ING Australia Orange One Low. ING’s travel credit card

Whether you’re a frequent traveller or in the planning stages of your next international trip, a travel credit card may help make your next journey more affordable and rewarding. However, choosing the right credit card can be tough with things like interest rates, transaction fees, and extra card benefits varying by provider.

One such provider, ING Australia offers customers a range of credit cards that are well-suited to travelling, in particular the Orange One Low cards. This article will review this credit card option and what you need to do to apply.

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The ING Australia Orange One Low credit card

The ING Orange One Low Rate credit card is the low rate card option of the Orange One credit card range that offers customers no annual fee and low interest rates. The credit limit an applicant is approved for will determine if they will receive the standard Orange One Low Rate credit card or the Orange One Low Platinum card.¹

Who is this credit card for?

This credit card is useful for those seeking a personal credit card with flexible credit limit options that has a low purchase interest rate of 11.99% per annum. This card also has the option to pay back their balance in instalments with a low interest rate of 9.99% per annum attached.¹

The main features and benefits of the ING AU Orange One Low credit card

Orange One Low or Orange One Low Platinum credit card holders will enjoy the following benefits.¹

• No annual fee
• Mobile payments
• Auto repayment settings
• Interest free period of 45 days
• Visa credit card made with recycled plastic
• 100% ATM fee rebate for eligible customers

Both Orange One Low credit card options may also get access to no international transaction fees when shopping overseas or online at foreign merchants if customers meet these eligibility requirements:

• Deposit a minimum of $1000 per month into any ING account
• Make 5 settled purchases per calendar month on their ING Orange One Low credit card

This criteria is also what customers need to meet to qualify for rebates on ATM fees locally and abroad.¹

ING Australia Orange One Low credit rewards

For customers that are approved for the Orange One Low Platinum Credit card, they’ll get an extra reward of complimentary international travel insurance attached with their card. Another pro is that the fees are the same for both the standard version and platinum version of this credit card.¹

The cons of using this card

This card comes with many criteria that card holders need to meet to take advantage of the benefits and rewards that this card has. Some other cons of using this card include¹:

• On domestic and international ATM withdrawals, customers will still be charged a cash advance fee
• Late fees for missed balance repayments
• Must be an existing ING customer to be able to apply

The credit limits you get with this card

There is a minimum credit limit of $1000 AUD for the Orange One Low Rate card, up to a maximum of $5999 AUD.

If an applicant is approved for a credit limit of $6000 AUD, they will automatically be upgraded to the Orange One Platinum credit card and its associated features.

The maximum credit limit that can be approved for the Orange One Low Platinum card is $30,000 AUD.¹

What are the fees for this card

Although these credit cards are promoted as a low rate credit card, there are still a variety of fees that holders should be aware of.

Here is a breakdown of some common fees that may be incurred when using this card.

Fees*	ING AU Orange One Low Card¹
Maintenance fees	$0
Points / cash back	No cashbacks or rewards
Late repayments	$20
Local/Foreign ATM fees	For eligible customers 100% rebate on local and foreign ATM fees and international transaction fees 3% cash advance fee For non-eligible customers $5 fee on international ATM withdrawals² + 3% cash advance fee + 3% international transaction fee
Cash advance limit	Orange One Low Rate Card 10% of the credit limit or maximum $500 Orange One Low Platinum Card Maximum of $500
Interest/purchase rate	11.99% p.a. purchase rate
Additional card holders	$10 per year per additional card holder

*As seen on 16th March 2023

ING AU Orange One Low exchange rate used

All ING Visa cards use the Visa International exchange rate on international transactions³. This rate is subject to Visa International terms and conditions, including a slight margin taken by Visa through their exchange rate on every transaction.⁴

How do you get an ING AU Orange One Low card

To apply for an ING AU Orange One Low card, applicants must follow these steps.¹

1. Meet all eligibility requirements
2. Prepare all the required documents
3. Apply online through the ING AU website
4. Wait for your application to be reviewed and approved

Some documents that applicants should have handy include:

• Proof of ID
• Proof of income

ING may ask you to provide other documents to support your application at any time.

What are the eligibility requirements for getting this credit card

One of the main eligibility requirements for those wanting to get this credit is they must hold an active Orange Everyday account with ING already or be willing to open one during the application. Some other eligibility requirements include¹:

1. Be over the age of 18 with valid ID
2. Have an annual income of $36,000 AUD or more before tax
3. Be an Australian citizen, New Zealand citizen, or Australian permanent resident
4. Have an australian residential address required and must be maintained
5. Have a Good credit rating and meet lending guidelines

Those who are self-employed are not eligible to apply for this credit card.

Read more: ING Australia International transfers. Are they available?

How long does it take to get the card

Once an online application is submitted, it can take as little as 5 minutes to be approved given all documents prove eligibility.⁵ After these approvals, it can take anywhere from 5 to 7 days to receive the physical credit card.¹

What else do I need to know?

It is important to know that the interest rates associated with the Orange One Low credit cards are variable and ING can change these rates at any time.⁶

Contacting ING AU

If you need to contact ING AU for any reason, you can:

• Call 133 464 from within Australia
• Call +61 2 9028 4077 from outside Australia

When contacting ING AU from outside Australia, you may incur calling costs. To see the other options to contact ING AU, you can visit here.

Wise Account and debit card

If you aren't confident that a credit card is what you’re looking for, but still want a card that saves you money when travelling, why not check out Wise.

Wise offers easy solutions for avoiding hidden foreign transaction fees — with the Wise Account and the Wise Debit card.

Not only can you use your Wise Account to hold and convert over 50 currencies, but you can order your own Wise Debit card to connect to your Wise Account and spend online or overseas at the mid-market rate — just like the one you see on Google.

Forget unexpected international transaction fees or high conversion rates, say hello to the world with the Wise Account.

Safe travels.

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Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up-to-date pricing and fee information.

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Sources:

1. ING Orange low rate card
2. ING Fee schedule ATM
3. ING FX rate used
4. Visa International FX rate
5. ING FAQs application
6. ING variable rate

Sources checked on: 17 March 2023