The ING Orange One Low Rate 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.
This card is also the winner of a 2023 Mozo Experts Choice Award for best No Annual Fee Credit Card.
Like your credit cards with no annual fees and low-interest rates? Well, the ING Orange One Low Rate 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 Low Rate 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.
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.
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.
11.99% p.a. |
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none |
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No current offer |
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none |
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11.99% p.a. |
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45 |
$0.00 |
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none |
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none |
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none |
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$20.00 |
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3%, Min $3.00 |
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3.00% |
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$0.00 |
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$10.00 |
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$10.00 |
$100.00 |
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5.0 |
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yes |
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To be eligible you must have deposited more than $1,000 per month into any personal ING account for the last 3 months. $5 for each International ATM transaction. |
Apple Pay, Google Wallet
Foreign currency conversion fee and $5 International ATM 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.
I really enjoy the benefits ING have to offer with their orange one rewards platinum card. It has a very competitive interest rate and complimentary insurances. On top of this there is no annual fee!
Read full reviewI really enjoy the benefits ING have to offer with their orange one rewards platinum card. It has a very competitive interest rate and complimentary insurances. On top of this there is no annual fee!
Be aware of False credit card promotional offers - you will never meet ING criteria. They just trying to draw new customers in.
Read full reviewBe aware of False credit card promotional offers - you will never meet ING criteria. They just trying to draw new customers in.
It’s simple and thoughtful and unlike other banks it doesn’t have branches so you go to the post office it’s just been the best bank ever
Read full reviewIt’s simple and thoughtful and unlike other banks it doesn’t have branches so you go to the post office it’s just been the best bank ever
It's so easy to use! All on the phone, online!
Read full reviewIt's so easy to use! All on the phone, online!
Seamless, never have to interact with them.
Read full reviewSeamless, never have to interact with them.
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Platinum Edge Credit Card
23.99% p.a.
No current offer
$195 $0 in the first year
Membership Rewards
Platinum Visa Credit Card
19.99% p.a.
No current offer
$299
Qantas Frequent Flyer
Qantas Ultimate Card
23.99% p.a.
No current offer
$450
Qantas Frequent Flyer
Explorer Credit Card
23.99% p.a.
No current offer
$395
Membership Rewards
Velocity Platinum Card
23.99% p.a.
No current offer
$375
Velocity Frequent Flyer
Qantas Discovery Card
23.99% p.a.
No current offer
$0
Qantas Frequent Flyer
Qantas Ultimate Card
Qantas Frequent Flyer
$450
100,000
1.25 points up to 100,000 points/year, then
1 point uncapped
Platinum Visa Credit Card
Qantas Frequent Flyer
$299
50,000
1 point up to 20,000 points/month
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250 $150 in the first year
70,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Qantas Premium Card
Qantas Frequent Flyer
$249
20,000
1 point uncapped
Rewards Signature Card
NAB Rewards
$295 $145 in the first year
160,000
1.25 points uncapped
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
120,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
Low Rate Card
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
13.49% p.a.
$59 $0 in the first year
Premier Credit Card
0% p.a. for 6 months and then 22.24% p.a.
21.49% p.a.
$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year
Citi Rewards Program
Blue Visa Credit Card
0% p.a. for 9 months and then 21.74% p.a.
0% p.a. for 9 months then 20.74% p.a.
$60
Q Rewards
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 24 months and then 20.99% p.a.
20.74% p.a.
$149 $0 in the first year
Velocity Frequent Flyer
More Mastercard
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
19.99% p.a.
$100
Bankwest More Rewards
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
Blue Visa Credit Card
0% p.a. for 9 months then 20.74% p.a.
0% p.a. for 9 months and then 21.74% p.a.
$60
Flex Card
0% p.a.
No current offer
$120 $10 monthly fee waived if the outstanding balance on the previous statement is paid in full by the due date.
StraightUp Card
n/a
No current offer
$240 $20/month - waived if no spend & no balance owing
n0w Credit Card
n/a
No current offer
$228 Monthly fee is waived if account has a $0 balance and if card isn't used during the calendar month.
Platinum Mastercard
0% p.a. for 3 months then 25.80% p.a.
0% p.a. for 18 months and then 25.99% p.a. Use code BTMARACQ upon applying. to receive 0%pa on balance transfers for 18 months.
$99