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For whatever's on the cards.

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A low 12.99% p.a. variable on purchases and cash advances

No ING International Transaction Fees

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

Orange One Low Rate Credit Card

Orange One Low Rate Credit Card

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, no ING International Transaction Fees on purchases made overseas or online.

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Why choose an ING Orange One Low Rate?

Low 12.99% p.a.

variable on purchases and cash advances.

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.

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

Lets 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.

Up to 45 days Interest Fee

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.

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.

Apply now

Rates, fees and limits

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

$48

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.

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:

  1. The greater of:
    1. 5% of the daily revolving balance as at the end of the statement cycle (excluding any amount by which your account is in arrears); or
    2. $100 or, if the daily revolving balance as at the end of the statement cycle (excluding any amount by which your Account is in arrears) is less than $100, that lesser amount; plus
  2. any instalment plan repayments due for the statement cycle; plus
  3. any amount by which your account is in arrears (other than any overlimit amount); plus
  4. any overlimit amount that exceeds the total of:
    1. any instalment plan repayments due; plus
    2. any amount by which your account is in arrears (other than any overlimit amount).

To be eligible to apply for Orange One Low Rate, you need to:
  • Be aged 18+
  • Earn $36,000 or more a year
  • Be an Australian citizen, New Zealand 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.

Terms & conditions

All the details to help you make an informed decision.

View document

Fees and limits schedule

View document
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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.

Interest rates are variable. 9.99% p.a. applies to instalments. 12.99% p.a. applies to purchases and cash advances. Interest free period available only where entire revolving balance plus monthly instalment amounts are repaid in the previous statement period.

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.

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.

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.

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.