ING Credit Cards

Compare the low rates and instalment plans that come with ING's credit cards.

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ING

Known for its home loan and saving accounts offers, ING also offers two products on the Australian credit card market. The ING Orange One and Orange One Platinum credit cards are available to existing ING customers and those who open an account during the application process.

Compare ING credit cards

Rates last updated October 17th, 2019
Name Product Interest Free Period Cash advance rate (p.a.) Purchase rate (p.a.) Annual fee Product Description
ING Orange One
Up to 45 days on purchases
11.99% p.a.
11.99% p.a.
$0 p.a.
Keep costs low with $0 annual fee and 100% foreign transaction fee rebates. Available when you hold or open an Orange Everyday account.
ING Orange One Platinum
Up to 45 days on purchases
16.99% p.a.
16.99% p.a.
$149 p.a.
Enjoy up to $30 cashback per month and 100% foreign transaction fee rebates. Available when you hold or open an Orange Everyday account.

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Orange One credit card

The ING Orange One 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 device.

Orange One Platinum credit card

ING also offers a platinum version of the Orange One credit card. To receive an Orange One 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 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 credit cards boast relatively competitive low variable interest rates on both purchases and cash advances.
  • Digital wallets. You can use your Orange One credit card to make contactless payments with your Apple device 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, Verified by Visa and Security Sense.

When can I apply for an ING credit card?

You can apply for either the ING Orange One or ING Orange One 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.

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6 Responses

  1. Default Gravatar
    JulieJune 11, 2019

    Does Ing credit card offer interest free balance transfers?

    • Avatarfinder Customer Care
      NikkiJune 11, 2019Staff

      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 want to review this page for 0% Purchase and Balance Transfer 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

  2. Default Gravatar
    shelbyJune 6, 2018

    does the platinum card offer car rental insurance coverage?

    • Avatarfinder Customer Care
      NikkiJune 6, 2018Staff

      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

  3. Default Gravatar
    JeffApril 4, 2018

    If i transfer money to a credit Cardi, how long does it take for it to be visible and ready to be used?

    • Avatarfinder Customer Care
      MayApril 4, 2018Staff

      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. Please refer to this page to learn more about balance transfer.

      Cheers,
      May

Credit Cards Comparison

Rates last updated October 17th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Enjoy a balance transfer offer, yearly annual fee refund, airport lounge passes and complimentary insurance covers.
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 18 months
$199 p.a. annual fee for the first year ($299 p.a. thereafter)
Get up to 120,000 bonus Qantas Points (20,000/month) when you spend $1,500/month for the first 6 months. Plus, complimentary lounge passes.
Latitude Low Rate Mastercard
9.89% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 70,000 bonus Velocity Points when you meet the spend requirement. Plus, save with a 0% interest for 18 on balance transfers.

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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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