ING Orange One Low Rate Credit Card: See what you need to know

04/14/2025 • Fabio Henrique • Personal Finance

Are you in Australia searching for a low-cost credit card option that doesnt compromise on convenience?

The ING Orange One Low Rate Credit Card might be what you need: this credit card boasts no annual fee and a remarkably low interest rate.

Notably, this card also offers opportunities for individuals with a blemished credit history, proving useful in helping rebuild credit profiles with responsible use.

No annual fee
Low interest rate of 11.99% p.a. on purchases and cash advances
Instalment plans with reduced rates
No international transaction fees under specific conditions
Compatibility with digital payment options

In this guide, we'll take a closer look at its benefits, eligibility criteria, and how it can fit your financial lifestyle.

Key Benefits of the ING Orange One Low Rate Credit Card

Highlighting its user-friendly features, the ING Orange One Low Rate Credit Card boasts an array of benefits.

These features are meticulously designed to provide financial relief while expanding accessibility for individuals, including those with challenged credit histories.

No Annual Fee

Eliminates the burden of recurring yearly costs, making it ideal for cost-conscious users.

Competitive Interest Rates

Maintains a low interest rate of 11.99% p.a., which applies to both purchases and cash advances.

Instalment Plans

Facilitates paying off purchases over $250 at an even lower rate of 9.99% p.a.

No International Transaction Fees

When specific conditions are met, users can enjoy zero international transaction fees—perfect for frequent travelers.

Digital Payment Compatibility

Supports both Apple Pay and Google Pay for easy, contactless transactions.

Who Should Consider the ING Orange One Low Rate Credit Card?

The cards wide-ranging benefits attract a diverse audience.

However, it proves particularly advantageous for certain groups seeking specific features and financial flexibility.

Individuals looking to manage their finances with low fees.
Frequent travelers who benefit from waived international transaction costs.
Users interested in rebuilding their credit profile with a reputable institution.
Those preferring digital payment options.
Individuals needing a practical instalment plan for purchases.

With its low-cost structure and versatile applications, the ING Orange One Low Rate Credit Card is a distinctive financial tool for both pragmatic consumers and those planning to establish or improve their credit histories.

Pros and Cons of ING Orange One Low Rate Credit Card

Given the financial landscape of credit products, assessing the pros and cons of this card is crucial for understanding its role in your financial toolkit.

Consider these factors as you explore its suitability.

Pros

Low Interest Rates
This card offers a notably low interest rate on both purchases and cash advances, enhancing affordability.
Installment Flexibility
Gives users the ability to pay off larger purchases over time, assisting with budgeting strategies.
No Hidden Fees
With requirements met, international transaction fees are waived, and there’s no annual fee, saving money annually.

Pros

Limited Eligibility
Currently, self-employed individuals cannot apply, limiting access to certain users.
Benefit Criteria
There are required conditions to enjoy all benefits, such as meeting deposit and transaction thresholds for fee waivers.
Credit Limit Constraints
Some users may find the available credit limits lower than desired ($1,000 to $5,999).

Why We Recommend the ING Orange One Low Rate Credit Card

Topstratos values financial products that offer genuine benefits and facilitate sound financial management for Australians.

The ING Orange One Low Rate Credit Card aligns with these principles by offering attractive rates and accessible benefits, catering to diverse user needs.

It provides financial ease for people with a lower interest threshold.
Its ability to help build credit is especially beneficial for those seeking improvements in their financial profiles.
The card’s cost-effectiveness, with no annual fee and waived international transaction charges under specific conditions, is unparalleled.
Digital payment integration offers the seamless, modern convenience, further enhancing user experience.

How to Apply for the ING Orange One Low Rate Credit Card

Applying for the ING Orange One Low Rate Credit Card is straightforward.

Interested applicants should ensure they meet the eligibility requirements and prepare necessary documentation for submission.

Access the bank website

Visit the ING Australia website for online applications.
Call ING customer service for further assistance.
Check mobile banking apps for seamless application processes.

FAQs About the ING Orange One Low Rate Credit Card

What is the interest rate for purchases?

The interest rate is 11.99% p.a., making it highly competitive.

How can I avoid international transaction fees?

You need to deposit $1,000 or more each month into an ING account and make at least five purchases using the card.

Can I use this card for instalment plans?

Yes, purchases over $250 can be paid off in instalments at a reduced rate.

Is there an annual fee?

No, there is no annual fee associated with this card.

Considering the ING Orange One Low Rate Credit Card?

Before deciding, weigh its suitability against your financial habits and needs.

As highlighted, this card delivers cost-efficient features, particularly attractive for anyone mindful of expenses but also looking to manage or rebuild their credit.

Topstratos recommends this card for its practical benefits and supportive features for a variety of users.