A low 12.99% p.a. variable on purchases and cash advances
No ING International Transaction Fees for eligible customers
Instalment plans with a lower rate of 9.99% p.a. variable
Snapping up an online bargain. Getting your garden next level. Replacing that old fridge in the kitchen. Whether you've got one big thing on the cards or lots of little things, Orange One Low Rate can help you get there.
It comes value packed with a low rate on purchases and flexible instalment plans. Plus if you're eligible, no ING International Transaction Fees on purchases made overseas or online.
Apply nowvariable on purchases and cash advances.
when you shop online and overseas. 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.
When you are approved for a credit limit of $6,000 or more. Eligibility and conditions apply to cover.
Let's you pay in fixed monthly instalments on eligible amounts of $250 or more, making payments easy to manage. Instalment plans are available from 3 months up to 7 years, with a maximum of 10 plans per account. Conditions apply.
Short term financing on your purchases, when you pay the balance of your monthly statement in full (excluding instalment plans of course). It's ongoing finance that you can dip into whenever you need it.
to ensure you don't exceed your spending limit.
The Orange One Low Rate ins and outs made plain and simple.
Purchases | 12.99% p.a. variable |
Interest free period | Up to 45 days interest free |
Instalments | 9.99% p.a. variable |
Cash advances | 12.99% p.a. variable |
Annual fee | $0 ($48 Annual Fee will be introduced on all Orange One Low Rate Credit Card accounts from 21 July 2025) |
Late payment fee | $30 |
Over limit fee | $0 |
Additional cardholder | $10/year per additional card |
Dishonours | $0 |
Replacement card (in Australia or overseas) | Free |
Emergency replacement card | Free |
Voucher request | $10 |
Cash advance fee | The greater of $3 or 3% of the cash advance amount. |
International transaction fee (payable to us):
|
3% of transaction amount. |
International ATM withdrawal | $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:
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:
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 fee when eligibility criteria is met.
Offer will apply for the next calendar month when you perform the following during the current calendar month:
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. |
Minimum credit limit | $1,000 |
Maximum credit limit | $30,000 |
Cash advances | 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) |
Minimum repayments |
Each statement cycle, your minimum repayment will be the total of:
|
To be eligible to apply for Orange One Low Rate, you need to: |
Note: Orange One Low Rate is currently not available to Self-employed applicants. |