How to apply for your ING Orange One Low Rate

The Orange One Low Rate credit card from ING is a smart solution for those looking to manage their spending with ease while also saving money. This card combines technology, security and affordable rates to deliver a complete and transparent service — ideal for the modern consumer.

With no annual fee, low interest rates and an international travel bonus, it’s designed to make managing your finances simpler.

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All the benefits of the Orange One Low Rate

Here’s everything you need to know about this feature-packed product from ING Australia:

• No annual fee – no catches: You won’t pay any ongoing fees just to keep your card active.
• Competitive interest rates: 12.99% p.a. on purchases and cash advances, and just 9.99% p.a. on instalment plans.
• Save on international purchases: Meet the monthly requirements (deposit $ 1,000+ and make 5+ settled card purchases) and you won’t pay any international transaction fees.
• Low-interest instalments: Split larger purchases into instalments and pay less over time.
• Easy digital payments: Compatible with Apple Pay and Google Pay for added everyday convenience.
• Automatic repayments: Set up direct debit payments (minimum or full amount) straight from your ING account.
• Full digital control: Track spending, limits, statements and settings easily through the ING app.
• High-level security: Biometric login and advanced data protection technologies.

Eligibility requirements

Like any financial product or service, there are certain requirements you’ll need to meet to be eligible for the Orange One Low Rate credit card. You must:

• Be at least 18 years old and able to provide valid identification;
• Be an Australian or New Zealand citizen, or a permanent resident, with proof of a residential address in Australia;
• Have a minimum gross annual income of $ 36,000 (before tax);
• Have a good credit history and meet ING’s credit assessment criteria;
• Hold (or open) an ING Orange Everyday account.

Please note: This card is currently only available to employed applicants. It is not available to self-employed individuals at this time.

About the Bank

ING Bank (Australia) Limited is part of the global ING Group, headquartered in the Netherlands. In the Australian market, ING has been a pioneer in online banking, holding a full banking licence since 1994. In 1999, it officially launched its retail operations with the introduction of a high-interest, fee-free online savings account — a product that marked its entry as a digital bank for everyday Australians.

Today, ING serves over two million customers across a diverse range of services, from credit and lending to superannuation. The bank is widely recognised for its simple, digital, and customer-first approach. ING is regulated by the Australian Prudential Regulation Authority (APRA).

Who is this card for?

So, is this card a good fit for your finances? The Orange One Low Rate credit card is a smart choice for:

• People who value financial control and want to avoid annual fees;
• Shoppers who frequently buy online, including from international retailers;
• Those who prefer convenience through digital tools and mobile payments;
• Cardholders looking to spread out purchases with fair interest rates.

Step-by-step guide to apply for and activate your credit card

If you like what this card has to offer and think it could be the right fit for your spending, here’s how to apply and get started:

How to apply for this card?

• Make sure you meet the eligibility criteria and have the necessary documents ready;
• Visit the ING website and complete the online application — you’ll need to have (or open) an Orange Everyday account;
• Upload your ID and proof of income and residency:
  • Driver’s licence, passport or Medicare card;
  • PAYG payslips;
  • Income statements;
  • Bank statements;
  • Tax returns;
• Wait for your credit check to be completed and for your new credit card to arrive in the mail.

How to activate your card?

Once your physical card arrives, you can activate it directly in the ING app. Just head to the Cards section, select your Orange One Low Rate card, and follow the prompts to activate. The process is quick, simple and fully digital.

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Pros and cons of the ING Orange One Low Rate

Let’s take another look at some key features of this credit card to help you make a more informed decision:

Pros:

• No annual fee at all;
• Lower interest rates than the market average;
• No international transaction fees for eligible customers;
• Supports digital wallet payments;
• Easy management through the ING app;
• Automated payments and advanced security features.

Cons:

• Minimum income requirement of AUD 36,000 per year;
• Not available to self-employed applicants;
• Requires a good credit rating;
• Doesn’t offer premium perks like cashback or travel insurance;
• Must be linked to an ING Orange Everyday account.

Fees and charges for the Orange One Low Rate credit card

While the Orange One Low Rate card comes with no annual fee and lower interest rates, there are still a few costs to keep in mind. Here’s a breakdown:

• Purchase and cash advance interest rate: 12.99% p.a. (variable);
• Instalment plan interest rate: 9.99% p.a. (variable);
• Late payment fee: $30;
• Interest-free period: Up to 45 days (when the statement is paid in full);
• International transaction fee: Waived for customers who meet monthly criteria, otherwise 3% of the transaction amount;
• Cash advance fee: $3 or 3% of the withdrawal amount (for international withdrawals: $5 flat fee).

Customer support

ING offers comprehensive, multi-channel customer service:

• ING app: Secure messaging with responses within 24 hours;
• Phone support: Available 24/7 by calling 133 464 (or +61 2 9028 4077 from overseas);
• Specialist support: Dedicated channels for emergencies, fraud, or account closure due to death;
• Online portal: Includes FAQs, documents, and terms and conditions.

In addition, the bank follows proactive security practices, such as sending alerts about scam attempts and never requesting sensitive information via phone or SMS.

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