Green Company

ING Orange One Low Rate credit card

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

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Product NameING Orange One Low Rate
Purchase rate11.99% p.a.
Annual fee$0
Interest-free periodUp to 45 days on purchases
Cash advance rate11.99% p.a.
Min credit limit$1,000
Max credit limit$30,000
Card typeVisa
Foreign currency conversion fee2.5%
Minimum income$36,000
Available to temporary residentsNo
Joint applicationNo


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


  • 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
Bonus pointsN/A
Annual fee$0
Minimum monthly repayment5% of the closing balance or $100, whichever is greater
Late payment fee$20
Foreign currency conversion fee2.5%
Cash advance fee3% or $3, whichever is greater
Overseas ATM withdrawal fee$2.50
Additional cardholder fee$10

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

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.

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 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 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.
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