Orange One Low Rate Credit Card

Here's something worth knowing about the Orange One Low Rate credit card.

If you apply for the Orange One Low Rate and you're approved for a credit limit of $6,000 or more, ING will automatically upgrade you to the Orange One Low Rate Platinum credit card.

What does this mean for you? You instantly get access to complimentary international travel insurance, issued by Allianz Global Assistance (AWP Australia Pty Ltd). Terms, conditions, exclusions, and limits apply, so read the policy before you travel.

The key thing to note: your fees and charges stay exactly the same. You get the same great low rate. It's a genuine bonus for customers approved at the higher limit.

Let's clear up some common misconceptions about credit applications.

A lot of people search online for credit cards for low credit or guaranteed approvals. To be upfront: as a responsible lender, ING has clear eligibility criteria. The Orange One Low Rate is designed as one of the most competitive low interest credit cards for customers with good credit. If you have a solid credit history, a steady PAYG income, and manage your finances well, this is a card worth considering.

To apply, you need to tick the following boxes:

• Be 18 years or older
• Earn $36,000 or more per year (before tax)
• Be an Australian citizen, New Zealand citizen, or Australian permanent resident
• Have an Australian residential address
• Have an Orange Everyday bank account (you can open one when you apply)

Crucial note: this card is currently not available to self-employed applicants. You need to be a PAYG employee.

If you meet these criteria and are looking for credit card low interest rate options, the application is entirely digital and straightforward.

Life is unpredictable. Sometimes you need to make a big purchase: a washing machine dies, the car needs urgent work, or an unexpected bill lands.

Putting a large expense on a standard credit card can be stressful. But the Orange One offers a smarter way to handle it: instalment plans.

You can move an eligible amount from your credit card balance onto an instalment plan at a lower variable interest rate than the standard purchase rate. You choose the timeframe, from 3 months up to 7 years depending on the amount.

This turns a large balance into manageable monthly payments. You can also change your instalment plan period up to 3 times in the first two years, and make extra repayments without an early repayment fee. It's a great feature for anyone who wants credit cards with low interest combined with real-world budgeting flexibility.

This card doesn't rely on confusing reward points, but that doesn't mean you don't get rewarded.

Say hello to ING Pocket Perks, our built-in cashback program that gives you actual money back when you shop with participating brands. There are over 80 brands to choose from. Simply open the ING app, check the 'Offers' section, shop at the eligible retailer, and meet the offer conditions. No points to calculate, no catalogues to browse. Just real money back in your pocket for shopping you were probably going to do anyway.

If you're looking for credit cards with good interest rates, you deserve a great digital experience to go with it. The ING app makes managing your Orange One Low Rate straightforward and accessible.

• Mobile payments: Add your Orange One to Apple Pay or Google Pay in seconds. Fast, secure, and convenient.
• Autopay: Link an eligible ING account to set up automatic repayments. Choose to pay the minimum amount due or the full balance each month. Make sure you have sufficient funds available on your due date to avoid late payment fees.
• Security: Misplaced your card? Put a temporary block on it via the ING app. Found it? Unblock it instantly.
• Transaction visibility: View your pending and completed transactions and monitor your instalment plans from one clean dashboard.

Getting the best rate on credit cards isn't just about the advertised percentage. It's about how you use the card.

The Orange One Low Rate and Platinum credit cards offer up to 45 days interest-free on purchases. But this only applies if you follow one golden rule:

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. This is why Autopay can be so powerful: by setting it to pay your full balance automatically, you can maximise those interest-free days and keep your costs as close to zero as possible. Just ensure there are sufficient funds in your linked account on the due date.

Before you apply, take a moment to review the fine print.

Every application goes through our standard credit and eligibility checks before approval. Just like any financial product, there are specific fees and charges associated with the Orange One Low Rate credit card. Any information or tips we share on this page don't take into account your unique financial goals or personal situation. Before you decide to apply, make sure it's right for you.

Review the Terms and Conditions, the Fees and Limits Schedule, the Key Facts Sheet, and the Credit Guide, all available on ing.com.au. Also read the Target Market Determination before applying.

If you end up with the Orange One Low Rate Platinum and want to use the complimentary international travel insurance, remember that AWP Australia Pty Ltd trading as Allianz Global Assistance issues the policy. Terms, conditions, exclusions, limits, and sub-limits apply. ING does not guarantee the insurance. Read the policy documents to make sure it covers your specific travel plans.

If you're looking for a straightforward low rate credit card from a bank that values transparency, the Orange One Low Rate is worth a close look.

No confusing points systems. A competitive low variable rate, zero ING international transaction fees, and the ease of managing everything through the ING app alongside your everyday banking.

Check your eligibility, gather your ID and your most recent payslips, and start your digital application today.