How to Apply for your ING Orange One Low Rate

If you’re searching for a practical, cost-effective, and digitally advanced credit card solution in Australia, the ING Orange One Low Rate Credit Card may be the option that stands out. Designed for Australians who want to keep borrowing costs under control, this card seamlessly blends a consistently low interest rate, transparent fees, and best-in-class digital banking tools. Issued by ING Australia—a trailblazer in digital banking—this card is tailored for people who wish to avoid unnecessary fees yet desire robust features for everyday convenience.

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Whether you plan to carry a balance occasionally, want relief from excessive fees, or require modern payment functionality like Apple Pay and Google Pay, this card offers what many cost-focused consumers seek. The Mastercard network ensures acceptance Australia-wide and globally, while robust security, card-lock, instant PIN changes, and ING’s 24/7 fraud monitoring deliver additional peace of mind.

The Orange One Low Rate Credit Card is an exceptionally good choice for people who value straightforward terms and minimal hidden surprises. If managing your money digitally and efficiently is a priority, this card’s integration with the ING mobile app (available for Android and iOS) will make your daily finances smoother than ever before.

Advantages of the ING Orange One Low Rate Credit Card

The ING Orange One Low Rate Credit Card delivers competitive advantages ideal for budget-conscious Australians. Its headline feature is a low 12.99% p.a. (variable) rate for purchases and cash advances—substantially undercutting many mainstream credit cards—while offering flexible repayment options and up to 45 days interest-free if you clear your balance in full each month.

Another advantage is the ING Pocket Perks program, which regularly loads your card with cashback offers from over 80 leading brands—without the complexity of a traditional points program. There’s also zero ING international transaction fees, making this card attractive for global online shopping and overseas travel. With instalment plans available at an even lower 9.99% p.a., large purchases become more manageable.

Digital convenience, automatic repayments, and 24/7 customer protection make card management remarkably simple. The ING app gives you instant control to lock your card, reset your PIN, and track every dollar in real-time.

Comprehensive List of Card Benefits

• Low, Stable Interest Rate: 12.99% p.a. (variable) on purchases and cash advances, keeping ongoing costs in check.
• Interest-Free Days: Up to 45 days interest-free provided you pay off the full balance (including instalments) each statement period.
• Instalment Plans: Eligible purchases can be paid off in instalments at 9.99% p.a.—ideal for budgeting larger expenses.
• ING Pocket Perks: Simple cashback program, adding real savings when you shop with select merchants and meet offer criteria.
• No ING International Transaction Fees: Great for globetrotters and international online shoppers—ING waives its fee, though merchant/ATM fees may still apply on withdrawals.
• Digital Wallet Compatibility: Google Pay and Apple Pay support for fast, secure contactless payments.
• Autopay Options: Set up repayments to cover minimum or full balances automatically from your linked ING account.
• Security and Control: Freeze or unfreeze your card, change your PIN instantly via the ING app, and benefit from 24/7 fraud monitoring.
• Global Use: Mastercard acceptance means you can use your card worldwide, online or in-store.
• Optional Travel Insurance (Platinum only): If approved for a $6,000+ limit, receive complimentary international travel insurance.

Eligibility and Requirements

• Must be 18 years or older.
• Australian citizen, permanent resident, or New Zealand citizen living in Australia.
• Minimum pre-tax income of $36,000/year.
• Have and maintain an Australian residential address.
• Hold an active ING Orange Everyday bank account (or open one during application).
• Provide acceptable identification (driver’s licence, passport, or Medicare card) and supporting financial documents (e.g., payslips, bank statements).
• Note: Not available to self-employed applicants at this time.
• Good credit rating and ability to meet ING’s lending criteria.

About ING Australia

ING Australia, a subsidiary of the global ING Group based in the Netherlands, has been a fixture of the Australian finance sector since 1999. Pioneering digital banking Down Under, ING revolutionised consumer banking with its “branchless” approach—quickly becoming Australia’s largest bank without physical branches.

By 2024, ING services more than 2.5 million customers nationwide, offering a robust suite of financial products including savings, everyday banking, loans, insurance, and several credit card solutions. Its user-centric mobile and online banking platforms rank exceptionally high for ease-of-use, security, and transparency. ING continues to receive accolades from customers and industry bodies for its innovation, low fee structures, and exemplary customer service.

You can learn more about ING’s offerings and their full digital experience by visiting their official website.

Who Is This Card For?

This card is best suited to value-driven applicants looking for a straightforward, cost-effective credit card. Typical customers include young professionals, families who want to cut credit card interest and fees, frequent online shoppers, and tech-savvy users who prioritise digital banking tools over premium perks. If you appreciate simple rewards, low international fees, and full control via your smartphone, the ING Orange One Low Rate Credit Card will likely fit your financial lifestyle.

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Reward Program and Privileges

The ING Pocket Perks cashback program is seamlessly integrated into your card and app experience. Unlike complicated points schemes, Pocket Perks provides automatic cashback on eligible purchases when you meet special partner offers—over 80 brands participate, and offers update regularly. Cashbacks are generally processed within 7 days of a qualifying purchase, credited directly to your card’s balance.

Additionally, promotions such as “Cashback Moments” can award instant cash prizes (up to $10,000) just for making everyday purchases during specific periods. For customers with a Platinum card (credit limits of $6,000+), complimentary international travel insurance is available, elevating the card’s value for frequent overseas travellers.

Further privileges include Mastercard’s global acceptance, easy digital card management, and zero ING international transaction and ATM fees, making it competitively positioned among Australia’s low-rate credit cards.

Credit Limits

• Minimum Credit Limit: $1,000 (Classic), $6,000 (Platinum)
• Maximum Credit Limit: $5,999 (Classic), $30,000 (Platinum)

Highlights: The card’s low starting limit makes it accessible for budget-conscious users, while higher limits—subject to approval—grant access to extra privileges (like travel insurance). Credit limit increases are based on your ability to repay and ING’s responsible lending assessment.

Step-by-Step Guide to Apply for the ING Orange One Low Rate Credit Card

1. Ensure you meet the eligibility criteria: 18+, $36,000+ annual income, Australian/NZ citizenship or permanent residency, Australian address, good credit, and not self-employed.
2. Visit the official ING Orange One Low Rate application page or use this button:
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3. Select whether you’re an existing ING customer or a new customer.
4. Follow the prompts to complete the online application, providing details such as personal identification, proof of income, and your financial situation (have payslips, tax returns or bank statements handy).
5. If you don’t have an ING Orange Everyday account, request one during the application process.
6. Submit your application online. ING may contact you by phone or email for additional documents.
7. If approved, receive your card within 5-7 business days at your nominated address.
8. Activate your card via the ING app (available for Android and iOS) or via ING online banking.

Pros and Cons

Pros:

• Low, transparent interest rates on purchases and cash advances.
• No ING international transaction fees or ATM fees.
• Simple, rewarding cashback without complex points management.
• Easy-to-use mobile and web banking—including card management, spending insights, and security features.
• Access to instalment plans for large expenses at a lower rate.

Cons:

• Annual fee of $48, although lower than many premium cards, is not waived.
• No traditional points, airline miles or luxury travel privileges, focusing instead on practicality.
• Not available to self-employed or sole traders.
• Cash advance fees and high cash advance interest apply like with most credit cards.
• To obtain travel insurance benefits, a $6,000+ limit (Platinum card) is needed.

How to Activate the Card

Once your physical card arrives, simply log into the ING app or your online banking profile. Locate your new card under the “cards” section and follow the steps to activate—set your PIN, and begin using for online or in-store payments immediately. You can also add the card to Apple Pay or Google Pay instantly for contactless payments.

Fees and Charges

• Annual fee: $48 (charged annually, whether Classic or Platinum)
• Purchase rate: 12.99% p.a. variable
• Instalments: 9.99% p.a. variable (where eligible)
• Interest-free period: up to 45 days on purchases if the statement balance is paid in full
• Cash advance rate: 12.99% p.a. variable
• Cash advance fee: Greater of $3 or 3% of the cash advance amount
• Late payment fee: $30
• Additional cardholder: $10/year per extra card
• Over limit fee: $0
• Replacement card (in Australia or overseas): Free
• International transaction fee: $0 (for ING, third-party ATM fees may apply)

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Customer Service Channels

For support, ING offers a range of contact options, including:

• 24/7 secure messaging via the ING app or online banking
• Phone: 133 464 (within Australia) or +61 2 9028 4077 (overseas)
• Contact and support page: Contact us | ING

The ING app is also available for download via Google Play and Apple App Store, providing a hub for messaging, security settings, and everyday card management.