Thumbnail icon for ING

ING Orange One Credit Card

Purchase rate
11.99% p.a.
Balance transfer rate
No current offer
Annual fees
$0
Interest free days on purchases
45

Mozo editorial review ING Orange One Credit Card

Last updated: 2 June 2020.

binocular icon
What's hot
  • No annual fee
  • Low 11.99% p.a. purchase rate
  • Instalment plan with lower interest rate
  • 2019 Mozo Experts Choice Award-winner
What's not
  • Must have an ING Orange Everyday Account to be eligible
Mozo snapshot

The 2019 Mozo Experts Choice Award-winning ING Orange One Credit Card comes with a low 11.99% p.a. purchase rate, no ongoing annual fees and up to 45 interest-free days on purchases. There are also a few other nifty features up for grabs, like the ability to set up instalment plans for purchases, which will allow you to pay for items in set instalments over time with a reduced interest rate. And for all it offers, not having an annual card fee is just icing on the cake.

key icon
Key features

Like your credit cards with no annual fees and low-interest rates? Well, the ING Orange One Credit Card ticks all those boxes and more. You’ll get a low 11.99% p.a. purchase rate, 45 interest-free days on purchases, plus a number of other attractive perks.

If you're a regular online or overseas shopper then you’ll be happy to know that the international transaction fees on this card are waived as long as you meet certain conditions. Just deposit $1,000 into your Orange Everyday account from an external bank account and make at least 5 settled card purchases a month and you’ll be able to shop fee-free.

Another big selling point is the instalment plan option, which comes with a reduced purchase rate of 9.99%. If you have your eyes on a big-ticket item and would prefer to pay it off over time, you can arrange to do so online or via the app. You'll also be able to have 10 instalment plans running at the one time, with terms ranging between 3 months and 7 years.

And if you ever want to increase or decrease an existing instalment plan term, you can do so at any time and your monthly repayments will be adjusted accordingly. Just keep in mind that this can only be done 3 times over the first 2 years of the instalment plan.

The ING Orange One credit card also supports Apple Pay and Google Pay. Just set it up using the Wallet app on your device and you can make payments without ever having to reach for your card.

snapshot
Who is it good for

This one could suit ING customers who are looking to add a credit card to their financial toolbox and plan on using it for everyday purchases.

snapshot
Any catches

One thing to keep an eye on is the minimum repayment amount of $100. While we would recommend paying off your full balance anyway, if you usually skate by some months by just making the minimum repayment, then keep in mind that this one's higher than usual.

Details

Rates and fees information correct as at 10 July 2020 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 11.99% p.a.

  • none

  • No current offer

  • none

  • 11.99% p.a.

  • 45

Fees
  • $0.00

  • none

  • none

  • none

  • $20.00

  • 3%, Min $3.00

  • 2.50%

  • $0.00

  • $10.00

  • $10.00

Features
  • $100.00

  • 5.0

  • yes

  • To be eligible you must have deposited more than $1,000 per month into any personal ING account for the last 3 months.

Payment options

Apple Pay, Google Pay

Other benefits

Foreign currency conversion fee waived when you deposit at least $1,000 from an external bank account and make at least 5 card purchases using your ING credit or debit card each month.

Customer Reviews

How are ING credit cards rated by the Mozo community?

Overall customer rating
8.5/10
Price
8.9/10
Features
8.3/10
Customer service
8.8/10
Convenience
8.3/10
Trust
8.6/10

Latest reviews of ING Orange One Credit Card

  • Overall 2/10
    Good for savings; credit not so much.

    Requires minimum number of transactions per month in order to activate higher interest in my savings account.

    Read full review

    Requires minimum number of transactions per month in order to activate higher interest in my savings account.

    Price
    3/10
    Features
    5/10
    Customer service
    5/10
    Convenience
    2/10
    Trust
    8/10
    Less
    Kerry, Western Australia reviewed 23 days ago
  • Overall 8/10
    Low rate, no frills.

    I like that this is a no-frills, easy to use and understand card. Low rate, and an option for longer repayment through instalments. No fees - recommended.

    Read full review

    I like that this is a no-frills, easy to use and understand card. Low rate, and an option for longer repayment through instalments. No fees - recommended.

    Price
    9/10
    Features
    4/10
    Customer service
    7/10
    Convenience
    8/10
    Trust
    8/10
    Less
    Louise, New South Wales reviewed about 2 months ago
ING

About ING

ING is part of the ING Group, one of the world's largest financial institutions, but it isn't like other banks. ING pioneered branch-less banking in Australia, getting rid of branches and passing on the savings to customers in the form of better rates and lower fees. From high interest savings accounts and term deposits to low rate home loans, ING aims to keep your banking simple.

See ING credit cards

Promoted

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 13 months and then 21.74% p.a.

$49 $0 in the first year

Promoted

Qantas Money

Qantas Money

Qantas Premier Platinum

19.99% p.a.

0% p.a. for 18 months and then 21.99% p.a.

$299 $199 in the first year

Qantas Frequent Flyer

Promoted

American Express

American Express

Qantas Discovery Card

20.74% p.a.

No current offer

$0

Qantas Frequent Flyer

Promoted

Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 15 months then 12.99% p.a.

2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)

$79

Promoted

American Express

American Express

Platinum Edge Credit Card

20.74% p.a.

No current offer

$195

Membership Rewards

Promoted

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 15 months then 12.99% p.a.

2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)

$99

Promoted

CUA

CUA

Platinum Credit Card

19.99% p.a.

0% p.a. for 13 months and then 21.74% p.a.

$149 $0 in the first year

Life Rich Rewards

Promoted

American Express

American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

Promoted

Qantas Money

Qantas Money

Qantas Premier Platinum

Qantas Frequent Flyer

$299 $199 in the first year

80,000

1 point up to $10,000/month, then
0.5 points uncapped

Promoted

American Express

American Express

Platinum Edge Credit Card

Membership Rewards

$195

No current offer

1 point uncapped

Promoted

American Express

American Express

Explorer Credit Card

Membership Rewards

$395

50,000

2 points uncapped

Promoted

CUA

CUA

Platinum Credit Card

Life Rich Rewards

$149 $0 in the first year

No current offer

1 point up to 100,000 points/year

Promoted

American Express

American Express

Qantas Ultimate Card

Qantas Frequent Flyer

$450

55,000

1.25 points uncapped

Promoted

David Jones

David Jones

American Express Card

Membership Rewards

$99

15,000

1 point uncapped

Promoted

David Jones

David Jones

American Express Platinum Card

Membership Rewards

$295

30,000

1 point uncapped

Promoted

CUA

CUA

Low Rate Credit Card

0% p.a. for 13 months and then 21.74% p.a.

11.99% p.a.

$49 $0 in the first year

Promoted

Bankwest

Bankwest

Breeze Mastercard

2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)

0% p.a. for 15 months then 12.99% p.a.

$79

Promoted

Qantas Money

Qantas Money

Qantas Premier Platinum

0% p.a. for 18 months and then 21.99% p.a.

19.99% p.a.

$299 $199 in the first year

Qantas Frequent Flyer

Promoted

Bankwest

Bankwest

Zero Mastercard

2.99% p.a. for 9 months and then 17.99% p.a.

17.99% p.a.

$0

Promoted

CUA

CUA

Platinum Credit Card

0% p.a. for 13 months and then 21.74% p.a.

19.99% p.a.

$149 $0 in the first year

Life Rich Rewards

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)

0% p.a. for 15 months then 12.99% p.a.

$99

Promoted

Bankwest

Bankwest

Zero Platinum Mastercard

2.99% p.a. for 9 months and then 17.99% p.a.

17.99% p.a.

$0

Promoted

Bank First

Bank First

Visa Classic Credit Card

0% p.a. for 6 months and then 12.54% p.a.

0% p.a. for 6 months then 12.54% p.a.

$0

Promoted

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 13 months and then 21.74% p.a.

$49 $0 in the first year

Promoted

Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 15 months then 12.99% p.a.

2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)

$79

Promoted

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Promoted

Credit Union SA

Credit Union SA

Education Community Credit Card

0% p.a. for 6 months then 9.99% p.a.

0% p.a. for 6 months and then 9.99% p.a.

$0

Promoted

Bendigo Bank

Bendigo Bank

Low Rate Mastercard

0% p.a. for 15 months then 11.99% p.a.

No current offer

$45

Promoted

Credit Union SA

Credit Union SA

Visa Credit Card

10.49% p.a.

0% p.a. for 6 months and then 10.49% p.a.

$39

Promoted

Bendigo Bank

Bendigo Bank

Low Rate Platinum Mastercard

11.99% p.a.

0% p.a. for 6 months and then 11.99% p.a.

$89

Promoted

Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 15 months then 12.99% p.a.

2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)

$79

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 15 months then 12.99% p.a.

2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)

$99

Promoted

Credit Union SA

Credit Union SA

Education Community Credit Card

0% p.a. for 6 months then 9.99% p.a.

0% p.a. for 6 months and then 9.99% p.a.

$0

Promoted

Bendigo Bank

Bendigo Bank

Low Rate Mastercard

0% p.a. for 15 months then 11.99% p.a.

No current offer

$45

Promoted

Credit Union SA

Credit Union SA

Visa Credit Card

10.49% p.a.

0% p.a. for 6 months and then 10.49% p.a.

$39

Promoted

Bank First

Bank First

Visa Classic Credit Card

0% p.a. for 6 months then 12.54% p.a.

0% p.a. for 6 months and then 12.54% p.a.

$0

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 14 months then 20.74% p.a.

0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year

Promoted

St.George

St.George

Rainbow Platinum Vertigo

0% p.a. for 15 months then 12.99% p.a.

No current offer

$99 $49 in the first year