{
  "snapshot_at": "2026-11-05T03:37:52Z",
  "brand": "ING BANK (Australia) Ltd",
  "brand_slug": "ing-bank-australia-ltd",
  "product_id": "5031dc6b-6993-4de1-8e0b-a96de30c2f28",
  "cdr_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/5031dc6b-6993-4de1-8e0b-a96de30c2f28",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://id.ob.ing.com.au/cds-au/v1/banking/products/5031dc6b-6993-4de1-8e0b-a96de30c2f28'",
  "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.",
  "data": {
    "productId": "5031dc6b-6993-4de1-8e0b-a96de30c2f28",
    "effectiveFrom": "2017-05-11T23:00:00Z",
    "effectiveTo": "9999-12-31T01:00:00Z",
    "lastUpdated": "2026-08-11T06:21:03.003Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Orange One Low Rate",
    "description": "The credit card that gives you a low interest rate plus no ING international transaction fees when you shop overseas or online.",
    "brand": "ING",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.ing.com.au/credit-cards/orange-one.html"
    },
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "CREDIT",
        "title": "OO",
        "imageUri": "https://www.ing.com.au/img/OO/OO_Visa.png"
      }
    ],
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Credit Card",
        "additionalInfo": "Available worldwide where Visa is accepted and EFTPOS is available."
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited electronic transactions."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfo": "Leave your wallet at home and pay the easy way with Apple Pay."
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY",
        "additionalInfo": "Make payments the easy way."
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Transaction notification",
        "additionalInfo": "Receive SMS or email notifications when your balance moves above or below an amount you’ve specified, or when a withdrawal or deposit is above an amount you’ve specified."
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "3",
        "additionalInfo": "You can ask us to issue a Visa Credit Card to up to 3 Additional Cardholders."
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P45D",
        "additionalInfo": "Up to 45 days interest free on purchases."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Use instalment plans to pay off your purchases over time at a lower interest rate - making them easier to plan and manage."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfo": "Leave your wallet at home and pay the easy way with Google Pay."
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "1000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "30000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "You must be aged 18 or over."
      },
      {
        "eligibilityType": "MIN_INCOME",
        "additionalValue": "36000.00",
        "additionalInfo": "You must meet any salary or regular deposit condition that we advise at the time you apply."
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "AU",
        "additionalInfo": "Available to Australian citizen or Australian permanent resident."
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "NZ",
        "additionalInfo": "Available to New Zealand citizen."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Have and maintain an Australian residential address."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You need to hold, or have applied for, an ING Orange Everyday Transaction Account at the time you apply."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Monthly Auto-Pay from a linked ING account for the Minimum or Full Amount."
      }
    ],
    "fees": [
      {
        "name": "Annual fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "48.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y"
      },
      {
        "name": "Late payment fee",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Additional card holder fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "$10/year per additional card."
      },
      {
        "name": "International transactions",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Pay no ING fees on international transactions (online, overseas and over the phone)"
      },
      {
        "name": "International ATM withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "ATM operators may charge you a fee which won’t be rebated."
      },
      {
        "name": "Cash advance fee",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0300"
        },
        "currency": "AUD",
        "additionalInfo": "The greater of $3 or 3% of the cash advance amount."
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.1299",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      },
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.1299",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      },
      {
        "lendingRateType": "DISCOUNT",
        "rate": "0.0999",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalValue": "Instalments",
        "additionalInfo": "Use instalment plans to pay off your purchases over time at a lower interest rate."
      }
    ],
    "instalments": {
      "maximumConcurrentPlans": 10,
      "minimumPlanValue": "250.00",
      "minimumSplit": 3,
      "maximumSplit": 84
    }
  }
}