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  1. Home
  2. Rates and fees
  3. Credit cards fees

Credit cards fees

Orange One Low Rate fees
  • Annual fee
    $48
  • Late payment fee
    $30
  • 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.

  • International transaction 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).
    3% of transaction amount (changing to $0 from 15 October 2025)
  • International ATM withdrawal
    $5.00 (changing to $0 from 15 October 2025)
  • Australian ATM Fee Rebate Offer (Offer will only apply up until 14 October 2025 for customers that met the eligibility criteria in the previous month).
    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 source 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
  • ING International ATM Fee Rebate Offer (Offer will apply up until 14 October 2025 for customers that met the eligibility criteria in the previous month).

    NOTE: From 15 October 2025, ING International ATM fees will not be charged on Orange One accounts.
    100% of ING International ATM withdrawal 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 source 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). Neither the ING cash advance fee, nor any fee charged by an international ATM operator will be rebated under this offer.
  • International Transaction Fee Rebate Offer (Offer will apply up until 14 October 2025 for customers that met the eligibility criteria in the previous month).

    NOTE: From 15 October 2025, ING International Transaction fees will not be charged on Orange One accounts.
    100% rebate of ING international transaction 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 source 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). Merchants may charge you a separate fee for their services (which is not rebated under this offer).
  • Rebate Offers for ING Home Loan Customers applicable up until 14 October 2025
    If you hold an ING Home Loan, you do not need to meet the eligibility requirements set out above in order to access the Australian ATM Fee Rebate Offer, ING International ATM Fee Rebate Offer or the International Transaction Fee Rebate Offer.

    NOTE: From 15 October 2025 ING will no longer rebate third party ATM operator fees and will no longer charge Orange One customers international transaction fees and international ING ATM fees.
  • Find out more about Orange One Low Rate

Orange One Rewards Platinum fees
  • Annual fee
    $149
  • Late payment fee
    $30
  • 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.

  • International transaction 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).
    3% of transaction amount (changing to $0 from 15 October 2025)
  • International ATM withdrawal
    $5.00 (changing to $0 from 15 October 2025)
  • Australian ATM Fee Rebate Offer (Offer will only apply up until 14 October 2025 for customers that met the eligibility criteria in the previous month).
    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 source 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
  • ING International ATM Fee Rebate Offer (Offer will apply up until 14 October 2025 for customers that met the eligibility criteria in the previous month).

    NOTE: From 15 October 2025, ING International ATM fees will not be charged on Orange One accounts.
    100% of ING International ATM withdrawal 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 source 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). Neither the ING cash advance fee, nor any fee charged by an international ATM operator will be rebated under this offer.
  • International Transaction Fee Rebate Offer (Offer will apply up until 14 October 2025 for customers that met the eligibility criteria in the previous month).

    NOTE: From 15 October 2025, International Transaction fees will not be charged on Orange One accounts.
    100% rebate of ING international transaction 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 source 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). Merchants may charge you a separate fee for their services (which is not rebated under this offer).
  • Rebate Offers for ING Home Loan Customers applicable up until 14 October 2025
    If you hold an ING Home Loan, you do not need to meet the eligibility requirements set out above in order to access the Australian ATM Fee Rebate Offer, ING International ATM Fee Rebate Offer or the International Transaction Fee Rebate Offer.

    NOTE: From 15 October 2025 ING will no longer rebate third party ATM operator fees and will no longer charge Orange One customers international transaction fees and international ING ATM fees.
  • Find out more about Orange One Rewards Platinum

Fees and limits schedule

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