{
  "brand": "ING BANK (Australia) Ltd",
  "brand_label": "ING",
  "brand_slug": "ing-bank-australia-ltd",
  "legal_entity_abn": "24000893292",
  "public_base_uri": "https://id.ob.ing.com.au",
  "logo_uri": "https://www.ing.com.au/img/logos/ING_Primary_Logo_RGB.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-08-11T06:21:03Z",
  "at_a_glance": {
    "note": "This bank's entry per customer segment (personal, business) and ranking kind (low_rate, no_annual_fee, balance_transfer, rewards), one line each: its card in the best/{segment}/{kind}.json slice (student cards, companion cards and occupation-limited lenders left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. conditions is a key into condition_sets. unranked counts the cards no slice ranks, by reason. Every card follows in products and rows.",
    "rates": [
      {"segment":"personal","kind":"low_rate","rank":30,"of":52,"product_label":"Orange One Low Rate","card_type":"credit","purchase_rate_pct":12.99,"annual_fee":48.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":45,"min_credit_limit":1000.0,"max_credit_limit":30000.0,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"rewards","rank":12,"of":24,"product_label":"Orange One Rewards Platinum","card_type":"credit","purchase_rate_pct":16.99,"annual_fee":149.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":45,"min_credit_limit":6000.0,"max_credit_limit":30000.0,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":"Cash back","conditions":"k2","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "credit limit $1,000 to $30,000",
        "minimum income $36,000 a year",
        "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."
      ],
      "k2": [
        "credit limit $6,000 to $30,000",
        "minimum income $36,000 a year",
        "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."
      ]
    },
    "unranked": {
      "products": 0
    }
  },
  "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), credit and charge cards category",
  "licence_note": "Rates and fees are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates, fees and offers change without notice; promotional balance transfer and purchase rates end after their months; check the bank's page before acting. This is not financial advice.",
  "products": [
    {
      "product_id": "5031dc6b-6993-4de1-8e0b-a96de30c2f28",
      "product_name": "Orange One Low Rate",
      "product_label": "Orange One Low Rate",
      "product_slug": "orange-one-low-rate",
      "page": "/au/finance/credit-cards/cards/ing-bank-australia-ltd/orange-one-low-rate/",
      "product_url": "https://www.ing.com.au/credit-cards/orange-one.html",
      "terms_url": "https://www.ing.com.au/pdf/orangeone/Orange%20One%20Terms%20and%20Conditions.pdf",
      "fees_url": null,
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "The credit card that gives you a low interest rate plus no ING international transaction fees when you shop overseas or online.",
      "purchase_rate_pct": 12.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 12.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 45,
      "annual_fee": 48.0,
      "fee_period": "annual",
      "fee_as_stated": 48.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Annual fee",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 0.0,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 3.0,
      "cash_advance_fee": null,
      "late_payment_fee": 30.0,
      "additional_cardholder_fee": 10.0,
      "balance_transfer": null,
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay"
      ],
      "instalment_plan": false,
      "additional_cards": 3,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": 30000.0,
      "min_income": 36000.0,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit $1,000 to $30,000",
        "minimum income $36,000 a year",
        "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."
      ],
      "eligibility": [
        "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."
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 30,
          "of": 52,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/5031dc6b-6993-4de1-8e0b-a96de30c2f28",
      "source_snapshot": "/au/finance/credit-cards/v1/source/ing-bank-australia-ltd/5031dc6b-6993-4de1-8e0b-a96de30c2f28.json",
      "snapshot_at": "2026-11-05T03:37:52Z",
      "bank_last_updated": "2026-08-11T06:21:03.003Z",
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://www.ing.com.au/pdf/orangeone/Orange%20One%20Key%20Facts%20Sheet.pdf",
      "from_issuer_page": null
    },
    {
      "product_id": "a4ea7460-9e69-499d-84dd-f281c7a04130",
      "product_name": "Orange One Rewards Platinum",
      "product_label": "Orange One Rewards Platinum",
      "product_slug": "orange-one-rewards-platinum",
      "page": "/au/finance/credit-cards/cards/ing-bank-australia-ltd/orange-one-rewards-platinum/",
      "product_url": "https://www.ing.com.au/credit-cards/orange-one-platinum.html",
      "terms_url": "https://www.ing.com.au/pdf/orangeone/Orange%20One%20Terms%20and%20Conditions.pdf",
      "fees_url": null,
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "visa",
      "tier": "platinum",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "The credit card that comes with up to $30 a month cashback on your spend, and no ING international transaction fees when you shop overseas or online.",
      "purchase_rate_pct": 16.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 16.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 45,
      "annual_fee": 149.0,
      "fee_period": "annual",
      "fee_as_stated": 149.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Annual fee",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 0.0,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 3.0,
      "cash_advance_fee": null,
      "late_payment_fee": 30.0,
      "additional_cardholder_fee": 10.0,
      "balance_transfer": null,
      "rewards_program": "Cash back",
      "rewards_programs": [
        "Cash back"
      ],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [
        "Travel insurance"
      ],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay"
      ],
      "instalment_plan": false,
      "additional_cards": 3,
      "additional_cards_offered": true,
      "min_credit_limit": 6000.0,
      "max_credit_limit": 30000.0,
      "min_income": 36000.0,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit $6,000 to $30,000",
        "minimum income $36,000 a year",
        "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."
      ],
      "eligibility": [
        "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."
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "rewards",
          "rank": 12,
          "of": 24,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/a4ea7460-9e69-499d-84dd-f281c7a04130",
      "source_snapshot": "/au/finance/credit-cards/v1/source/ing-bank-australia-ltd/a4ea7460-9e69-499d-84dd-f281c7a04130.json",
      "snapshot_at": "2026-11-05T03:37:52Z",
      "bank_last_updated": "2026-08-11T06:21:03.003Z",
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://www.ing.com.au/pdf/orangeone/Orange%20One%20Key%20Facts%20Sheet.pdf",
      "from_issuer_page": null
    }
  ],
  "rows": [
    {
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "legal_entity_abn": "24000893292",
      "product_id": "5031dc6b-6993-4de1-8e0b-a96de30c2f28",
      "product_name": "Orange One Low Rate",
      "product_label": "Orange One Low Rate",
      "product_slug": "orange-one-low-rate",
      "page": "/au/finance/credit-cards/cards/ing-bank-australia-ltd/orange-one-low-rate/",
      "product_url": "https://www.ing.com.au/credit-cards/orange-one.html",
      "terms_url": "https://www.ing.com.au/pdf/orangeone/Orange%20One%20Terms%20and%20Conditions.pdf",
      "fees_url": null,
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
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      ],
      "segment": "personal",
      "purchase_rate_pct": 12.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 12.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 45,
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      "annual_fee_stated": true,
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      "fee_name": "Annual fee",
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      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 3.0,
      "cash_advance_fee": null,
      "late_payment_fee": 30.0,
      "additional_cardholder_fee": 10.0,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "bt_revert_to": null,
      "rewards_program": null,
      "rewards_programs": [],
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      "bonus_offer": null,
      "cashback_offer": null,
      "digital_wallets": [
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        "Google Pay"
      ],
      "instalment_plan": false,
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      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": 30000.0,
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        "credit limit $1,000 to $30,000",
        "minimum income $36,000 a year",
        "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."
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/5031dc6b-6993-4de1-8e0b-a96de30c2f28",
      "source_snapshot": "/au/finance/credit-cards/v1/source/ing-bank-australia-ltd/5031dc6b-6993-4de1-8e0b-a96de30c2f28.json",
      "snapshot_at": "2026-11-12T02:35:56Z",
      "bank_last_updated": "2026-08-11T06:21:03.003Z",
      "document_links_source": {
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        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://www.ing.com.au/pdf/orangeone/Orange%20One%20Key%20Facts%20Sheet.pdf",
      "from_issuer_page": null,
      "rate_pct": 12.99,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 30,
          "of": 52,
          "hidden_by_default": null
        }
      ]
    },
    {
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "legal_entity_abn": "24000893292",
      "product_id": "a4ea7460-9e69-499d-84dd-f281c7a04130",
      "product_name": "Orange One Rewards Platinum",
      "product_label": "Orange One Rewards Platinum",
      "product_slug": "orange-one-rewards-platinum",
      "page": "/au/finance/credit-cards/cards/ing-bank-australia-ltd/orange-one-rewards-platinum/",
      "product_url": "https://www.ing.com.au/credit-cards/orange-one-platinum.html",
      "terms_url": "https://www.ing.com.au/pdf/orangeone/Orange%20One%20Terms%20and%20Conditions.pdf",
      "fees_url": null,
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "visa",
      "tier": "platinum",
      "segments": [
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      ],
      "segment": "personal",
      "purchase_rate_pct": 16.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
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      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 45,
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      "fee_period": "annual",
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      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 3.0,
      "cash_advance_fee": null,
      "late_payment_fee": 30.0,
      "additional_cardholder_fee": 10.0,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "bt_revert_to": null,
      "rewards_program": "Cash back",
      "rewards_programs": [
        "Cash back"
      ],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "digital_wallets": [
        "Apple Pay",
        "Google Pay"
      ],
      "instalment_plan": false,
      "additional_cards": 3,
      "additional_cards_offered": true,
      "min_credit_limit": 6000.0,
      "max_credit_limit": 30000.0,
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      "restrictions": [],
      "who_can_open": {
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        "groups": [],
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      },
      "conditions": [
        "credit limit $6,000 to $30,000",
        "minimum income $36,000 a year",
        "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."
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/a4ea7460-9e69-499d-84dd-f281c7a04130",
      "source_snapshot": "/au/finance/credit-cards/v1/source/ing-bank-australia-ltd/a4ea7460-9e69-499d-84dd-f281c7a04130.json",
      "snapshot_at": "2026-11-12T02:35:56Z",
      "bank_last_updated": "2026-08-11T06:21:03.003Z",
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://www.ing.com.au/pdf/orangeone/Orange%20One%20Key%20Facts%20Sheet.pdf",
      "from_issuer_page": null,
      "rate_pct": 16.99,
      "rankings": [
        {
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          "kind": "rewards",
          "rank": 12,
          "of": 24,
          "hidden_by_default": null
        }
      ]
    }
  ],
  "licence_shared_with": []
}