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Orange One

Orange One

Not like the others. Tap into a whole new world of benefits.

The ‘not like the others’ One.

The credit card that gives you a low interest rate, no annual fee, plus no ING international transaction fees for eligible customer when you shop overseas or online.

Features

Why apply for Orange One?

  • No annual fee

    No tricks, no annual fee. Just a great value credit card.

  • Low interest rates

    Get a low variable rate of % p.a. on purchases and cash advances, and an even lower variable % p.a. on instalments.

  • No international transaction fees

    Want to avoid ING international transaction fees when you shop online and overseas? All you need to do each month is deposit $1,000 into your Orange Everyday, and make 5+ card purchases that are settled (not pending).

  • Lock in a lower interest rate with instalments

    Use instalment plans to pay off your purchases over time at a lower interest rate – making them easier to plan and manage.

  • Make payments from your mobile

    Leave your wallet at home and pay the easy way with Apple Pay - they're fast, secure and convenient. Set up Apple Pay easily from the Wallet App on your Apple device.

  • Put repayments on autopilot

    Making repayments on your Orange One is simpler with autopay. Just select whether you’d like to repay the minimum repayment or the full amount each month, and it will be debited from your eligible ING account automatically.

Apply for an Orange One

Rates, fees and limits

Rates, fees and limits

The Orange One ins and outs made plain and simple.

Interest rates
  • Purchases
    % p.a. variable
  • Interest free period
    Up to 45 days interest free
  • Instalments
    % p.a. variable
  • Cash advances
    % p.a. variable
  • Annual fee
    $0
  • Late payment fee
    $20
  • Over limit fee
    $0
  • Additional cardholder
    $10/year per additional card
  • Dishonours
    $0
  • Replacement card (in Australia or overseas)
    Free
  • Emergency replacement card
    Free
  • Voucher request
    $10
  • Cash advance fee
    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
  • International ATM withdrawal
    $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 make at least 5 card purchases that are settled (not pending) 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
  • 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 also make at least 5 card purchases that are settled (and not at a 'pending status') 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 rebate
    100% rebate 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 make at least 5 card purchases that are settled (not pending) using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions). Merchants may charge you a separate fee for their services (which is not rebated under this offer).
  • Minimum credit limit
    $1,000
  • Maximum credit limit
    $30,000
  • Cash advances
    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)
  • Minimum repayments

    Each statement cycle, your minimum repayment will be the total of:

    1. a)

      The greater of:

      1. i.

        5% of the daily revolving balance as at the end of the statement cycle (excluding any amount by which your account is in arrears); or

      2. ii.

        $100 or, if the daily revolving balance as at the end of the statement cycle (excluding any amount by which your Account is in arrears) is less than $100, that lesser amount; plus

    2. b)

      any instalment plan repayments due for the statement cycle; plus

    3. c)

      any amount by which your account is in arrears (other than any overlimit amount); plus

    4. d)

      any overlimit amount that exceeds the total of:

      1. i.

        any instalment plan repayments due; plus

      2. ii.

        any amount by which your account is in arrears (other than any overlimit amount).


Terms & conditions

All the details to help you make an informed decision.

Fees and limits schedule

All the latest fees and limits for your credit card.

Apply for an Orange One

FAQs

Got a question about Orange One?

Chances are you’ll find the answer in our FAQs.

Here are some of the more common questions we get asked:

Apply for an Orange One

How to apply

How to apply

To have an Orange One, you’ll also need an Orange Everyday. If you don’t already have an Orange Everyday, don’t worry – you can request to open one up as part of your credit card application.

1. Make sure you’re eligible

Check the criteria below – if you tick all the boxes, you’re eligible to apply.

2. Apply online

You can complete and submit your Orange One application easily online.

3. Stay tuned

We’ll let you know when your application has been approved, and you’ll receive your card within 5-7 business days after that.

To be eligible to apply for Orange One you need to:

Be aged 18+

Earn $36,000 or more a year

Live in Australia as an Australian citizen or permanent resident

Have a good credit rating and meet our credit lending guidelines

Either hold an active Orange Everyday, or request to open one along with your Orange One

Have PAYG payslips

Apply for an Orange One