Credit Cards from ING Australia

With Autopay, you can link an eligible ING account to your Orange One to automatically make repayments each month. You can choose to pay either the minimum amount due or the full balance. Keep in mind that you'll need to ensure sufficient funds are available in your linked account on the due date. If the payment fails, late payment fees may apply.

Autopay is a great way to help you stay on top of your repayments without manually transferring funds each month. You still need to keep an eye on your balance and ensure funds are available when your repayment is due.

Let's address the elephant in the room. If you've been searching for the easiest credit card to get in Australia, or typing easy to get credit cards Australia into your search bar, here's what you need to understand about how responsible lending works.

There is no credit card that is easy to get without a proper financial assessment. All lenders, including ING, have a legal obligation to ensure the credit card is not unsuitable for you. Approval is always based on your individual financial circumstances.

What we do offer is a streamlined, digital-first application process. If you meet ING's credit approval criteria and have your documents in order, the process is fast and straightforward. We've removed the tedious paperwork, but we do still assess every application thoroughly.

If you want an easy credit card approval experience, the best first step is having your documents ready and understanding the eligibility requirements before you apply.

To apply for an Orange One credit card in Australia, you'll need to meet the following criteria:

• Be aged 18 or older
• Have a valid ID ready
• Earn $36,000 or more per year (before tax)
• Be an Australian citizen, New Zealand citizen, or permanent resident of Australia
• Maintain an Australian residential address
• Have an active Orange Everyday bank account (or open one when you apply)

Important: at this time, Orange One cards are not available to self-employed applicants. Your primary income needs to be PAYG.

To apply for an Orange One, you'll need an Orange Everyday bank account, or you can open one as part of the application process.

Having an Orange Everyday account means your Orange One sits alongside your everyday banking in the ING app. For Orange One Rewards Platinum cardholders, your monthly cashback is deposited directly into your linked Orange Everyday account.

When it comes to Autopay, you can link an eligible ING account, including a Savings Maximiser or Savings Accelerator, to manage your repayments automatically.

Australians love to travel, but nobody loves coming home to a statement full of international transaction fees.

When you use your Orange One overseas, you pay $0 ING international transaction fees. This applies whether you're physically buying a croissant in Paris or sitting on your couch in Sydney buying from an international website. Third-party fees may apply. For credit cards for Australians who shop and travel globally, this is a genuinely useful benefit.

Sometimes life throws a big expense your way: a new fridge, car repairs, unexpected dental work.

Instead of letting a large balance sit on your standard revolving credit, the Orange One offers flexible instalment plans. You can move an eligible amount onto an instalment plan at a lower variable interest rate, and choose a timeframe from 3 months up to 7 years depending on the amount. This breaks a big number into manageable monthly payments, a smarter way to stay in control of your credit card spending.

Who doesn't love a good credit card offer? As an Orange One cardholder, you automatically get access to ING Pocket Perks.

This isn't a complicated rewards program requiring a spreadsheet to figure out what a point is worth. ING Pocket Perks gives you access to cashback offers loaded directly onto your card from participating retailers. Simply check the 'Offers' section in the ING app, shop at an eligible retailer, and if you satisfy the offer conditions, the cashback is typically credited within 7 days of your qualifying purchase being fully processed. It's actual cash back, not confusing points.

Managing your credit card online in Australia has never been easier. The ING app puts the key controls for your Orange One right in your hands:

• Digital Wallets: Add your Orange One to Apple Pay or Google Pay in seconds. Leave your physical wallet at home and tap away with your phone or smartwatch.
• Security: Misplaced your card? Put a temporary hold on it instantly via the ING app. Found it? Unblock it with a tap.
• Tracking: View your pending and completed transactions, monitor your instalment plans, and keep an eye on your balance, all from one clean dashboard.

Ready to apply for an Australian credit card that works for your life? The process is simple and in most cases digital.

1. Check your eligibility: Make sure you meet the $36,000 yearly income requirement, are a PAYG employee, are 18 or older, and satisfy the residency requirements.
2. Gather your documents: Have your driver's licence or passport ready, along with details of your income, living expenses, and any existing debts.
3. Apply online: The application takes around 20 minutes to complete. If you're an existing ING customer, it can be faster as we already have some of your details on file.
4. Get your decision: We'll assess your application and keep you informed on the outcome.

Credit cards are powerful financial tools that require responsible use. Every application goes through our standard eligibility checks and a formal credit assessment process.

To take advantage of the up-to-55-day interest-free period on purchases, you need to pay the total amount due on your previous statement by the due date. If you only pay the minimum amount due, interest charges will apply to the outstanding balance.

Before applying for the Orange One, make sure it's the right fit for you. Review the Terms and Conditions, the Fees and Limits Schedule, the Key Facts Sheet, and the Credit Guide. These documents are available on the main ing.com.au product pages.

If you're considering the Orange One Rewards Platinum, also review the Cashback Rewards Terms and Conditions, the Complimentary Insurance Terms and Conditions, and the relevant Target Market Determination.