From 15/10/2025, Orange One customers will automatically get access to $0 ING international transaction fees - all without needing to meet any monthly eligibility requirements.

Existing Orange One benefits will continue to apply up until 14 October 2025 for customers that met the eligibility criteria in September 2025.

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Low interest rate 12.99% p.a. variable on purchases.

No ING International Transaction Fees for eligible customers.

Complimentary international travel insurance. T&C apply.

Orange One cards

Which one is right for you?

Want a credit card with a low rate? 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

Spend smarter, with a low interest rate and, if eligible, no ING International Transaction Fees when shopping online or overseas.

Apply now

Low interest rate

12.99% p.a. variable on purchases.

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.

Instalment plans

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

Complimentary international travel insurance

When you are approved for a credit limit of $6,000 or more. Eligibility and conditions apply to cover.

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

1% cashback

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

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.

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.
Orange One Rewards Platinum card

Orange One Rewards Platinum

Platinum credit card with cashback rewards.

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

Complimentary international travel insurance

(When you are approved for a credit limit of $6,000 or more. Eligibility and conditions apply to cover.)

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 card

Orange One Low Rate

Low rate credit card.
Orange One Rewards Platinum card

Orange One Rewards Platinum

Platinum credit card with cashback rewards.

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

$48

$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.

Australian ATM Fee Rebate Offer

$5.00

$5.00

International ATM withdrawal

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 card

Orange One Low Rate

Low rate credit card.
Orange One Rewards Platinum card

Orange One Rewards Platinum

Platinum credit card with cashback rewards.

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)
Orange One Low Rate card

Orange One Low Rate

Low rate credit card.
Orange One Rewards Platinum card

Orange One Rewards Platinum

Platinum credit card with cashback rewards.

To be eligible to apply, you must

  • 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.
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Important information

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, charges and eligibility 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.

Orange One Low Rate customers approved for a credit limit of $6,000 or more will receive an Orange One Low Rate Platinum card with access to complimentary international travel insurance. Fees and charges are the same for both Orange One Low Rate Classic and Low Rate Platinum.

Orange One Instalment Plans

Limitations and exclusions apply to the establishment of instalment plans, including minimum purchase values, number and term of instalment plans. 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.

Rebate Offers for Orange One Customers prior to the 15/10/2025. Please refer to the ING website for more information about the updates to benefits for Orange One customers.

The Australian ATM Fee rebate offer, and ING International Transaction Fee rebate offer will apply for the next calendar month when you meet the following eligibility criteria 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).

Orange One customers who hold an ING Home Loan are automatically eligible for this offer and are not required to meet this monthly criteria.

Under this offer, each month that you're eligible you'll receive the following on your Orange One accounts:

  • Unlimited rebates on the ING International Transaction Fee; and
  • Unlimited rebates on the ATM withdrawal fees charged (Domestic and International) on the account (excludes international ATM operator fees).

The ING cash advance fee for Orange One customers is not rebated under this offer.

ING may change or withdraw this offer any time with notice. For more information on this offer, including the Orange One Fees and Limits Schedule, visit ing.com.au.

1% cashback

Where you hold an active Orange One Rewards Platinum Credit Card Account and an active linked Orange Everyday Account (i.e. not been suspended or closed), you can earn 1% cashback up to a maximum cashback entitlement of $30 per month per Account when you make eligible purchases^ on your Orange One Rewards Platinum Credit Card. The cashback entitlement will be calculated monthly and will be paid to your linked ING Orange Everyday Account one calendar day after the date you are required to make your minimum monthly credit card repayment. The cashback does not reduce your minimum monthly credit card repayment obligations.

^Eligible purchases include card purchases made in store or online, EFTPOS purchases, contactless, Apple Pay and Google Pay transactions made with Orange One Rewards Platinum Visa card, but excludes cash transactions (including cash withdrawals from an ATM or over the counter at a bank or cash provider, pseudo cash transactions e.g. gambling, mobile phone top ups and foreign currency and travellers cheques), interest, default charges, insurance premiums and other fees and charges debited to your Orange One Rewards Platinum Account, amounts re-credited or refunded. Any purchases refunded will be removed from the calculation for the cashback, any transactions which result in spending that exceeds the credit limit in any one month and BPay transactions.

Subject to Orange One Rewards Platinum Cashback Terms and Conditions, ING can change or cancel Orange One Rewards Platinum Benefits at any time.

Complimentary international travel insurance

AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to ING Bank (Australia) Limited ABN 24 000 893 292 AFSL and Australian credit licence 229823 (ING) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the ING card insurances is available to eligible ING cardholders and other eligible third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Terms, conditions, limits and exclusions apply. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. ING does not guarantee this insurance.

If you have a complaint, we have procedures in place to help resolve any issues you may have. For the best ways to contact us, visit at ing.com.au/contactus.

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 Terms and Conditions for ING customers when setting up mobile payments on your eligible device.