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 for eligible customers

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

do your thing
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 if you're eligible, no ING International Transaction Fees on purchases made overseas or online.

Apply now

Why choose an ING Orange One Low Rate?

Low 12.99% p.a.

variable on purchases and cash advances.

No ING International Transaction Fees

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.

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.

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.

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.

Notifications

to ensure you don't exceed your spending limit.

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Rates, fees and limits

The Orange One Low Rate ins and outs made plain and simple.

Interest rates
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):
  • 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.
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:

  • deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One), and
  • make at least 5 card purchases that are settled (not pending) 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 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).

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:

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

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:
  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.

Fees and limits schedule

All the latest fees and limits for your credit card.

Apply now
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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 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

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.

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

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.