Known for its home loan and saving accounts offers, ING also offers two products on the Australian credit card market. The ING Orange One Low Rate and Orange One Rewards Platinum credit cards are available to existing ING customers and those who open an account during the application process.
ING: 2023 Credit Card Provider Customer Satisfaction Winner
$0 annual fee
Eligibility criteria, terms and conditions, fees and charges apply
ING Credit Card Offer
Available when you hold or open an Orange Everyday account, the ING Orange One Low Rate keeps credit card costs low with a $0 annual fee and 11.99% p.a. interest rates.
- Ongoing $0 annual fee
- 11.99% p.a. interest rate on purchases and cash advances
- 100% foreign transaction fee rebates when you meet the criteria
- Credit limits available from $1,000 to $30,000
Compare ING credit cards
Orange One Low Rate credit card
The ING Orange One Low Rate credit card is a no annual fee card that can help you cut costs on standard credit card rates. The card has a low purchase and cash advance rate of 11.99% p.a., but also offers a 9.99% p.a. instalment plan for large purchases. Plus, if you pay your balance in full before the end of the statement period, you can also take advantage of up to 45 interest-free days on purchases.
The card also comes equipped with Apple Pay functionality for mobile contactless purchases with your Apple devices.
Orange One Rewards Platinum credit card
ING also offers a platinum version of the Orange One Low Rate credit card. To receive an Orange One Rewards Platinum, you'll need to be approved for a credit limit of at least $6,000. The Platinum version of the card offers complimentary travel insurance and a cashback offer of 1% on your spend (up to $30 a month).
Benefits of an ING credit card
- No annual fee. If you opt for the Orange One Low Rate credit card, you won't have to pay an annual fee for the life of the card.
- Foreign currency conversion fee rebate. You don't have to worry about the international transaction fee when you shop online or overseas. You just need to deposit $1,000 into your ING account (excluding Living Super and Orange One) and make at least five eligible transactions in the previous calendar month to receive a 100% foreign currency conversion fee rebate.
- Low variable interest rates. Both of the ING products are low interest rate credit cards that boast relatively competitive interest rates on purchases and cash advances alike.
- Digital wallet. You can use your Orange One credit card to make contactless payments with your Apple devices thanks to Apple Pay.
- Cashback. Platinum cardholders can enjoy 1% cashback (up to $30 a month) on their spend per statement period.
- Instalment plans. If you need to make a big ticket purchase, you can take advantage of an instalment plan to pay off a specific purchase with a lower variable purchase rate.
- Visa exclusives. As a Visa cardholder, you’ll also enjoy benefits such as Visa Entertainment, which offers access to exclusive perks including competitions, presale concert ticket access, entertainment discounts and more.
- Security. You can shop with peace of mind thanks to Visa security measures such as Shop Safe Online, Visa Secure and Security Sense.
When can I apply for an ING credit card?
You can apply for either the ING Orange One Low Rate or ING Orange One Rewards Platinum credit card online. However, you'll need to meet eligibility requirements (including income, residential and credit rating criteria) to receive approval. You can check out the individual reviews of these cards for the specific information regarding the eligibility requirements and the documents you'll need to provide to apply.
Image: ING
Do you consider aged pensioners favourably for a credit card applications or do you just outright refuse them a credit card like most or all of the other banking institutions.
Hi Eleanore,
We’re a comparison site and we’re not affiliated with ING, so we can’t provide any guidance on this. However we can confirm that when you apply for a credit card, the lender will assess your ability to repay the debt. This means they will review your sources of income. If the pension is your only source of income, this may limit the number of banks willing to lend to you, but there are many that want your business. You can review some of the options here.
Hope this helps!
Does Ing credit card offer interest free balance transfers?
Hi Julie,
Thanks for your inquiry.
As of this writing, ING doesn’t have a list of credit cards that offer a 0% balance transfer. You may instead refer to our list of 0% purchase and balance transfer credit cards. You can use our comparison table to help you find the card that suits you. You can also check which bank you can balance transfer to because credit card issuers have transfer restrictions around balance transfers from other credit cards.
As a friendly reminder, read the eligibility criteria, features, and details of the card, as well as the Product Disclosure Statement and Terms and Conditions of the card before committing to the product.
Hope this helps!
Best,
Nikki
does the platinum card offer car rental insurance coverage?
Hi Shelby,
Thanks for getting in touch!
ING Credit Card offers complimentary travel insurance at the moment.
While we can provide you with general information, please note that we’re a product comparison website and we do not represent any company we feature on our site. We’re here to assist you in your buying decision process hence we cannot recommend product / service that is rightfully fit for you.
Hope this helps.
Regards,
Nikki
If i transfer money to a credit Cardi, how long does it take for it to be visible and ready to be used?
Hi Jeff,
Thanks for your inquiry.
With credit card balance transfer, usually, it will take 10-15 minutes to complete the application. If you’re approved, it can take between 5 to 10 business days for the balance to move to your new account.
Please note that you’re transferring the debt from your old card to your new BT credit card, so depending on how much is the remaining credit limit in your account after the transfer, that’s the amount you can use for your purchases or CA. You can learn more about balance transfer.
Cheers,
May