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No ING International Transaction Fees.

Low Interest Rate.

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

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 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 no ING International Transaction Fees when shopping online or overseas.

Apply now

No ING international transaction fees

$0 ING international transaction fees when you shop online and overseas.

Complimentary international travel insurance

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

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.

Earn cashback with ING Pocket Perks

Earn cashback with ING Pocket Perks. A loyalty program that gives back to you, literally, with built-in cashback offers.

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 no ING International Transaction Fees when you shop overseas or online.

Apply now

No ING international transaction fees

$0 ING international transaction fees when you shop online and overseas.

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.

Earn cashback with ING Pocket Perks

Earn cashback with ING Pocket Perks. A loyalty program that gives back to you, literally, with built-in cashback offers.

Automatic repayments

Automatic repayments from eligible ING accounts.

Say goodbye to ING international transaction fees

With Orange One, eligible customers can avoid paying ING international transaction fees when shopping overseas or online.

No ING international transaction fees?

Some credit cards will sting you with international transaction fees when you shop overseas or online. But not Orange One.

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Apply now

What you need to know before you apply.

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.
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.
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 $200 in Australia (other limits may apply outside of Australia)

Under $200 in Australia (other limits may apply outside of Australia)
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For questions or anything else, we're here to help.

Here for you

ing.com.au/contactus

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More from ING

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 communication 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, Credit Guide, Cashback Rewards Terms and Conditions, Complimentary Insurance Terms and Conditions and Target Market Determinations 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.

Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823.

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.

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 Autopay Account (e.g. not been suspended or closed), you can earn 1% cashback (up to a maximum of $30 per month per Account) on eligible purchases made with your Orange One Rewards Platinum Credit Card. The cashback entitlement is calculated monthly and paid to the linked ING Autopay Account one calendar day after the due date of the minimum monthly credit card repayment. The cashback does not reduce the minimum monthly credit card repayment obligations.

Cashback will not be payable for any:

  • Cash Advances; or
  • Amounts that are subsequently re-credited to your Account by way of refunds. Any purchases refunded to your Account will be removed from the total of your eligible cashback balance; or
  • Spending which, in any one month, exceeds your Credit Limit; or
  • BPAY transactions

Cashback is subject to the Orange One Rewards Platinum - Cashback Terms and Conditions and subject to these Terms and Conditions ING may change or cancel these 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, exclusions, limits and applicable sub-limits 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.

ING Pocket Perks

ING Pocket Perks is a rewards program for Orange Everyday Debit Card holders and Orange One Card holders aged 18 years and older. Each debit or credit card you hold will automatically be enrolled into ING Pocket Perks. ING Pocket Perks offers are subject to specific eligibility requirements set by the merchant providing the offer, and these details will be displayed in the 'Offers' section of the ING app. Cashback is usually credited within 7 days of a qualifying purchase being fully processed. ING Pocket Perks offers are also subject to the Orange Everyday Terms & Conditions or Orange One Terms & Conditions that correlate to the card you hold. Offer information displayed in the ING App is provided by participating merchants. ING makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the offer information. Offers are for a limited time only and subject to change.

Each Orange Everyday and Orange One card you hold will be automatically enrolled into ING Pocket Perks. Enrolment usually happens within 24 hours of card activation, however in some rare cases it could take up to 90 days. You can make sure that your card is enrolled by logging into the ING App, navigating to your card, then selecting "ING Pocket Perks".

ING uses your personal information (including transactional data) for data analytics and to communicate with you regarding products, services and promotions that we think would be of interest to you. See our Privacy Policy at ing.com.au for more information on how ING handles your personal information.

Cashback payments may have tax implications, we recommend you seek tax advice from an independent tax advisor.

For full terms and conditions, see the Orange Everyday Terms and Conditions and Fees and Limits schedule, Orange Everyday Target Market Determination and the agreed utility supplier list at ing.com.au.

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.