ING Orange One credit card

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

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

11.99% p.a.

Purchase rate

$0 p.a.

Annual fee

45 days

Interest free period

Details

Product NameING Orange One
Purchase Rate11.99% p.a.
Annual Fee$0
Interest Free Period45 days
Cash Advance Rate11.99% p.a.
Minimum Credit Limit$1,000
Maximum Credit Limit$30,000
Card TypeVisa
Foreign Currency Conversion Fee (Visa/Mastercard)2.5% of transaction value
Complimentary Travel InsuranceNo
Minimum Income$36,000
Minimum Age18 years of age
Available to Temporary ResidentsNo
Joint ApplicationNo

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
Annual Fee$0
Minimum Monthly Repayment5% of the closing balance or $100, whichever is greater
Late Payment Fee$20
Foreign Currency Conversion Fee (Visa/Mastercard)2.5% of transaction value
Cash Advance Fee3% or $3, whichever is greater
Overseas ATM Withdrawal Fee$2.50
Additional Cardholder Fee$10

Expert review

Sally McMullen

Review by


Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.

Expert review

The ING Orange One 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.

How to apply

You can apply for the ING Orange One 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 2.5% 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 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.

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10 Comments

  1. Default Gravatar
    Abbie
    September 17, 2019

    Can I do a balance transfer with ING?

    • AvatarStaff
      Nikki
      September 18, 2019

      Hi Abbie,

      Thanks for getting in touch! You can definitely try applying for a balance transfer with ING. You can find information on how to apply by going to the part of the page above saying “How to apply”. Before doing a balance transfer, check on this page the banks you can transfer your balance to.

      As a friendly reminder, check the eligibility requirements of the card before proceeding with your application. Also, read about its features and benefits and see how it fits your financial needs. Additionally, it’s helpful to review the PDS and Terms & Conditions of the card before fully committing to the card. You may also reach out to the bank if you have any clarifications.

      Hope this helps!

      Best,
      Nikki

  2. Default Gravatar
    Carolyn
    September 5, 2019

    I have read the website several times to apply for an ING card.
    No where does it indicate where to “apply”.
    Please advise

    • AvatarStaff
      Nikki
      September 5, 2019

      Hi Carolyn,

      Thanks for getting in touch and it’s nice to know that you are looking to apply for the ING Orange One credit card. Simply do a Google search and type in ING ORANGE ONE CREDIT CARD + APPLY and you will be redirected to ING’s website. Scroll through the page and you’ll see a “start application” button colored purple.

      Please review the part of our page saying “how to apply.” As a friendly reminder, check the eligibility requirements of the card before proceeding with your application. Also, read about its features and benefits and see how it fits your financial needs. Additionally, it’s helpful to review the PDS and Terms & Conditions of the card before fully committing to the card. You may also reach out to the bank if you have any clarifications.

      Hope this helps and best of luck on your application.

      Best,
      Nikki

  3. Default Gravatar
    Nick
    August 29, 2019

    How can I apply?

    • AvatarStaff
      Jhez
      August 29, 2019

      Hi Nick,

      Thank you for your comment.

      To apply for the ING Orange One credit card, please visit the ING website to apply online.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.

      Regards,
      Jhezelyn

  4. Default Gravatar
    Kay
    July 10, 2019

    I am on an aged pension , am I entitled to apply for a credit card ? Thanks

    • AvatarStaff
      Nikki
      July 10, 2019

      Hi Kay,

      Thanks for your question!

      As advised by Finder, being self-employed, retired or on a pension doesn’t mean you can’t access credit. However, you may be required to meet other terms and conditions and provide additional documents, so do your research before applying for a credit card.

      For the ING Orange One Credit Card, the basic eligibility requirements are shown above.

      The probability of being approved or not depends upon how you match the above requirements. It is advisable to review the card’s features and benefits and see how it fits your daily financial needs. Additionally, read about the card’s PDS and Terms & Conditions before committing to it. It’s helpful to know that you may reach out to the bank should you have any clarifications.

      There are cards offered for pensioners and retirees and if you wish to explore other options, you may refer to this page.

      Hope this helps! For any further questions, feel free to reach out to us again, we’re here to help.

      Best,
      Nikki

  5. Default Gravatar
    Simon
    July 13, 2017

    I have an orange one credit card. Why can’t I pay BPay bills with the credit card?

    • Default Gravatar
      Arnold
      July 13, 2017

      Hi,

      Thanks for your inquiry.

      According to INGDirect

      The Biller may not have accepted your payment if:
      1. The payment doesn’t match the bill amount or
      2. The bill isn’t paid by the due date

      Please navigate to this page for more information.

      Hope this information helped.

      Cheers,
      Arnold

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