For whatever's on the cards.

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No ING International Transaction Fees for eligible customers

Mobile payments with Apple Pay and Google Pay

Instalment plans with a rate of just 9.99% p.a. variable

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Orange One cards

Which one is right for you?

Want a credit card with a low rate and no annual fee? Take a look at Orange One Low Rate. Like the sound of cashback on your spend? Check our Orange One Rewards Platinum.

Either way, if you meet eligibility criteria you'll pay no ING international transaction fees when you shop overseas or online.

Orange One Low Rate card

With a low interest rate, no annual fee and, if per account, you meet the eligibility criteria, no ING International Transaction Fees when you shop overseas or online.

Apply now
ING international transaction fees rebate

Simply deposit $1,000+, like your pay into your Orange Everyday transaction account each month and make 5+ eligible settled card purchases (not pending) every month.

No annual fee

No tricks, no annual fee. Just a great value credit card.

Low interest rate

12.99% p.a. variable on purchases.

Instalment plans

Use instalment plans to pay off your purchases over time at a lower interest rate of 9.99% p.a. variable.

Setup notifications

Setup notifications to manage your spending limits.

Automatic repayments

Automatic repayments from eligible ING accounts.

Orange One Rewards Platinum card

Get up to $30 a month cashback on your spend per account, and, if you meet the eligibility criteria, no ING International Transaction Fees when you shop overseas or online.

Apply now
ING international transaction fees rebate

Simply deposit $1,000+, like your pay into your Orange Everyday transaction account each month and make 5+ eligible settled card purchases (not pending) every month.

1% cashback

1% cashback on your eligible spend, up to $30 a month per account. Conditions apply.

Complimentary international travel insurance

Complimentary international travel insurance. Conditions apply.

Instalment plans

Use instalment plans to pay off your purchases over time at a lower interest rate of 9.99% p.a. variable.

Setup notifications

Setup notifications to manage your spending limits.

Automatic repayments

Automatic repayments from eligible ING accounts.

How to use your Orange One

Watch this video and learn how to stay on top of your finances with Orange One.

Watch this video

Compare our credit cards

Which one is right for you?

 
Orange One Low Rate card

Orange One Low Rate

Low rate credit card with no annual fee.
Orange One Rewards Platinum card

Orange One Rewards Platinum

Platinum credit card with cashback rewards.
Compared features
 
Orange One Low Rate
Orange One Rewards Platinum

Cashback rewards on your spend
(up to $30 a month)

Complimentary international travel insurance

Manage your purchases using instalments

Automatic repayments from eligible ING accounts

Mobile payments with Apply Pay and Google Pay

Setup notifications to manage your spending limits

 
Orange One Low Rate
Orange One Rewards Platinum

Interest rates

Purchases 12.99% p.a. variable

Instalments 9.99% p.a. variable

Cash advances 12.99% p.a. variable

Purchases 16.99% p.a. variable

Instalments 9.99% p.a. variable

Cash advances 16.99% p.a. variable

Interest free period

Up to 45 days interest free

Up to 45 days interest free

Annual Fee

$0

$149

Late payment fee

$30

$30

Over limit fee

$0

$0

Additional cardholder

$10/year per additional card

$10/year per additional card

Dishonours

$0

$0

Replacement card (in Australia or overseas)

$0

$0

Emergency replacement card

$0

$0

Voucher request

$10

$10

Cash advance fee

The greater of $3 or 3% of the cash advance amount.

The greater of $3 or 3% of the cash advance amount.

International transaction fee (payable to us)

3% of transaction amount.

  • for all transactions in a foreign currency; and
  • for all transactions in Australian dollars or a foreign currency, where:
  • the merchant or financial institution accepting the card is located outside of Australia; or
  • the entity processing the transaction is located outside of Australia.

3% of transaction amount.

  • for all transactions in a foreign currency; and
  • for all transactions in Australian dollars or a foreign currency, where:
  • the merchant or financial institution accepting the card is located outside of Australia; or
  • the entity processing the transaction is located outside of Australia.

International ATM withdrawal

$5.00

$5.00

Australian ATM Fee Rebate Offer

100% of ATM fee

Offer will apply for the next calendar month when you perform the following during the current calendar month:

  • deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One), and
  • also make at least 5 card purchases using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).

The ING cash advance fee is not rebated under this offer.

100% of ATM fee

Offer will apply for the next calendar month when you perform the following during the current calendar month:

  • deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One), and
  • also make at least 5 card purchases using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).

The ING cash advance fee is not rebated under this offer.

ING International ATM Fee Rebate Offer

100% of ING International ATM withdrawal fees when eligibility criteria is met.

Offer will apply for the next calendar month when you perform the following during the current calendar month:

  • deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One), and
  • also make at least 5 card purchases using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).

Neither the ING cash advance fee, nor any fee charged by an international ATM operator will be rebated under this offer.

100% of ING International ATM withdrawal fees when eligibility criteria is met.

Offer will apply for the next calendar month when you perform the following during the current calendar month:

  • deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One), and
  • also make at least 5 card purchases using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).

Neither the ING cash advance fee, nor any fee charged by an international ATM operator will be rebated under this offer.

International Transaction Fee Rebate Offer

100% rebate of ING international transaction fees when eligibility criteria is met.

Offer will apply for the next calendar month when you perform the following during the current calendar month:

  • deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One), and
  • also make at least 5 card purchases using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).

The ING cash advance fee is not rebated under this offer.

Merchants may charge you a separate fee for their services (which is not rebated under this offer).

100% rebate of ING international transaction fees when eligibility criteria is met.

Offer will apply for the next calendar month when you perform the following during the current calendar month:

  • deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One), and
  • also make at least 5 card purchases using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).

The ING cash advance fee is not rebated under this offer.

Merchants may charge you a separate fee for their services (which is not rebated under this offer).

Rebate Offers for ING Home Loan customers

If you hold an ING Home Loan, you do not need to meet the eligibility requirements set out above in order to access the Australian ATM Fee Rebate Offer, ING International ATM Fee Rebate Offer or the International Transaction Fee Rebate Offer.

If you hold an ING Home Loan, you do not need to meet the eligibility requirements set out above in order to access the Australian ATM Fee Rebate Offer, ING International ATM Fee Rebate Offer or the International Transaction Fee Rebate Offer.
 
Orange One Low Rate
Orange One Rewards Platinum

Minimum credit limit

$1,000

$6,000

Maximum credit limit

$30,000

$30,000

Cash advances

10% of the credit limit, up to a $500 maximum

10% of the credit limit, up to a $500 maximum

Purchases using Visa payWave without a PIN

Under $100 in Australia (other limits may apply outside of Australia)

Under $100 in Australia (other limits may apply outside of Australia)
To be eligible to apply, you must
To be eligible to apply, you must
Orange One Low Rate
Orange One Rewards Platinum

 
  • Be aged 18+
  • Earn $36,000 or more a year
  • Be an Australian citizen, New Zealand citizen or Australian Permanent Resident
  • Have and maintain an Australian residential address
  • Have a good credit rating and meet our credit lending guidelines
  • Either hold an active Orange Everyday, or request to open one along with your Orange One Low Rate
  • Have PAYG payslips

Note: Orange One Low Rate is currently not available to Self-employed applicants.
  • Be aged 18+
  • Earn $36,000 or more a year
  • Be an Australian citizen, New Zealand citizen or Australian Permanent Resident
  • Have and maintain an Australian residential address
  • Have a good credit rating and meet our credit lending guidelines
  • Either hold an active Orange Everyday, or request to open one along with your Orange One Rewards Platinum
  • Have PAYG payslips

Note: Orange One Rewards Platinum is currently not available to Self-employed applicants.
Open now

When you need us

For questions or anything else, we're here to help.

Contact
Here for you 133 464

ing.com.au/contactus

Address
Visit us at ING Lounge

60 Margaret Street, Sydney

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More from ING

Information and interest rates are current as at the date of this publication and are subject to change.

All applications are subject to ING's eligibility and credit assessment criteria. Fees and charges apply. Any advice in this email does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to our products you should read the relevant Terms and Conditions, Fees and Limits Schedule, Key Facts Sheet and Credit Guide available at ing.com.au. To view these documents you may need Adobe Acrobat. If you have a complaint, please call us on 133 464 at any time as we have procedures in place to help resolve any issues you have. Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823, Australian Credit Licence 229823.

Apple, the Apple App Store, iPhone, Siri and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Android, Google Pay and Google Play are registered trademarks of Google LLC. You should consider the Apple Pay Terms and Conditions and the Google Pay Visa Debit and Credit Card Terms and Conditions for ING customers when setting up mobile payments on your eligible device.

Instalment Plans

Limitations and exclusions apply to the establishment of instalments, including minimum purchase values, number and term of instalments. Each monthly instalment repayment will form part of the minimum monthly repayment due on the regular payment due date. Eligible amounts exclude portions already added to an existing instalment plan, fixed monthly instalment repayments, cash advances, fees, interest charges, and amount in arrears. Changes can be made to the period of a plan within the initial 2 years and up to 3 times. Extra repayments can be made without incurring early repayment fees. For more information please call us on 133 464 and see the Terms and Conditions.

Rebate Offers for Orange One Customers

The International Transaction Fee Rebate Offer, ING International ATM Fee Rebate Offer and Australian ATM Fee Rebate Offer will apply for the next calendar month when you perform the following during the current calendar month:

  • deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One), and
  • also make at least 5 card purchases that are settled (and not at a 'pending status') using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).

Card purchases includes in store credit or EFTPOS purchases, online purchases, regular card payments, payWave, Apple Pay and Google Pay transactions made with an Orange Everyday Visa card, Orange One Low Rate or Orange One Rewards Platinum Visa card or Nil Interest Visa card provided with an eligible ING home loan. When using the phrase 'settled' card purchases in a calendar month, we mean that the purchases made on your card must be fully processed by the end of the last day of that month. Card purchases made in store or online this current calendar month which are at a 'pending status' and do not settle until the next calendar month do not count towards the 5 card purchases needed this current calendar month.

When determining if you are eligible under the offer, we also take into account the behaviour of any of your joint account holders or additional cardholders.

Orange One customers who hold an ING Home Loan are automatically eligible for the International Transaction Fee Rebate Offer, the International ATM Fee Rebate Offer and Australian ATM Fee Rebate Offer, and are not required to meet this monthly criteria.

If eligible:

  • for ATMs in Australia - any ATM fee charged by the ATM operator is rebated immediately following the transaction,
  • for ATMs outside Australia - ING will rebate the ING International ATM withdrawal fee immediately after it is charged. ATM fees charged by international ATM operators will not be rebated. ATM transactions outside Australia can take up to 5 business days to finalise, and
  • for ING international transaction fees - ING will rebate the International Transaction fee  immediately after it is charged. Merchants may charge you a separate fee for their services (which is not rebated under this offer).

If eligible, the offer applies to all accounts held in your name (including in respect of any additional cardholder).

The ING cash advance fee is not rebated under any of these offers.

ING can change or withdraw this offer at any time with notice.