ING Orange One Credit Card

11.99% p.a.

No current offer

$0

n/a

ING Orange One Credit Card

11.99% p.a.

No current offer

$0

n/a

Mozo Review   ING Orange One Credit Card Review

Last updated: 9 September 2019.

What's hot:
  • No annual fee

  • Low 11.99% purchase rate

  • Instalment plan with lower interest rate

  • 2019 Mozo Experts Choice Award

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 annual fees and up to 45 interest-free days on purchases. There are also some nifty features, such as 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 fee is just icing on the cake.

Key features:

Like your credit cards with no annual fees and low interest rates? The ING Orange One credit card ticks 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 attractive perks.

If you regularly shop online or overseas, you’ll be happy to know that the international transaction fees are waived as long as you meet certain conditions. Just deposit $1,000 into your Orange Everyday 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. Just set it up using the Wallet app on your Apple device and you can make payments without ever having to reach for your card.

Who it's good for:

This one would suit ING customers looking to add a credit card to their financial toolbox and who plan to use their plastic for everyday purchases.

Any catches?

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

Details

Rates and fees information correct as at 12 December 2019 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
9.5/10
Price
10.0/10
Features
9.3/10
Customer service
10.0/10
Convenience
9.3/10
Trust
9.5/10
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

Citi

Citi

Rewards Platinum Credit Card (Balance Transfer)

0% p.a. for 26 months and then 22.24% p.a. (1.50% balance transfer fee)

21.49% p.a.

$149 $49 in the first year

Promoted

American Express

American Express

Velocity Platinum Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

20.74% p.a.

$375

Promoted

NAB

NAB

Low Rate Card

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

0% p.a. for 6 months then 13.99% p.a.

$59

Promoted

Suncorp

Suncorp

Clear Options Platinum

0% p.a. for 14 months and then 21.99% p.a.

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

$129 $49 in the first year

Promoted

Citi

Citi

Platinum Credit Card (Purchase Rate)

0% p.a. for 13 months and then 22.24% p.a. (1.00% balance transfer fee)

0% p.a. for 13 months then 21.49% p.a.

$149 $49 in the first year

Promoted

Latitude

Latitude

Low Rate Mastercard

No current offer

9.89% p.a.

$69

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

ANZ

ANZ

Frequent Flyer Black

No current offer

20.24% p.a.

$425

Promoted

Citi

Citi

Rewards Platinum Credit Card (Bonus Points)

1 point per dollar on Visa, up to $10,000 per month

21.49% p.a.

$149 $49 in the first year

Promoted

American Express

American Express

Velocity Platinum Card

1.25 points per dollar on Amex, uncapped

20.74% p.a.

$375

Promoted

ANZ

ANZ

Frequent Flyer Black

1 point per dollar on Visa, up to $7,500 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

$425

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0.66 points per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped

20.74% p.a.

$129 $64 in the first year

Promoted

Citi

Citi

Rewards Platinum Credit Card (Balance Transfer)

1 point per dollar on Visa, up to $10,000 per month

21.49% p.a.

$149 $49 in the first year

Promoted

American Express

American Express

Velocity Escape Card

0.75 points per dollar on Amex, uncapped

20.74% p.a.

$0

Promoted

Suncorp

Suncorp

Clear Options Platinum

1.25 points per dollar on Visa, uncapped

20.74% p.a.

$129 $49 in the first year

Promoted

Heritage Bank

Heritage Bank

Platinum

0.002 points per dollar on Visa, uncapped

17.49% p.a.

$125 $0 when you spend over $35,000 p.a

Promoted

Citi

Citi

Rewards Platinum Credit Card (Balance Transfer)

0% p.a. for 26 months and then 22.24% p.a. (1.50% balance transfer fee)

$149 $49 in the first year

21.49% p.a.

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

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

$129 $64 in the first year

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

Promoted

ME

ME

frank Credit Card

No current offer

$0

11.99% p.a.

Promoted

Citi

Citi

Platinum Credit Card (Purchase Rate)

0% p.a. for 13 months and then 22.24% p.a. (1.00% balance transfer fee)

$149 $49 in the first year

0% p.a. for 13 months then 21.49% p.a.

Promoted

Suncorp

Suncorp

Clear Options Platinum

0% p.a. for 14 months and then 21.99% p.a.

$129 $49 in the first year

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

Promoted

American Express

American Express

Velocity Escape Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$0

20.74% p.a.

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0% p.a. for 22 months and then 20.99% p.a. (1.00% balance transfer fee)

$129 $64 in the first year

20.74% p.a.

Promoted

Citi

Citi

Rewards Platinum Credit Card (Bonus Points)

0% p.a. for 15 months and then 22.24% p.a. (1.00% balance transfer fee)

$149 $49 in the first year

21.49% p.a.

Promoted

NAB

NAB

Low Rate Card

0% p.a. for 6 months then 13.99% p.a.

$59

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

Promoted

ANZ

ANZ

Low Rate

12.49% p.a.

$58

0% p.a. for 15 months and then 20.24% p.a.

Promoted

Latitude

Latitude

Low Rate Mastercard

9.89% p.a.

$69

No current offer

Promoted

ME

ME

frank Credit Card

11.99% p.a.

$0

No current offer

Promoted

Bankwest

Bankwest

Breeze Mastercard

9.90% p.a.

$79 $0 in the first year

0% p.a. for 6 months and then 9.90% p.a.

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

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

$129 $64 in the first year

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

Promoted

NAB

NAB

Low Fee Card

19.74% p.a.

$30

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

Promoted

Heritage Bank

Heritage Bank

Gold Low Rate

11.30% p.a.

$0

No current offer

Promoted

NAB

NAB

Low Rate Card

0% p.a. for 6 months then 13.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$59

Promoted

Suncorp

Suncorp

Clear Options Platinum

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

0% p.a. for 14 months and then 21.99% p.a.

$129 $49 in the first year

Promoted

Citi

Citi

Platinum Credit Card (Purchase Rate)

0% p.a. for 13 months then 21.49% p.a.

0% p.a. for 13 months and then 22.24% p.a. (1.00% balance transfer fee)

$149 $49 in the first year

Promoted

Latitude

Latitude

Low Rate Mastercard

9.89% p.a.

No current offer

$69

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

Heritage Bank

Heritage Bank

Gold Low Rate

11.30% p.a.

No current offer

$0

Promoted

Bankwest

Bankwest

Breeze Mastercard

9.90% p.a.

0% p.a. for 6 months and then 9.90% p.a.

$79 $0 in the first year

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

9.90% p.a.

0% p.a. for 6 months and then 9.90% p.a.

$99 $0 in the first year