t have a huge range of credit cards to offer. Those big banks tend to have multiple offerings in rewards cards, platinum cards and low rate, low fee cards, which can be a good thing – and it can be a bad thing. Comparing credit cards isn’t always easy, especially when there’s so many options to choose from.

With ING, the choice is more limited. You can either choose the low rate, no annual fee option in the ING Orange One Credit Card, or you can choose the cashback-earning platinum option in the ING Orange One Platinum Card. While you may not feel bowled over by the wide selection, if you look closer, you may just find everything you need in one of these lovely little cards.

Low Rate Cards

What is a low rate credit card exactly? Well, as the name would suggest, this is a credit card that offers a low interest rate on purchases, and typically, a low rate on cash advances too. With an enticingly low rate on purchases and cash advances, the ING Orange One Credit Card fits well within this category of low rate credit cards.

Helping to save cardholders on the interest they pay out, low rate cards can be a great money-saving option. However, it is worth pointing out that low rate cards tend to be low on extravagant features, especially when that low rate is teamed with a low annual fee.

Why is that? Credit card providers need to make money back on their credit cards. If they offer big features and rewards, they need to know they’re not losing money on providing those expensive extras. That’s why you will usually find big feature platinum cards and rewards cards typically come with a higher rate of interest, a higher annual fee, or both.

However, that’s not to say the ING Orange One Credit Card doesn’t have plenty to offer. One of the most appealing aspects of this card – aside from its low rate of interest and no annual fee – is the feature that allows cardholders to make installments on large purchases. While you should check the fine print for details, this feature basically allows you to use installments to pay off large purchases over set terms of your choice, on a lower interest rate.

Why should you choose this type of card?

Is a low rate credit card right for you? Offering the potential to save heaps in interest, a low rate card is the ideal option for anyone who wants a money-saving card. If you tend to carry a balance on your credit card month to month, this type of card could help you save on the interest you pay out. And with that monthly installment feature, you could save even more.

If you are new to credit cards, this type of card could also be a good choice. With limited features and a low interest rate, this is a card that could let you get used to dealing with credit before you step into the world of more complicated cards, such as rewards cards and platinum cards.

This type of card can also work for anyone who just wants a simple credit card in their wallet. There are no fancy features to pay for that you won’t use, and no rewards programs to get your head round. This is a card that gives you access to credit, with no added frills to pay for.

No Annual Fee Cards

Just as you would expect, a no annual fee card is a card that charges no annual fee. Unlike many other cards on the market that charge an annual fee for their use, this card can be kept in your wallet for free. Well, it will be free as long as you avoid all other applicable fees and pay off your balance before it starts accruing interest. But that’s just a smart way to deal with any type of card.

As we already mentioned, ING’s credit card offering is not extensive. Which means, when we talk about no annual fee cards, we are actually talking about the ING Orange One Credit Card again. However, as a no annual fee card, the ING Orange One Credit Card is as appealing as a low rate option in its money-saving capabilities.

Similar to low rate cards, low fee and no annual fee cards tend to have fewer features than their more expensive cousins, platinum and rewards cards. But, they do offer access to credit, typically throwing a few handy features into the bargain. The ING Orange One Credit Card, for example, offers mobile payments for ease of use, as well as automatic repayments and notifications to allow cardholders to keep on top of their account.

Why should you choose this type of card?

Most people who opt for a no annual fee card do so to save money. This may be because they actually need to save money, or it may be because they don’t see the point paying annual fees for a credit card when you really don’t have to.

Sure, no annual fee cards tend to be low on fancy features, but if you don’t need those features, there’s no point paying for them. Similarly, if you don’t need an extravagant rewards program, then it makes no sense paying for one. With a no annual fee card, you don’t pay for things you don’t need or don’t use.

A no annual fee credit card can also work well for people who want to keep a credit card for emergencies. These are the folks who generally don’t use credit day to day, but who see the advantage of having a credit card in case they happen to need it. A no annual fee card is perfect in these situations, as it’s not costing the cardholder money, when on the whole, it’s not being used.

Platinum Cards

Designed to offer cardholders extra perks and features, platinum cards are thought of as a prestige option in the world of credit cards, held in the same regard as gold cards and black cards. However, as these prestige cards are tiered, you will usually find platinum cards offer more than gold cards, while black cards offer even more still.

Platinum cards can provide any number of perks, from a platinum rewards program to the services of a Platinum Concierge. Other common platinum features include VIP airport lounge access, complimentary insurance cover on travel and purchases, and access to acclaimed travel and retail memberships.

In terms of ING’s platinum offering, the ING Orange One Platinum Card isn’t exactly bursting with platinum features, but it does have a few perks on offer. Similar to the ING Orange One Credit Card, the ING Orange One Platinum Card allows you to pay off large purchases in pre-set installments at a lower rate of interest.

Another very appealing feature is its ability to earn cashback on purchases. In broad terms, this allows cardholders to earn 1% cashback on eligible purchases made on the card, up to $30 per month. With the potential to earn up to $360 back on purchases each year, this card could provide a great way to save money. Complimentary travel insurance is also up for grabs.

Why should you choose this type of card?

Most people apply for platinum credit cards because they want the extra features on offer. Whether that’s a rewards program or handy extras, those features can offer something extra to cardholders who want to make the most out of their credit card spending.

However, there is a right way and a wrong way to choose a platinum credit card. There’s no point choosing a card for its extras or its rewards if you’re not going to use them, especially when you are paying a premium for them. Instead, you should choose a card that offers features that benefit you, and the spending you do most.

Most importantly, you should choose a card that gives you more value in those features than you pay out in annual fees. It’s also worth noting that if you carry a balance each month, you may pay out more in interest than you get back in features. If that’s the case, a low rate card may be a better option.

What do you need to know about ING?

When it comes to banking, most people like to know a bit about their financial provider. So, what is there to know about ING?

ING is part of the world’s leading bank, and is wholly owned by the ING Group. In its resume, it has over $12 billion paid in savings interest, more than $1 billion invested through Living Super, it has financed more than 475,000 home loans, and has 1.5 million customers and counting.

Their customers seem to be pretty happy with what’s on offer too. ING was declared Australia’s most recommended bank in a 2017 Nielsen poll, when compared by customers of 15 other banks operating in Australia.

Offering simple, straightforward and good value products, ING states it has tackled ATM fees on everyday transactions, while offering simple super solutions for all stages of life, home loans with no ongoing, annual or monthly fees, and savings accounts with no ING fees.

ING is headquartered in Sydney, and has 24/7 Australia-based customer care in Tuggerah. It has held an Australian banking licence since 1999, and like all banks, is regulated by the Australian Prudential Regulation Authority (APRA). This means it offers combined savings balances of up to $250,000 per customer, which are guaranteed by the Australian Government.

To apply for an ING Credit Card:
  • You need to either hold an active Orange Everyday, or request to open one along with your Orange One Credit Card
  • Be over 18+
  • Living in Australia as an Australian citizen or permanent resident
  • You earn $36,000 or more per year and have PAYG payslips

Recently Asked Questions

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12 questions (showing the latest 10 Q&As)

Kylie

Kylie

19 August 2019
I own my own car, have shares, $20000 in the bank (ING) and earn $41000 pa. I have a $1000 credit card I want to swap out with a cheaper one. Yet I couldn't get an ING credit card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 August 2019
    Hi Kylie, so you applied for an ING credit card recently and got knocked back? When you say cheaper, are you looking for low interest? What card do you currently have?
Janet McGregor

Janet McGregor

15 August 2019
We have an ING Maximiser account. We are travelling to Europe next month and have read that an ING credit/debit card compared favourably to other cards. Our visa card credit is paid on full each month. What would be the best ING card for international travel?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    16 August 2019
    Either of the ING credit cards can give you access to no foreign fees. As long as you meet the requirements. No ING international transaction fees if you deposit at least $1,000 a month into your Orange Everyday and make 5+ card purchases that are settled (not pending) each month. The Orange One Platinum credit card comes with overseas travel insurance and has a cash back component which may work out better.
Patricia McManus

Patricia McManus

27 June 2019
I am a self funded retiree with monthly pension payments paid into my ing saving maximiser account. I have a anz credit card, one for me one for my husband. Would I be able to change our credit cards to an ing card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 June 2019
    Hi Patricia, ING do not see the pension as income. Though as self funded retirees, if you meet the minimum income and other requirements. You should be able to apply for an ING credit card. I would have a go and see how it works out.
Gordon

Gordon

22 January 2019
What interest rate do you have for cash advances on your credit cards & do you have a cash advance fee on cash advances from your credit cards.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 January 2019
    Hi Gordon, for the ING Orange One credit card its 11.99% p.a. cash advance rate. For the ING Orange One Platinum card its 16.99% p.a. for the cash rate. The cash advance fee $3 or 3% of the amount, whichever is greater. Additionally there are no interest free days for cash advances.
luke russell

luke russell

17 January 2019
Hi , I do all my banking with ing but have a credit card with another bank , do u offer balance transfers for credit cards . I would like everything to be under 1 bank to make things easier
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 January 2019
    Hi Luke, there are no balance transfer options with ING. You need to look outside ING at a bank different your where you have your credit card. Check https://www.creditcard.com.au/low-balance-transfer-credit-cards/. Once you successfully balance transfer your debt to 0% offer. You can close down your old credit card. Its best not to spend on a balance transfer card as you get no interest free days. You should just focus on paying the debt down. Then you can get an ING credit card and use this for new purchases. Paying it off in full each month to take advantage of the interest free days. Once you pay off the balance transfer. You can then close that card also. Then you would just keep your ING credit card open.
Traci

Traci

14 November 2018
I want to apply for the ing credit card with no annual fee
mark

mark

24 October 2018
I wish to balance transfer so i can pay back soon....can i do this and apply on line?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    24 October 2018
    Hi Mark, there is no balance transfer offer available with ING. What credit card(s) are you looking to transfer from and how much funds? You can apply for the ING credit card offers online. https://www.ing.com.au/credit-cards.html
basil

basil

21 September 2018
can I use ing low interest credit card if iam not a customer ineed a credit card with low or no fees for overseas travell
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 September 2018
    Hi Basil, You can apply directly on the ING Credit card web site - https://www.ing.com.au/credit-cards.html. Pick which card you are after and start the online application process. You can do this whether you are a customer or not. This is a great credit card for travelling based as long as you meet the eligibility requirements to achieve the no foreign fees. Another card that I can suggest is the ANZ Rewards Travel Adventure card. No foreign fees and no foreign ATM cash advance fees guaranteed. Benefits of points earning, bonus points plus travel insurance and a range of other features. Personally I think this ANZ card is the best for travelling.
Keith

Keith

7 June 2018
Hi, is the 1% cash back the only offer? Do points go towards other things? Like flights, goods etc? Is there somewhere we can view whats on offer? Otherwise it seems the only value is making $200 in the 1% after you pay your annual fee?!? Look forward to your response . Ta K
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 June 2018
    Hi Keith, yes this is a ING rewards cash back offer. There are no points. You can get up to $30 a month back. Thus a maximum of $360 for the year. Other benefits of this ING credit card inc overseas travel insurance. Plus you can have foreign fees waived if you meet certain conditions.
alida basic

alida basic

21 May 2018
do you have a credit card with no annual fee and no charges when making purchases or withdrawing money when travelling overseas.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 May 2018
    Hi Alida, yes this is possible. This is a great feature of the ING Credit Card. https://www.creditcard.com.au/creditcard/ing-orange-one-credit-card/. At the moment it is only available to current customers. You just need to meet the requirements. This offer will apply for the next calendar month when you perform the following during the current calendar month: deposit at least $1,000 from an external bank account to any personal ING account in your name. And from 1 March 2018, also make at least 5 card purchases using your ING debit or credit card.
Bill

Bill

17 May 2018
What are your card fees for international use
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 May 2018
    Hi Bill, if you meet the requirements, there are no foreign transaction or ATM fees with ING Credit Cards. (No ING international transaction fees if you deposit at least $1,000 a month into your Orange Everyday and make 5+ card purchases each month).
Thomas Shizas

Thomas Shizas

15 March 2018
I am interested in getting a new credit card; changing from my current westpac credit card to perhaps maybe an ING credit card. All my accounts are with westpac but would of course like to enquire about a new credit card with someone else; and in saying that was wondering if I changed my westpac credit card to an ING one, how would I go about paying it off when require?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    16 March 2018
    Hi Thomas, it looks like the ING Card would be linked into an Orange everyday account. I have just moved my home loan to ING. I am with a total of 6 banks for all my financial products. I always look for the best from each of them. Payment options: Autopay - you can choose to repay either the amount due (the full amount) or the minimum repayment each month - it's up to you. Any monthly repayments from instalments you have set up will automatically be added to your autopay preference. Additional repayments - if you want to make extra payments, you can transfer money to your Orange One from an eligible ING account any time you like using the app or online banking.
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