Finder makes money from featured partners, but editorial opinions are our own.
ING Credit Cards
Compare the low rates and instalment plans that come with ING credit cards. ING also won Finder's 2023 Credit Card Provider Customer Satisfaction award.
Known for its home loan and saving accounts offers, ING also offers two products on the Australian credit card market. The ING Orange One Low Rate and Orange One Rewards Platinum credit cards are available to existing ING customers and those who open an account during the application process.
{"userFilters":[{"componentType":"MULTI-SELECT CHECKBOX","options":{"comparator":"contains","includeAllSelection":false,"defaultMatcher":"ANY","values":["0","0-99","100-199","200"],"fields":[{"label":"No annual fee","value":"0","comparator":"eq"},{"label":"$0 - $99","value":"0-99","comparator":"range"},{"label":"$100 - $199","value":"100-199","comparator":"range"},{"label":"More than $200","value":"200","comparator":"gt"}]},"dataSelector":{"recordType":"PRODUCT","fieldCode":"FEES.FEE_ANNUAL"},"dataType":"MONEY","label":"Annual Fee","order":0},{"componentType":"MULTI-SELECT CHECKBOX","options":{"comparator":"contains","includeAllSelection":false,"defaultMatcher":"ANY","values":["24","13-23","12 "],"fields":[{"label":" 24 months or more","value":"24","comparator":"gte"},{"label":"13 to 23 months","value":"13-23","comparator":"range"},{"label":"Up to 12 months","value":"12 ","comparator":"lte"}]},"dataSelector":{"recordType":"PRODUCT","fieldCode":"BALANCE_TRANSFER.BAL_TRANSFER_PERIOD"},"dataType":"NUMBER","label":"Balance transfer (months)","order":1},{"componentType":"MULTI-SELECT CHECKBOX","options":{"comparator":"contains","includeAllSelection":false,"defaultMatcher":"ANY","values":["50000","50000-100000","100000"],"fields":[{"label":"Up to 50,000","value":"50000","comparator":"lte"},{"label":"50,000 - 100,000","value":"50000-100000","comparator":"range"},{"label":"100,000 or more","value":"100000","comparator":"gt"}]},"dataSelector":{"recordType":"PRODUCT","fieldCode":"REWARDS.REWARDS_POINTS_SIGNUP"},"dataType":"NUMBER","label":"Bonus points","order":2},{"componentType":"MULTI-SELECT CHECKBOX","options":{"comparator":"contains","includeAllSelection":true,"defaultMatcher":"ANY"},"dataSelector":{"recordType":"PRODUCT","fieldCode":"REWARDS.REWARD_PROGRAM"},"dataType":"TEXT","label":"Rewards Program","order":3},{"componentType":"PROVIDER","options":null,"dataSelector":{"recordType":"PRODUCT","fieldCode":"GENERAL.PROVIDER_ID"},"dataType":"UUID","label":"Provider","order":4},{"componentType":"FULL MARKET COMPARISON","options":null,"dataSelector":{"recordType":null,"fieldCode":null},"dataType":null,"label":"Finder Partners","order":5}],"niche":{"currencySymbol":"$","decimalPoint":".","decimalPlaces":"2","thousandsSeparator":","},"prefilled":false}
Orange One Low Rate credit card
The ING Orange One Low Rate credit card is a no annual fee card that can help you cut costs on standard credit card rates. The card has a low purchase and cash advance rate of 11.99% p.a., but also offers a 9.99% p.a. instalment plan for large purchases. Plus, if you pay your balance in full before the end of the statement period, you can also take advantage of up to 45 interest-free days on purchases.
The card also comes equipped with Apple Pay functionality for mobile contactless purchases with your Apple devices.
Orange One Rewards Platinum credit card
ING also offers a platinum version of the Orange One Low Rate credit card. To receive an Orange One Rewards Platinum, you'll need to be approved for a credit limit of at least $6,000. The Platinum version of the card offers complimentary travel insurance and a cashback offer of 1% on your spend (up to $30 a month).
Benefits of an ING credit card
No annual fee. If you opt for the Orange One Low Rate credit card, you won't have to pay an annual fee for the life of the card.
Foreign currency conversion fee rebate. You don't have to worry about the international transaction fee when you shop online or overseas. You just need to deposit $1,000 into your ING account (excluding Living Super and Orange One) and make at least five eligible transactions in the previous calendar month to receive a 100% foreign currency conversion fee rebate.
Low variable interest rates. Both of the ING products are low interest rate credit cards that boast relatively competitive interest rates on purchases and cash advances alike.
Digital wallet. You can use your Orange One credit card to make contactless payments with your Apple devices thanks to Apple Pay.
Cashback. Platinum cardholders can enjoy 1% cashback (up to $30 a month) on their spend per statement period.
Instalment plans. If you need to make a big ticket purchase, you can take advantage of an instalment plan to pay off a specific purchase with a lower variable purchase rate.
Visa exclusives. As a Visa cardholder, you’ll also enjoy benefits such as Visa Entertainment, which offers access to exclusive perks including competitions, presale concert ticket access, entertainment discounts and more.
Security. You can shop with peace of mind thanks to Visa security measures such as Shop Safe Online, Visa Secure and Security Sense.
When can I apply for an ING credit card?
You can apply for either the ING Orange One Low Rate or ING Orange One Rewards Platinum credit card online. However, you'll need to meet eligibility requirements (including income, residential and credit rating criteria) to receive approval. You can check out the individual reviews of these cards for the specific information regarding the eligibility requirements and the documents you'll need to provide to apply.
Sally McMullen was a creative content producer at Finder. Sally wrote about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong. See full bio
Do you consider aged pensioners favourably for a credit card applications or do you just outright refuse them a credit card like most or all of the other banking institutions.
Finder
SarahJanuary 10, 2024Finder
Hi Eleanore,
We’re a comparison site and we’re not affiliated with ING, so we can’t provide any guidance on this. However we can confirm that when you apply for a credit card, the lender will assess your ability to repay the debt. This means they will review your sources of income. If the pension is your only source of income, this may limit the number of banks willing to lend to you, but there are many that want your business. You can review some of the options here.
Hope this helps!
JulieJune 11, 2019
Does Ing credit card offer interest free balance transfers?
NikkiJune 11, 2019
Hi Julie,
Thanks for your inquiry.
As of this writing, ING doesn’t have a list of credit cards that offer a 0% balance transfer. You may instead refer to our list of 0% purchase and balance transfer credit cards. You can use our comparison table to help you find the card that suits you. You can also check which bank you can balance transfer to because credit card issuers have transfer restrictions around balance transfers from other credit cards.
As a friendly reminder, read the eligibility criteria, features, and details of the card, as well as the Product Disclosure Statement and Terms and Conditions of the card before committing to the product.
Hope this helps!
Best,
Nikki
shelbyJune 6, 2018
does the platinum card offer car rental insurance coverage?
NikkiJune 6, 2018
Hi Shelby,
Thanks for getting in touch!
ING Credit Card offers complimentary travel insurance at the moment.
While we can provide you with general information, please note that we’re a product comparison website and we do not represent any company we feature on our site. We’re here to assist you in your buying decision process hence we cannot recommend product / service that is rightfully fit for you.
Hope this helps.
Regards,
Nikki
JeffApril 4, 2018
If i transfer money to a credit Cardi, how long does it take for it to be visible and ready to be used?
Finder
MayApril 4, 2018Finder
Hi Jeff,
Thanks for your inquiry.
With credit card balance transfer, usually, it will take 10-15 minutes to complete the application. If you’re approved, it can take between 5 to 10 business days for the balance to move to your new account.
Please note that you’re transferring the debt from your old card to your new BT credit card, so depending on how much is the remaining credit limit in your account after the transfer, that’s the amount you can use for your purchases or CA. You can learn more about balance transfer.
Cheers,
May
Feedback
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Do you consider aged pensioners favourably for a credit card applications or do you just outright refuse them a credit card like most or all of the other banking institutions.
Hi Eleanore,
We’re a comparison site and we’re not affiliated with ING, so we can’t provide any guidance on this. However we can confirm that when you apply for a credit card, the lender will assess your ability to repay the debt. This means they will review your sources of income. If the pension is your only source of income, this may limit the number of banks willing to lend to you, but there are many that want your business. You can review some of the options here.
Hope this helps!
Does Ing credit card offer interest free balance transfers?
Hi Julie,
Thanks for your inquiry.
As of this writing, ING doesn’t have a list of credit cards that offer a 0% balance transfer. You may instead refer to our list of 0% purchase and balance transfer credit cards. You can use our comparison table to help you find the card that suits you. You can also check which bank you can balance transfer to because credit card issuers have transfer restrictions around balance transfers from other credit cards.
As a friendly reminder, read the eligibility criteria, features, and details of the card, as well as the Product Disclosure Statement and Terms and Conditions of the card before committing to the product.
Hope this helps!
Best,
Nikki
does the platinum card offer car rental insurance coverage?
Hi Shelby,
Thanks for getting in touch!
ING Credit Card offers complimentary travel insurance at the moment.
While we can provide you with general information, please note that we’re a product comparison website and we do not represent any company we feature on our site. We’re here to assist you in your buying decision process hence we cannot recommend product / service that is rightfully fit for you.
Hope this helps.
Regards,
Nikki
If i transfer money to a credit Cardi, how long does it take for it to be visible and ready to be used?
Hi Jeff,
Thanks for your inquiry.
With credit card balance transfer, usually, it will take 10-15 minutes to complete the application. If you’re approved, it can take between 5 to 10 business days for the balance to move to your new account.
Please note that you’re transferring the debt from your old card to your new BT credit card, so depending on how much is the remaining credit limit in your account after the transfer, that’s the amount you can use for your purchases or CA. You can learn more about balance transfer.
Cheers,
May