ING BANK (Australia) Ltd
Orange One Low Rate
ING BANK (Australia) Ltd · cred and chrg cards
Provider last updated this product 2026-08-11.
The credit card that gives you a low interest rate plus no ING international transaction fees when you shop overseas or online.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| CASH ADVANCE | 12.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| PURCHASE | 12.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| DISCOUNT | 9.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Use instalment plans to pay off your purchases over time at a lower interest rate. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Annual fee | PERIODIC | $48 | - |
| Late payment fee | LATE_PAYMENT | $30 | - |
| Additional card holder fee | PERIODIC | $10 | $10/year per additional card. |
| International transactions | TRANSACTION | 0.00% | Pay no ING fees on international transactions (online, overseas and over the phone) |
| International ATM withdrawal | WITHDRAWAL | $0 | ATM operators may charge you a fee which won’t be rebated. |
| Cash advance fee | CASH_ADVANCE | 3.00% | The greater of $3 or 3% of the cash advance amount. |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-09-27 | 2026-09-30 (current) | 9.99% |
Published figures as captured daily since 2026-09-27. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- Use instalment plans to pay off your purchases over time at a lower interest rate - making them easier to plan and manage.
Instalment plan
- Instalments - 3 to 84 instalments
- Purchase size - from $250
- Plans at once - up to 10
- Instalment limit - $30,000
Who can apply
- min age - 18You must be aged 18 or over.
- min income - 36000.00You must meet any salary or regular deposit condition that we advise at the time you apply.
- residency status - AUAvailable to Australian citizen or Australian permanent resident.
- residency status - NZAvailable to New Zealand citizen.
- otherHave and maintain an Australian residential address.
- otherYou need to hold, or have applied for, an ING Orange Everyday Transaction Account at the time you apply.
- otherMonthly Auto-Pay from a linked ING account for the Minimum or Full Amount.
Limits
- min limit - 1000.00
- max limit - 30000.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-08-11T06:21:03.003Z · Product ID: 5031dc6b-6993-4de1-8e0b-a96de30c2f28