ING Orange One Low Rate

credit card

Orange One Low Rate is a credit card from ING, as the bank publishes it in its product data. Its purchase rate is 12.99% and its card fee $48 a year. It ranks 30th of 52 issuers for a personal card by lowest purchase rate.

What the feed states

Purchase rate

12.99%

Cash advance rate

12.99%

Interest-free days

up to 45

Card fee

$48 a year (Annual fee)

Foreign transaction fee

0% of the transaction

Cash advance fee

3%

Late payment fee

$30

Additional cardholder fee

$10

Digital wallets

Apple Pay, Google Pay

Additional cardholders

up to 3

Credit limit

$1,000 to $30,000

Minimum income

$36,000 a year

Minimum age

18

Scheme

Visa

Conditions and offers

• credit limit $1,000 to $30,000
• minimum income $36,000 a year

Who can apply, in the bank's words

• Have and maintain an Australian residential address.
• You need to hold, or have applied for, an ING Orange Everyday Transaction Account at the time you apply.
• Monthly Auto-Pay from a linked ING account for the Minimum or Full Amount.

About this card

The credit card that gives you a low interest rate plus no ING international transaction fees when you shop overseas or online.

Data

• ING's own page for this card.
• The issuer's documents its feed links to: terms and conditions.
• Our verbatim snapshot of the bank's product record (source), as fetched on 2026-11-05.
• The issuer's Key Facts Sheet.
• /au/finance/credit-cards/v1/brands/ing-bank-australia-ltd.json: this issuer's cards as JSON; ING's page lists them.
• The bank last updated this record on 2026-08-11; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.

Other cards at ING

• Orange One Rewards Platinum credit card, 16.99%, $149 a year