Our verdict

Save with $0 international transaction fees and ATM withdrawal fees, low interest rates and flexible repayment options.

The ING Orange One Low Rate credit card offers simple and affordable access to credit with a $48 annual fee and 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.

If platinum-level perks are more your thing, you can opt for the Orange One Rewards Platinum credit card to earn 1% cashback on your spending. The platinum card is only available to applicants who are approved for a credit limit of at least $6,000.

Pros

$0 foreign transaction fees and ATM fees
$48 annual fee
Low variable interest rate of 12.99% p.a. on purchases and cash advances

Cons

Must hold an Orange Everyday account or request to open one to receive this card

Details

Product details

Product Name	ING Orange One Low Rate
Purchase rate p.a.	Purchase rate p.a.12.99%
Interest-free days	Up to 45 days on purchases
Cash advance rate p.a.	12.99%
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	$48
Minimum monthly repayment	5% of the closing balance or $100, whichever is greater
Late payment fee	$30
Foreign currency conversion fee	0%
Cash advance fee	3% of transaction value or $3, whichever is greater
Overseas ATM withdrawal fee	$0
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.

Credit history. You must have a good credit score and meet ING's credit lending guidelines to receive approval.
Residency. You must be an Australian citizen, permanent resident or New Zealand citizen with an Australian residential address.
Age. You must be at least 18 years of age to apply for this credit card.

Required documents

Personal details. This includes your full name, date of birth, residential address, email address and contact number.
Identification. You'll need to provide your driver's licence number or another valid form of identification (such as your passport or Medicare number).
Employment information. This includes your current role, salary and your employer's name and contact details. You'll need to confirm your annual income with PAYG payslips.
Financial information. You'll be asked to provide details of any other assets you have, such as savings or investments, as well as debts. You'll also need to include estimates of your everyday spending on essentials such as rent, transport, utilities and other household spending.

Card benefits

No currency conversion fees. The ING Orange One Low Rate offers $0 international transaction fees when you use your card overseas or make purchases online in a foreign currency.
Instalment plans. Pay off a large purchase or group of purchases over a time frame of your choosing and save with a lower interest rate with an instalment plan. This means you'll pay a fixed amount off the balance each statement and pay a variable rate of 9.99% p.a. on the instalment plan balance.

No ATM withdrawal fees. You won't be charged any fees when withdrawing cash from ATMs in Australia or overseas with this credit card. Note that the cash advance interest rate and fee will still be charged.
Mobile payment. The Orange One Low Rate credit card is compatible with Apple Pay and Google Pay, allowing you to use your smartphone to make contactless payments at the checkout.

Rates & fees

Annual fee. This card charges a $48 annual fee.
Interest rate. The Orange One Low Rate card has a variable rate of 12.99% 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.

Cash advance fee. A fee worth the greater of $3 or 3% of the cash advance amount will apply when you use your card to withdraw money or for any other cash advance transaction.
Late payment fee. If you don't pay the minimum amount on your statement by the due date, a fee of $30 will be charged to your account.
Additional cardholder fee. An annual fee of $10 applies for any additional cardholders you link to your account.

Sources

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. ING Orange One Low Rate credit card information PDF
2. ING Orange One Low Rate credit card TMD

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ING Orange One Low Rate credit card

Pros

Cons

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

Sources

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