---
title: "Orange One Low Rate — ING BANK (Australia) Ltd"
description: "Credit & Charge Cards from ING BANK (Australia) Ltd. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/ing-bank-australia-ltd/products/5031dc6b-6993-4de1-8e0b-a96de30c2f28
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-11T06:21:03.003Z
---

# Orange One Low Rate — ING BANK (Australia) Ltd

> Credit & Charge Cards from ING BANK (Australia) Ltd. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards**

The credit card that gives you a low interest rate plus no ING international transaction fees when you shop overseas or online.

## At a glance

- **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 |

## Instalment plans

- **Plan splits** — 3–84 instalments
- **Concurrent plans** — Up to 10
- **Minimum plan value** — $250.00

## 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.)
- **Additional cards** — up to 3 (You can ask us to issue a Visa Credit Card to up to 3 Additional Cardholders.)
- **Interest-free period** — 45 days (Up to 45 days interest free on purchases.)
- **Use instalment plans to pay off your purchases over time at a lower interest rate - making them easier to plan and manage.**
- **Digital wallet** — Google Pay (Leave your wallet at home and pay the easy way with Google Pay.)

## Eligibility

- **Minimum age** — 18 years (You 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** — AU (Available to Australian citizen or Australian permanent resident.)
- **Residency status** — NZ (Available 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 from ING BANK (Australia) Ltd

- [Overview](https://www.ing.com.au/credit-cards/orange-one.html)

## Data provenance

- Published by ING BANK (Australia) Ltd under the Consumer Data Right
- Product ID: `5031dc6b-6993-4de1-8e0b-a96de30c2f28`
- Last updated by the provider: 11 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/ing-bank-australia-ltd/5031dc6b-6993-4de1-8e0b-a96de30c2f28
- Provider page: https://www.cdrcompare.au/brands/ing-bank-australia-ltd
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000026

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/ing-bank-australia-ltd/products/5031dc6b-6993-4de1-8e0b-a96de30c2f28) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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