Login
  • Bank & Save
    • Everyday Banking
    • Personal Savings
    • Business Savings
    Everyday Banking
    • Orange Everyday bank account

      Because when it comes to your money, every little bit counts.

    • Orange Everyday Youth bank account

      We are no longer accepting applications for this account.

    Personal Savings
    • All personal savings

      Get ahead or stay that way with an ING savings account.

    • Savings Maximiser

      High variable interest rate. With competitive ongoing rates, all your money goes towards your savings goals.

    • Personal Term Deposit

      High interest rate guaranteed for the term. You choose the timeframe.

    • Savings Accelerator

      Tiered savings account with higher variable interest rates for balances starting at $50,000.

    Business Savings
    • All business savings

      Straightforward banking for your business.

    • Business Optimiser

      Variable interest business savings account with 24/7 access.

    • Business Term Deposit

      Fixed interest rate for business savings. You choose the timeframe.

    • Wholesale Term Deposit

      Competitive interest rates for a fixed period, that's tailored to your cash flow needs.

    Your tools
    Your financial tool-kit
    Ready to switch?
    Mobile app
    Budgeting strategy
    Everyday Round Up
    PayID
    Managing your card
    Your tools
    Your financial tool-kit
    Ways to save with ING
    Compare all savings accounts
    Budgeting strategy
    Savings calculators
    Savings interest rates
    Term deposit rates
    Your tools
    Business calculators
    Business interest rates
  • Credit Cards
    • Credit Cards
    Credit Cards
    • All credit cards

      Clear and simple, with easy-to-use features so you can stay on top of your finances.

    • Orange One Low Rate

      Low rate credit card with no annual fee.

    • Orange One Rewards Platinum

      Platinum credit card with cashback rewards.

    Your tools
    Mobile app
    Apple Pay
    Google Pay
    Credit Card interest rates
    Compare All credit cards
  • Personal Loans
    • Personal Loans
    Personal Loans
    • All Personal Loans

      Unsecured personal loan with a low fixed rate, no ongoing monthly fees and no early repayment fees.

    • Personal Loan for Car

      Hit the road sooner

    • Personal Loan for Reno

      Make your renovation dream a reality

    • Personal Loan for Wedding

      Plan your perfect day

    • Personal Loan for Travel

      Tick off your bucket list destinations

    • Personal Loan for Debt Consol

      Show your bills who's boss

    Your tools
    Personal loan borrowing power calculator
    Personal loan repayments calculator
    RateCity comparison tool
    Personal loan interest rates
    How to apply
  • Home Loans
    • Home Loans
    • Commercial Loans
    Home Loans
    • All home loans

      Home loans for buyers, investors and borrowers looking for a better deal.

    • Mortgage Simplifier

      Low variable interest rate home loan with no ongoing monthly or annual fees.

    • Orange Advantage

      Includes a 100% interest offset when linked to our Orange Everyday bank account.

    • Fixed Rate Loan

      Fixed interest rate home loans for terms of one to five years.

    • Green Upgrade Loan

      A low 5-year fixed rate with no upfront fees or break fees.

    Commercial Loans
    • Commercial Loans

      For investors looking to refinance or purchase commercial property.

    Your tools
    Tips for buyers, borrowers and investors
    Everyday round up for home loans
    Compare all home loans
    All home loan calculators
    Home loan borrowing power calculator
    Home loan repayments calculator
    Home loan interest rates
    Request a home loan variation
    Home loan reference rates
  • Insurance
    • Insurance
    • ING Car Insurance
    • ING Health Insurance
    • ING Home and Contents Insurance
    • ING Motorcycle Insurance
    • ING Pet Insurance
    • ING Travel Insurance
    Insurance
    • All Insurance

      Choose from a range of insurance options to protect you, your family and the things most special to you.

    Car Insurance
    • ING Car Insurance

      Save 15% on your first year's premium when you purchase a policy online. T&Cs apply - see disclaimer below.

    • ING Comprehensive Car Insurance

      Covers loss or damage to your car plus the damage it causes to other people's vehicles and property for which you are liable.

    • ING Third Party Car Insurance

      Covers your liability for $20 million worth of accidental damage your car causes to other people's vehicles and property.

    Health Insurance
    • ING Health Insurance

      Hospital and Extras cover options to fit your lifestyle. Find yours in a few simple steps.

    Home and Contents Insurance
    • ING Home and Contents Insurance

      Save 30% on your first year's premium when you purchase a combined ING Home and Contents Insurance policy online. T&Cs apply - see disclaimer below.

    Motorcycle Insurance
    • ING Motorcycle Insurance

      Save 15% on your first year's premium when you purchase a policy online. T&Cs apply - see disclaimer below.

    Pet Insurance
    • ING Pet Insurance

      Save 15% on your first year's premium when you purchase a policy online. T&Cs apply - see disclaimer below.

    Travel Insurance
    • ING Travel Insurance

      Currently not available for sale, for queries on policies purchased before 18 March 2020 click here.

    Your tools
    Make a claim or manage my policy
    Documents and forms
    Setup online access Car and Home
    Health Member Services
    Your tools
    Compare cover choices
    Retrieve a quote
    Manage my policy
    Make a claim
    Documents and forms
    Set up your online access

    15% off
    ING Car Insurance

    On your first year's premium when you purchase a policy online. T&Cs apply - see disclaimer below.

    Get a quote

    Your tools
    Compare cover choices
    Manage my policy
    Make a claim
    Documents and forms
    Your tools
    Compare cover choices
    Retrieve a quote
    Manage my policy
    Make a claim
    Documents and forms

    30% off ING Home &
    Contents Insurance

    On your first year's premium when you purchase a combined policy online. T&Cs apply - see disclaimer below.

    Get a quote
    Your tools
    Compare cover choices
    Retrieve a quote
    Manage my policy
    Make a claim
    Documents and forms

    15% off ING
    Motorcycle Insurance

    On your first year's premium when you purchase a policy online.

    T&Cs apply - see disclaimer below.

    Get a quote

    Your tools
    Cover choices
    Retrieve a quote
    Manage my policy
    Make a claim
    Documents and forms

    15% off
    ING Pet Insurance

    On your first year's premium when you purchase a policy online.

    T&Cs apply - see disclaimer below.

    Get a quote

    Your tools
    Documents and forms
  • Superannuation
    • Superannuation
    • SMSF
    Superannuation
    • Living Super

      A simple super solution that delivers real value, choice and control.

    SMSF
    • SMSF Cash

      Variable interest rate on the cash component of your Self Managed Superannuation Fund.

    • SMSF Term Deposit

      Fixed interest rate for your Self Managed Superannuation Fund. You choose the timeframe.

    Your tools
    Living Super accounts
    Living Super investment options
    ETFs, Shares and LICs
    Superannuation calculators
    Superannuation interest rates
  • About us
  • Contact us
  • Help and support
  • Security info
  • BSB: 923-100

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

Credit cards interest rates

Orange One Low Rate

Interest Rates

Purchases

% p.a. variable

Instalments

% p.a. variable

Cash advances

% p.a. variable
Learn more about Orange One Low Rate

Orange One Rewards Platinum

Interest Rates

Purchases

% p.a. variable

Instalments

% p.a. variable

Cash advances

% p.a. variable
Learn more about Orange One Rewards Platinum
Important Information

Information and interest rates are current as at the date of publication and are subject to change. Limitations and exclusions apply to the establishment of instalments, including minimum purchase values, number and term of instalments. Interest free period available only where entire revolving balance plus monthly instalment amounts are repaid in the previous statement period.

All applications are subject to ING’s eligibility and credit assessment criteria. Fees and charges apply. Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to our products you should read the relevant Terms and Conditions, Fees and Limits Schedule, Key Facts Sheet, Credit Guide, Cashback Rewards Terms and Conditions and Complimentary Insurance Terms and Conditions available at ing.com.au. To view these documents you may need Adobe Acrobat. Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823, Australian Credit Licence 229823.

Orange One Low Rate customers approved for a credit limit of $6,000 or more will receive an Orange One Low Rate Platinum card with access to complimentary international travel insurance. Fees and charges are the same for both Orange One Low Rate Classic and Low Rate Platinum.

Rebate Offers for Orange One Customers

The International Transaction Fee Rebate Offer, ING International ATM Fee Rebate Offer and Australian ATM Fee Rebate 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).

Card purchases includes in store credit or EFTPOS purchases, online purchases, regular card payments, payWave, Apple Pay and Google Pay transactions made with an Orange Everyday Visa card, Orange One Low Rate or Orange One Rewards Platinum Visa card or Nil Interest Visa card provided with an eligible ING home loan. When using the phrase 'settled' card purchases in a calendar month, we mean that the purchases made on your card must be fully processed by the end of the last day of that month. Card purchases made in store or online this current calendar month which are at a 'pending status' and do not settle until the next calendar month do not count towards the 5 card purchases needed this current calendar month.

When determining if you are eligible under the offer, we also take into account the behaviour of any of your joint account holders or additional cardholders.

Orange One customers who hold an ING Home Loan are automatically eligible for the International Transaction Fee Rebate Offer, the International ATM Fee Rebate Offer and Australian ATM Fee Rebate Offer, and are not required to meet this monthly criteria.

If eligible:
- for ATMs in Australia - any ATM fee charged by the ATM operator is rebated immediately following the transaction,
- for ATMs outside Australia - ING will rebate the ING International ATM withdrawal fee immediately after it is charged. ATM fees charged by international ATM operators will not be rebated. ATM transactions outside Australia can take up to 5 business days to finalise, and
- for ING international transaction fees - ING will rebate the International Transaction fee immediately after it is charged. Merchants may charge you a separate fee for their services (which is not rebated under this offer).

If eligible, the offer applies to all accounts held in your name (including in respect of any additional cardholder).

The ING cash advance fee is not rebated under any of these offers.

ING can change or withdraw this offer at any time with notice.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. The Apple  Pay Terms and Conditions for ING customers are available to consider when setting up Apple Pay on your eligible device

AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to ING Bank (Australia) Limited ABN 24 000 893 292 AFSL and Australian credit licence 229823 (ING) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the ING card insurances is available to eligible ING cardholders and other eligible third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Terms, conditions, exclusions, limits and applicable sub-limits apply. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. ING does not guarantee this insurance.

  • Help and Support
    • FAQs
    • Documents and forms
    • Tips, hints and guides
    • Financial support
    • Ways to bank
  • Rates and Fees
    • All savings rates
    • Credit card rates
    • All personal loan rates
    • All home loan rates
    • Super rates
  • Tools and Calculators
    • Regular Savings Calculator
    • Home Loan Repayments Calculator
    • Home Loan Borrowing Power Calculator
    • Personal Loan Borrowing Power Calculator
    • Personal Loan Repayments Calculator
  • Mobile banking
    Contact Us
  • Connect with Us
    • Twitter
    • Facebook
    • YouTube
    • Blog
  • About Us
  • Contact Us
  • Careers
  • Security
  • Privacy
  • Legal
  • Site Map

ING is a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823, Australian Credit Licence 229823.

ING acknowledges the Traditional Custodians of Country throughout Australia and their connection to lands, waters and communities. We pay our respect to their Elders past and present and extend that respect to Aboriginal and Torres Strait Islander employees, partners and stakeholders. View our Reconciliation Action Plan.