ING
Choose between low rates or cashback rewards, travel perks, and no overseas fees. Flexible limits and mobile payments make managing spending easy and rewarding.
The ING Orange One credit cards offer attractive options, ideal for various Australian lifestyles. The Low Rate card boasts lower annual fees and accessible limits, while the Rewards Platinum adds cashback and travel insurance perks.
For the Low Rate Classic, the minimum credit limit is $1,000 with an annual fee of $48, scaling up to $30,000 on the Platinum tier. The Rewards Platinum card demands a $6,000 minimum limit, annual fee of $149, and both cards provide up to 45 days interest free on purchases. Both offer variable interest rates, so it’s wise for applicants to review current rate details.
How to Apply: Step by Step
Applying is simple, starting with eligibility checks. You need to be at least 18, earn $36,000 a year, and be a resident or citizen with an Australian address.
Gather your PAYG payslips and ensure you have an active Orange Everyday bank account. You can open one during the credit card application if needed.
Visit ING’s online application portal, fill in your details, submit your documents, and choose the card type and limit that suits you.
Expect a response after ING reviews your credit profile and documents. If approved, the card will be on its way to you soon.
Top Advantages
Both ING cards offer no international transaction or ATM fees, ideal for those who shop online or travel.
Rewards Platinum cardholders benefit from up to $30 back per month with cashback rewards, as well as complimentary travel insurance when eligible.
Every cardholder enjoys mobile payment options, automated repayments, and spending limit management.
Flexible Instalment options make managing bigger purchases much simpler for all users.
Pocket Perks provide extra value, with cashback offers loaded regularly onto your card for extra savings.
Potential Disadvantages
The Rewards Platinum comes with a relatively high annual fee of $149, which may not suit those seeking a no-frills experience.
Minimum income and credit limit requirements can be restrictive, especially for students, casuals, or low spenders.
Variable interest rates mean costs may change as economic conditions fluctuate. It’s important to confirm current rates when you apply.
To earn the maximum rewards and travel insurance, spending needs to be consistent and the minimum eligible limits must be met.
Physical card replacements are free, but misplaced vouchers or cash advances do attract fees, which can add up for frequent users.
The Verdict
ING’s Orange One credit cards shine if you want a blend of everyday practicality and valuable perks, especially for travellers and savvy spenders. The low fee Low Rate option suits careful budgeters, while Rewards Platinum delivers extra value for those able to meet the higher limits and fees. If you appreciate cashbacks, travel insurance, and no international fees, either card will fit nicely in your wallet.