ING Orange One Credit Card: Simple, Rewarding & Fee-Friendly

If you’re looking for a smart, low-cost way to manage everyday spending, the ING credit card — specifically the ING Orange One Credit Card — deserves a spot on your radar. Designed with simplicity and affordability in mind, it offers a streamlined experience that aligns perfectly with ING's digital-first approach. Whether you're an existing Orange

Everyday customer or considering switching to ING Bank, this ING card can help you take better control of your finances — all while rewarding you along the way.

In this blog post, we’ll break down the features, pros and cons, fees, and rewards program of the ING credit card. You’ll also find a detailed comparison, eligibility checklist, and answers to the most common FAQs Aussies ask before applying.

What is the ING Orange One Credit Card?

The ING Orange One Credit Card is a low-fee credit card designed for budget-conscious Australians. With a competitive interest rate, no annual fee (when eligibility criteria are met), and integration with ING’s Orange Everyday banking, it's tailored for customers who want to spend smart without compromising on convenience or digital perks.

Ready to take control of your finances? Explore more smart credit card options at Utility Choice AU — and find the right fit for your financial goals today.

ING Orange One Credit Card: Quick Overview

Feature	Details
Issuer	ING Bank Australia
Card Type	ING Orange One Credit Card
Annual Fee	$0 (if you meet eligibility criteria)
Purchase Rate	11.99% p.a.
Interest-Free Days	Up to 45 days
Minimum Credit Limit	$1,000
Rewards Program	Not included (Focus on low fees)
Mobile Payments	Apple Pay, Google Pay, Samsung Pay
Linked Account	Orange Everyday account
Cash Advance Rate	Not available (No cash advances allowed)

ING Credit Card: Key Features and Benefits

The ING credit card comes with a bunch of features that make it stand out among low-fee options:

• No Annual Fee: Pay $0 annual fee if you deposit $1,000+ and make 5+ card purchases per month.

• Low Interest Rate: Enjoy one of the lowest rates in the market at 11.99% p.a.

• Mobile Wallet Compatibility: Pay on the go with Apple Pay, Google Pay, or Samsung Pay.

• Spending Notifications: Real-time alerts through the ING app.

• No Cash Advances: Helps avoid temptation and additional debt.

• Seamless Integration: Easily manage via your Orange Everyday account.

Pros and Cons of the ING Orange One Credit Card

Pros	Cons
$0 annual fee (if eligible)	No rewards or frequent flyer points
Low interest rate	No balance transfer facility
No cash advance – helps control debt	Requires ING Orange Everyday account
Real-time transaction alerts	Minimum credit limit may be too low for some
Apple/Google/Samsung Pay supported	Fewer features compared to premium cards

Why Choose the ING Credit Card Over Others?

With many Australians rethinking how they use credit in 2025, a no-nonsense approach like that offered by ING credit card products is appealing. Unlike many cards that bury you in fine print, the ING Orange One is about transparency and simplicity.

• No hidden charges

• Encourages good money habits

• Perfect for budget-focused users

• Ideal if you already use an Orange Everyday account

If you’re looking for a credit card ING Bank backs with user-friendly support, this one ticks a lot of boxes.

Who Should Apply for the ING Orange One Credit Card?

The ING Orange One suits:

• Millennials and Gen Z users who are app-savvy

• Budget-conscious individuals

• ING Orange Everyday account holders

• First-time credit card users

• People looking to avoid annual fees

If you're tired of traditional cards with bloated fees and unnecessary perks, this ING card could be your smarter alternative.

Fees and Charges of the ING Orange One Credit Card

Fee Type	Amount
Annual Fee	$0 (if conditions met) or $99 otherwise
Purchase Interest Rate	11.99% p.a.
Late Payment Fee	$10
Foreign Transaction Fee	2.5%
Cash Advance Fee	Not applicable (not available)
Overlimit Fee	$0

Eligibility Criteria and Required Documents

To apply for the ING credit card, you must:

• Be 18 years or older

• Be an Australian citizen or permanent resident

• Have a regular income

• Hold an Orange Everyday account

• Have good credit history

Required Documents:

• Proof of income (payslips, bank statements)

• Personal identification (passport or driver’s licence)

• Existing ING account details (if applicable)

What to Know Before You Apply

• No rewards program: The ING Orange One prioritises savings over perks.

• Tight integration: You must hold an ING Orange Everyday account.

• Disciplined use: Best suited for those who can pay off balances monthly.

• No balance transfers: Unlike traditional credit cards, there's no facility to transfer balances.

• No joint applications: Single applicants only.

Final Thoughts: Is the ING Credit Card Worth It?

If your goal is to cut down on unnecessary fees and avoid getting caught in high-interest traps, the ING credit card is a brilliant option. It’s not about glam – it's about function, affordability, and ease. While it lacks a rewards program, the absence of an annual fee and low interest make it a top choice for mindful spenders.

Whether you're upgrading from a debit card or streamlining your current credit situation, this credit card ING Bankoffers is designed to simplify your finances.

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Compare ING Credit Cards and More on Utility Choice AU

Not sure if the ING Orange One is the best fit for your needs? Compare it with other top-rated cards on UtilityChoice .Whether you're looking for rewards, travel perks, or low-interest options, our free comparison tool makes it easy to find the right credit card for your lifestyle.

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Frequently Asked Questions ( FAQS )

1. What is the ING Orange One Credit Card?

It's a low-fee, low-interest ING credit card designed for everyday use with features like mobile wallet integration and real-time alerts.

2. Does the ING credit card have an annual fee?

No, you can avoid the $99 annual fee by depositing $1,000 and making 5+ purchases each month.

3. What’s the interest rate on the ING Orange One Credit Card?

The current purchase interest rate is 11.99% p.a., which is lower than the market average.

4. Is there a rewards program with the ING card?

No, this card focuses on savings and simplicity rather than reward points.

5. Can I use the ING credit card overseas?

Yes, but there’s a 2.5% foreign transaction fee.

6. Do I need an ING Orange Everyday account to apply?

Yes, it's a mandatory requirement.

7. Can I transfer balances from another credit card?

No, the ING credit card does not offer a balance transfer facility.

8. How do I manage my ING card account?

You can manage everything via the ING mobile app, including payments, limits, and alerts.

9. Is this card suitable for students?

It may be, if they meet the income and credit requirements, and already have an Orange Everyday account.

10. Where can I compare ING credit card with others?

Visit UtilityChoice.com.au to compare this and other top cards based on fees, features, and suitability.