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Credit Cards

Orange One

The ‘no annual fee’ One.

For existing eligible customers only.

Orange One

Low rate credit card with no annual fee.

Features

Why apply for Orange One?

  • No annual fee

    Keep it simple and get the features you need, with no annual fee.

  • Interest rates

    You get a variable % p.a. on purchases and cash advances, and an even lower variable % p.a. on instalments.

  • Manage your big purchases

    Use instalments to pay off large purchases over set terms of your choice, on a lower interest rate.

  • Mobile payments

    Make everyday payments easier using your Orange One card and Apple Pay. (Android Pay coming soon).

  • Automatic repayments

    Select the repayment amount to be debited straight from your eligible ING account of choice using autopay. It’s that easy.

  • Notifications

    Manage your spending limits and set up regular notifications so you won’t get any nasty surprises at the end of the month.

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 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
  • 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.
  • 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). 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 month, you are required to pay, as a minimum:

    1. a)

      The greater of:

      1. i.

        10% of the total amount owing on the account (excluding the total amount owing under instalment plans and any amount by which the account is in arrears); or

      2. ii.

        $100 or, if the total amount owing on the account (excluding the amount owing under instalment plans and any amount by which the account is in arrears) is less than $100, that lesser amount;

    2. b)

      All repayments due under each instalment plan for the month, and

    3. c)

      Any amount by which the account is in arrears


Terms & conditions

All the detail to help you make an informed decision.

Fees and limits schedule

Credit card fees plus limits.

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:

How to get started

How to apply

When applying for Orange One you will need to have an active Orange Everyday account:

1. Check your eligibility

Check the criteria below to see if you’re eligible to apply.

2. Apply for Orange One

Complete and submit an application online.

3. Sit tight

Once approved, you will receive your card in 5-7 business days.

To be eligible 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