ING
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
At a glance
- Purchase rate
- 12.99%
- Cash advance
- 12.99%
- Interest-free days
- 45
- Annual fee
- $10
- Foreign transaction fee
- 0.00%
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| 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% | — | — |
§ 02 — Fees · 6
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Cash advance fee | Cash advance | 3.00% of transaction | — | The greater of $3 or 3% of the cash advance amount. |
| Late payment fee | Late payment | $30 | — | — |
| Additional card holder fee | Periodic | $10 | Every 1 yr | $10/year per additional card. |
| Annual fee | Periodic | $48 | Every 1 yr | — |
| International transactions | Transaction | 0.00% of transaction | — | Pay no ING fees on international transactions (online, overseas and over the phone) |
| International ATM withdrawal | Withdrawal | No fee | — | ATM operators may charge you a fee which won’t be rebated. |
§ 03 — 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.
§ 04 — Eligibility & 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.
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
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.