Orange One Low Rate
Credit & Charge CardsData Sharing Status
The credit card that gives you a low interest rate plus no ING international transaction fees when you shop overseas or online.
- Purchase rate
- 12.99%
- Annual fee
- $48.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Discount Use instalment plans to pay off your purchases over time at a lower interest rate. | 9.99% | — | — |
| Cash advance | 12.99% | — | — |
| Purchase | 12.99% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Annual fee Charged yearly | Ongoing | $48.00 |
| Late payment fee | Late payment | $30.00 |
| Additional card holder fee Charged yearly · $10/year per additional card. | Ongoing | $10.00 |
| International transactions Pay no ING fees on international transactions (online, overseas and over the phone) | Transaction | 0% of transaction |
| International ATM withdrawal ATM operators may charge you a fee which won’t be rebated. | Withdrawal | $0.00 |
| Cash advance fee The greater of $3 or 3% of the cash advance amount. | Cash advance | 3% of transaction |
Features
- Card access — Visa Credit Card
- Available worldwide where Visa is accepted and EFTPOS is available.
- Unlimited transactions
- Unlimited electronic transactions.
- Digital wallet — Apple Pay
- Leave your wallet at home and pay the easy way with Apple Pay.
- Digital banking
- Bill payment (BPAY) — BPAY
- Make payments the easy way.
- Notifications — Transaction notification
- Receive SMS or email notifications when your balance moves above or below an amount you’ve specified, or when a withdrawal or deposit is above an amount you’ve specified.
Eligibility
- Minimum age — 18 yearsYou must be aged 18 or over.
- Minimum income — $36,000.00 p.a.You must meet any salary or regular deposit condition that we advise at the time you apply.
- Residency status — AUAvailable to Australian citizen or Australian permanent resident.
- Residency status — NZAvailable to New Zealand citizen.
- Have and maintain an Australian residential address.
- You need to hold, or have applied for, an ING Orange Everyday Transaction Account at the time you apply.
- Monthly Auto-Pay from a linked ING account for the Minimum or Full Amount.
Constraints
- Minimum limit — $1,000.00
- Maximum limit — $30,000.00
More Information
Published by ING BANK (Australia) Ltd under the Consumer Data Right · Last updated 6 July 2026 · Product ID 5031dc6b-6993-4de1-8e0b-a96de30c2f28 · View on CDR.gov.au