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Compare our credit cards

Choose the One that’s right for you.

Low rate credit card with no annual fee.

Platinum credit card with cashback rewards.

Compare Features
Cashback rewards on your spend (up to $30 a month)

Complimentary international travel insurance

Manage your big purchases using installments
Automatic repayments from eligible ING accounts
Mobile payments with Apple Pay
Setup notifications to manage your spending limits
Rates and Fees
Interest rates
Purchases % p.a. variable
Purchases % p.a. variable
Installments % p.a. variable
Installments % p.a. variable
Cash advances % p.a. variable
Cash advances % p.a. variable
Interest free period
Up to 45 days interest free
Up to 45 days interest free
Annual Fee
$0
$149
Late payment fee
$20
$20
Over limit fee
$0
$0
Additional cardholder
$10/year per additional card
$10/year per additional card
Dishonours
$0
$0
Replacement card (in Australia or overseas)
$0
$0
Emergency replacement card
$0
$0
Voucher request
$10
$10
Cash advance fee
The greater of $3 or 3% of the cash advance amount.
The greater of $3 or 3% of the cash advance amount.
Foreign currency conversion fee (payable to us)
- for all transactions in a foreign currency; and
- for all transactions in Australian dollars or a foreign currency, where:
- the merchant or financial institution accepting the card is located outside of Australia; or
- the entity processing the transaction is located outside of Australia.
2.5% of transaction amount
2.5% of transaction amount
International ATM withdrawal
$2.50
$2.50
Australian ATM fee rebate
100% of ATM fee
Offer will apply for the next calendar month when you perform the following during the current calendar month:
- deposit at least $1,000 from an external bank account to any personal ING account in your name (excluding Living Super and Orange One), and
- from 1 March 2018, also make at least 5 card purchases using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).
The ING cash advance fee is not rebated under this offer
100% of ATM fee
Offer will apply for the next calendar month when you perform the following during the current calendar month:
- deposit at least $1,000 from an external bank account to any personal ING account in your name (excluding Living Super and Orange One), and
- from 1 March 2018, also make at least 5 card purchases using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).
The ING cash advance fee is not rebated under this offer
Australian ATM fee rebate for ING home loan customers
100% of ATM fee
Offer applies for ATM transactions in Australia where you or your additional card holder has an ING home loan. The ING cash advance fee is not rebated under this offer
100% of ATM fee
Offer applies for ATM transactions in Australia where you or your additional card holder has an ING home loan. The ING cash advance fee is not rebated under this offer
International ATM fee rebate
100% of ING International ATM withdrawal fees and 100% of ATM fees when eligibility criteria is met.
Offer will apply for the next calendar month when you perform the following during the current calendar month:
- deposit at least $1,000 from an external bank account to any personal ING account in your name (excluding Living Super and Orange One), and
- from 1 March 2018, also make at least 5 card purchases using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).
The ING cash advance fee is not rebated under this offer
100% of ING International ATM withdrawal fees and 100% of ATM fees when eligibility criteria is met.
Offer will apply for the next calendar month when you perform the following during the current calendar month:
- deposit at least $1,000 from an external bank account to any personal ING account in your name (excluding Living Super and Orange One), and
- from 1 March 2018, also make at least 5 card purchases using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).
The ING cash advance fee is not rebated under this offer
Foreign currency conversion fee waiver
100% waiver of ING foreign currency conversion fee of 2.5% of the amount of the international transaction when eligibility criteria is met
Offer will apply for the next calendar month when you perform the following during the current calendar month:
- deposit at least $1,000 from an external bank account to any personal ING account in your name (excluding Living Super and Orange One), and
- from 1 March 2018, also make at least 5 card purchases using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).
The ING cash advance fee is not rebated under this offer

Merchants may charge you a separate fee for their services (which is not rebated under this offer).
100% waiver of ING foreign currency conversion fee of 2.5% of the amount of the international transaction when eligibility criteria is met
Offer will apply for the next calendar month when you perform the following during the current calendar month:
- deposit at least $1,000 from an external bank account to any personal ING account in your name (excluding Living Super and Orange One), and
- from 1 March 2018, also make at least 5 card purchases using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).
The ING cash advance fee is not rebated under this offer

Merchants may charge you a separate fee for their services (which is not rebated under this offer).
Limits and repayments
Minimum credit limit
$1,000
$6,000
Maximum credit limit
$30,000
$30,000
Cash advances
10% of the credit limit, up to a $500 maximum
10% of the credit limit, up to a $500 maximum
Purchases using Visa payWave without a PIN
Under $100 in Australia (other limits may apply outside of Australia)
Under $100 in Australia (other limits may apply outside of Australia)
Eligibility need-to-knows
To be eligibile to apply, you must

- Hold an active Orange Everyday bank account

- Be aged 18+

- Earn $36,000 or more a year

- Be an Australian citizen who resides in Australia, or permanent resident who resides in Australia

- Hold an active Orange Everyday bank account

- Be aged 18+

- Earn $55,000 or more a year

- Be an Australian citizen who resides in Australia, or permanent resident who resides in Australia

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