Orange One Low Rate Credit Card card image

ING Orange One Low Rate Credit Card

Advertiser disclosure
Purchase rate
11.99% p.a.
Balance transfer rate
No current offer
Annual fees
Interest free days on purchases

Mozo editorial review ING Orange One Low Rate Credit Card - last updated: 10 September 2020

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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 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.

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Key features

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.

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.

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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.


Rates and fees information correct as at 25 January 2022 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.

11.99% p.a.


No current offer


11.99% p.a.








3%, Min $3.00









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.

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