The Finance Algorithm
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Orange One Low Rate

The credit card that gives you a low interest rate plus no ING international transaction fees when you shop overseas or online.

Credit cardsBank updated 11 Aug 2026
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At a glance

Purchase rate
12.99%
Cash advance
12.99%
Interest-free days
45
Annual fee
$10
Foreign transaction fee
0.00%
OO

How it compares

This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This credit card: 12.99%Every other institution's lowest, 50 in all

Ongoing purchase rate, not introductory offers. One dot per institution, at its lowest credit card purchase rate anyone can apply for; hover or tap a dot for its name.

RateThis credit cardBest anywhereTypical institutionWhere it sits
Any credit cardOngoing purchase rate, not introductory offers12.99%7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions29th lowest of 51, level with 2 others
Interest-free daysDays without interest on purchases when the balance is paid in full45 days62 daysBeyond Bank Australia's Low Rate Credit Card55 daysof 42 institutions36th longest of 42, level with one other

Rates

Every rate ING publishes for this credit card, 3 in all.

TypeApplies toTermBandRateComparisonConditions
Cash advance---12.99%--
DiscountUse instalment plans to pay off your purchases over time at a lower interest rate.---9.99%-Instalments
Purchase---12.99%--

Fees

6 fees published, grouped by when they're charged.

While you hold it2

  • Additional card holder fee

    $10/year per additional card.

    $10 a year
  • Annual fee
    $48 a year

When you make a transaction3

  • Cash advance fee

    The greater of $3 or 3% of the cash advance amount.

    3.00% of transaction
  • International transactions

    Pay no ING fees on international transactions (online, overseas and over the phone)

    0.00% of transaction
  • International ATM withdrawal

    ATM operators may charge you a fee which won’t be rebated.

    No fee

If a payment is late or fails1

  • Late payment fee
    $30

Features

Digital bankingUnlimited transactions45 interest-free days3 additional cardsApple PayGoogle Pay
  • Use instalment plans to pay off your purchases over time at a lower interest rate - making them easier to plan and manage.

Eligibility and limits

  • Minimum age 18
  • Residency: NZ
  • Minimum income $36,000
  • Amount $1,000 to $30,000
  • Have and maintain an Australian residential address.
  • You need to hold, or have applied for, an ING Orange Everyday Transaction Account at the time you apply.
  • Monthly Auto-Pay from a linked ING account for the Minimum or Full Amount.

Published by ING BANK (Australia) Ltd under the Consumer Data Right, last changed by them on 11 Aug 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.