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.
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. | |
| none | |
| No current offer | |
| none | |
| 11.99% p.a. | |
| 45 |
| $0.00 | |
| none | |
| none | |
| none | |
| $20.00 | |
| 3%, Min $3.00 | |
| 2.50% | |
| $0.00 | |
| $10.00 | |
| $10.00 |
| $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. |
Apple Pay, Google Pay
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.
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.
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11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
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PayPal
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20.99% p.a.
0% p.a. for 20 months and then 20.99% p.a.
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PayPal Rewards
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Black Card
20.99% p.a.
0% p.a. for 12 months and then 21.74% p.a.
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Kogan Rewards Points
St.George
Vertigo
13.99% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$55 $0 in the first year
NAB
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12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
NAB
Qantas Rewards Signature Card
Qantas Frequent Flyer
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110,000
1 point up to $5,000/month, then
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American Express
Velocity Platinum Card
Velocity Frequent Flyer
$375
120,000
1.25 points uncapped
American Express
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
Kogan Money
Black Card
0% p.a. for 12 months and then 21.74% p.a.
20.99% p.a.
$0
Kogan Rewards Points
Great Southern Bank
Low Rate Credit Card
0% p.a. for 25 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
0% p.a. for 12 months then 11.99% p.a.
$45
PayPal
Rewards Card
0% p.a. for 20 months and then 20.99% p.a.
20.99% p.a.
$0
PayPal Rewards
Westpac
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0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59 $0 in the first year
humm90
Mastercard
0% p.a. for 36 months and then 25.99% p.a. (0% balance transfer fee)
23.99% p.a.
$99
HSBC
Platinum Credit Card
0% p.a. for 36 months and then 21.99% p.a.
19.99% p.a.
$129 $29 in the first year
Rewards Plus
NAB
Low Rate Card
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
12.99% p.a.
$59 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months then 11.99% p.a.
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
St.George
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$0
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
Westpac
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13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
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0% p.a. for 12 months then 11.99% p.a.
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
St.George
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
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0% p.a. for 6 months then 20.74% p.a.
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0% p.a.
No current offer
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0% p.a. for 12 months then 20.74% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$0
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0% p.a. for 6 months then 20.74% p.a.
No current offer
$99
