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Orange One Low Rate

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  3. Orange One Low Rate

Orange One Low Rate Credit Card

Start application
$0

annual fee

  • A low % p.a. variable rate on purchases and cash advances*
  • No ING International Fees for eligible customers
  • Instalment plans with a lower rate of % p.a. variable

For whatever's on the cards

Whether you've got one big thing on the cards or lots of little things, Orange One Low Rate can help you get there. It comes value packed with a low interest rate, no annual fee, plus no ING International Transaction Fees for eligible customers when you shop overseas or online.

Features

Why apply for Orange One Low Rate?

  • No annual fee

    No annual fee

    No tricks, no annual fee. Just a great value credit card.

  • Low interest rates

    Low interest rates

    Get a low variable rate of % p.a. on purchases and cash advances and an even lower variable % p.a. on instalments.

  • No international transaction fees

    No international transaction fees

    Want to avoid international transaction fees when you shop online and overseas? Just deposit $1,000+ each month to any of your ING accounts (excl Living Super and Orange One) and make 5+ card purchases that are settled (not pending).

  • Lock in a lower interest rate with instalments

    Lock in a lower interest rate with instalments

    Use instalment plans to pay off your purchases over time at a lower interest rate - making them easier to plan and manage.

  • Make payments from your mobile

    Make payments from your mobile

    Leave your wallet at home and pay the easy way with Apple Pay and Google Pay - they're fast, secure and convenient.

  • Put repayments on autopilot

    Put repayments on autopilot

    Making repayments on your Orange One Low Rate is simpler with autopay. Just select whether you'd like to repay the minimum repayment or the full amount each month, and it will be debited from your eligible ING account automatically.

Thinking of applying for an Orange One Low Rate with a minimum limit of $6,000 or more?

Important information

Apply for an Orange One Low Rate

Rates, fees and limits

Rates, fees and limits

The Orange One Low Rate ins and outs made plain and simple.

Interest rates

  • Purchases
    % p.a. variable
  • Interest free period
    Up to 45 days interest free
  • Instalments
    % p.a. variable
  • Cash advances
    % p.a. variable
  • Annual fee
    $0
  • Late payment fee
    $30
  • Over limit fee
    $0
  • Additional cardholder
    $10/year per additional card
  • Dishonours
    $0
  • Replacement card (in Australia or overseas)
    Free
  • Emergency replacement card
    Free
  • Voucher request
    $10
  • Cash advance fee
    The greater of $3 or 3% of the cash advance amount.

  • International transaction fee (payable to us) :

    for all Transactions in a foreign currency; and for all Transactions in Australian dollars or a foreign currency, where: the merchant or financial institution accepting the card is located outside of Australia; or the entity processing the Transaction is located outside of Australia).
    3% of transaction amount.
  • International ATM withdrawal
    $5.00
  • Australian ATM Fee Rebate Offer
    100% of ATM fee.
    Offer will apply for the next calendar month when you perform the following during the current calendar month: deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One), and make at least 5 card purchases that are settled (not pending) using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions). The ING cash advance fee is not rebated under this offer
  • ING International ATM Fee Rebate Offer
    100% of ING International ATM withdrawal fees when eligibility criteria is met.
    Offer will apply for the next calendar month when you perform the following during the current calendar month: deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One), and make at least 5 card purchases that are settled (not pending) using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions). Neither the ING cash advance fee, nor any fee charged by an international ATM operator will be rebated under this offer.
  • International Transaction Fee Rebate Offer
    100% rebate of ING international transaction fees when eligibility criteria is met.
    Offer will apply for the next calendar month when you perform the following during the current calendar month: deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One), and make at least 5 card purchases that are settled (not pending) using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions). Merchants may charge you a separate fee for their services (which is not rebated under this offer).
  • Rebate Offers for ING Home Loan Customers
    If you hold an ING Home Loan, you do not need to meet the eligibility requirements set out above in order to access the Australian ATM Fee Rebate Offer, ING International ATM Fee Rebate Offer or the International Transaction Fee Rebate Offer.
  • Minimum credit limit
    Low Rate Classic
    $1,000
    Low Rate Platinum
    $6,000
  • Maximum credit limit
    Low Rate Classic
    $5,999
    Low Rate Platinum
    $30,000
  • Cash advances
    10% of the credit limit, up to a $500 maximum
  • Purchases using Visa payWave without a PIN
    Under $100 in Australia (other limits may apply outside of Australia)
  • Minimum repayments

    Each statement cycle, your minimum repayment will be the total of:

    1. a)

      The greater of:

      1. i.

        5% of the daily revolving balance as at the end of the statement cycle (excluding any amount by which your account is in arrears); or

      2. ii.

        $100 or, if the daily revolving balance as at the end of the statement cycle (excluding any amount by which your Account is in arrears) is less than $100, that lesser amount; plus

    2. b)

      any instalment plan repayments due for the statement cycle; plus

    3. c)

      any amount by which your account is in arrears (other than any overlimit amount); plus

    4. d)

      any overlimit amount that exceeds the total of:

      1. i.

        any instalment plan repayments due; plus

      2. ii.

        any amount by which your account is in arrears (other than any overlimit amount).


Terms & conditions

All the details to help you make an informed decision.


Low Rate Credit Card
Target Market Determination

Fees and limits schedule

All the latest fees and limits for your credit card.


Key Facts Sheet

Apply for an Orange One Low Rate

FAQs

Got a question about Orange One Low Rate?

Chances are you'll find the answer in our FAQs.

Here are some of the more common questions we get asked:

See all Orange One Low Rate FAQs.

Apply for an Orange One Low Rate

How to apply

How to apply

To have an Orange One Low Rate, you'll also need an Orange Everyday. If you don't already have an Orange Everyday, don't worry - you can request to open one up as part of your credit card application.

Orange One Low Rate - How to apply

1. Make sure you're eligible

Check the criteria below - if you tick all the boxes, you're eligible to apply.

Orange One Low Rate - How to apply

2. Apply online

You can complete and submit your Orange One Low Rate application easily online.

Orange One Low Rate - How to apply

3. Stay tuned

We'll let you know when your application has been approved, and you'll receive your card within 5-7 business days after that.

Things to know before you apply:
To be eligible to apply for Orange One Low Rate, you must:

Be aged 18+ and have a valid proof of ID - driver's licence, passport or Medicare

Earn $36,000 or more a year (before tax)

Be an Australian citizen, New Zealand or Australian permanent resident

Have and maintain an Australian residential address

Have a good credit rating and meet our credit lending guidelines

Hold an active Orange Everyday bank account, or request to open one along with your Orange One Low Rate

Note: Orange One Low Rate is currently not available to self-employed applicants.

You should have the following supporting documents handy so we can assess your application faster. Examples of supporting documents can include:

PAYG payslips

Proof of super income

Bank statements

Tax returns

Apply for an Orange One Low Rate