In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
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ING Orange One Low Rate credit card

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ING Orange One Low Rate
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Terms and conditions apply
Purchase rate
11.99% p.a.
Annual fee
$0 p.a.
Interest-free on purchases
Up to 45 days

Our verdict

Save with $0 annual fee, low interest rates and flexible repayment options with the ING Orange One Low Rate credit card.

The ING Orange One Low Rate credit card is one of the few cards on the market that combines $0 annual fee with low interest rates. The instalment plan is also a unique feature and offers a lower interest rate of 9.99% p.a., which is a good option if you have a large purchase that you need to pay off.

Pros

  • $0 annual fee for the life of the card
  • Low variable interest rate of 11.99% p.a. on purchases and cash advances

Cons

  • Must hold an Orange Everyday account or request to open one to receive this card
  • Several criteria to receive the ATM fee rebate and foreign transaction fee waivers

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews

With no annual fee and up to 45 interest-free days, this ING credit card offers simple and affordable access to credit.

Details

Product details

Product Name ING Orange One Low Rate
Purchase rate p.a. 11.99%
Interest-free period Up to 45 days on purchases
Cash advance rate p.a. 11.99%
Min credit limit $1,000
Max credit limit $30,000
Card type Visa

Eligibility

Available to temporary residents No
Minimum income $36,000
Joint application No

Rewards

Bonus points N/A

Fees

Annual fee $0
Minimum monthly repayment 5% of the closing balance or $100, whichever is greater
Late payment fee $20
Foreign currency conversion fee 3%
Cash advance fee 3% or $3, whichever is greater
Overseas ATM withdrawal fee $5
Additional cardholder fee $10
Number of additional cardholders 3

How to apply

You can apply for the ING Orange One Low Rate credit card online in a few minutes. Before you get started, check if you meet the eligibility criteria and have the required information on hand:

Eligibility criteria

  • ING account. You must have an active Orange Everyday bank account or apply for one at the time of credit card account application.
  • Income. You need to earn at least $36,000 p.a.

Card benefits

  • No annual fee. This card offers an ongoing $0 annual fee.
  • Currency conversion fee rebate. When you use your card overseas or to make a transaction in a foreign currency online, a foreign transaction fee of 3% will apply. However, you can take advantage of the foreign currency conversion fee rebate when you deposit at least $1,000 from an external bank account to any personal ING account under your name (excluding Living Super and Orange One) and make at least 5 eligible purchases using your ING debit or credit card in the previous month.

Rates & fees

  • Interest rate. The Orange One Low Rate card charges a variable rate of 11.99% p.a. on purchases and cash advances.
  • Interest-free days. Enjoy up to 45 days interest-free on purchases when you pay the "Amount Due" on each statement by the due date listed. The "Amount Due" is your full balance, minus any amount owing under Instalment Plans that is not due and payable for that statement period.

Your reviews

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