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ING Orange One

ING Orange One

2.8 from 29 reviews · View Statistics
See the Best No Annual Fee Credit Cards in 2022 as rated by Australians on ProductReview.com.au.
Listing monitored by ING DIRECT

Pros

No Annual Fee
Set up instalment payments for a reduced rate
Accessible $1,000 minimum credit limit

Cons

No International Transaction Fee is conditional - $1,000 deposit in an ING account (excluding Living Super and Orange One) and 5+ card purchases per month are required.

Details

Any card with a $0 annual fee and a low interest rate is going to going to attract attention, but there's a couple of important keys to getting the most out of this card.

No International Transaction Fees

This feature is not standard, it only becomes activated when you deposit at least $1,000 each month into an ING account* and make at least 5 card purchases that are settled (i.e. not pending). This feature comes in the form of immediate rebates and covers international ATM fees, Foreign currency conversion fees, and Australian ATM fees. It does not cover cash advance fees or separate merchant fees.

*(excludes Living Super and Orange One)

Paying by instalments

If you set up regular payment instalments you can receive a variable rate of 9.99%. Each monthly instalment repayment forms part of the minimum monthly repayment and run for a duration of between 3 months and 7 years.

CategoryLow Rate Credit Cards and No Annual Fee Credit Cards
Card TypeVisa
BenefitsNo Foreign Transaction Fee
Minimum Credit Limit $1,000.00
Maximum Credit Limit $30,000.00
Additional Cardholder Fee $10.00 p.a.
Contactless PaymentsApple Pay
Rates & Fees
Purchase Rate11.99% p.a.
Cash Advance Fee3%
Late Payment Fee$20.00
Annual Fee$0.00 p.a.
Foreign Transaction Fee 2.5%
Overseas ATM Withdrawal Fee$2.50
Interest Free Period 45 days
Visit official website

Reviews

  • Transparency
    3.3 (23)
  • Customer Service
    3.4 (24)
  • Rates and Fees
    4.2 (20)
  • Rewards
    2.7 (11)
  • Online Experience
    3.3 (21)
  • Application Process
    3.4 (19)
Previous
Next
Prabhat P.
Prabhat P.Sydney, NSW

Over the top application process

published

I have checking and saving account with ING and good balance in there. I am perm employee with annual package above 150 K. Provided them with salary slip, tax return and all documents asked. Took 5 days to say that i dont meet their credit criteria.. i am happy to continue with my Amex card and perhaps time to shift saving account else where

  • Transparency
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  • Incentivised Review No
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Chris
Chris Greater Melbourne (Metropolitan), VIC
  • 6 reviews
  • 6 likes

Application process over the top! Had to chase them and still got nowhere even after providing huge amounts of info

published

Application process over the top. After providing 2 payslips and a full years tax return information they still wanted more information. Applied for a Citibank card and it arrived already

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jacq.k.
jacq.k.
  • 13 reviews
  • 3 likes

Couldn't even fill out the application form.

published

Read the information on the basic credit card sounded ok.
have been an existing customer for 10 years or more decided to fill out application form. That didn't happen.
Contacted customer service apparently I need to upload other documents.
Too much hassle I will stick with my existing competitive credit card

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Kevin Reid
Kevin Reid
  • 4 reviews

after jumping through all the hoops rejected. There of plenty of other cards available.

published

Never got the chance to as was not issued a card. The whole purpose was to get the card to use overseas as the offer of no bank or exchange fees is very convenient. I think the decision not to issue me a card was rather short sighted.

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Seds
SedsSydney, NSW
  • 2 reviews
  • 4 likes

Still Waiting...

published

Applied on line, got declined immediately without any explanation, even though I work full time. Called and spoke to someone, who honestly couldn't care less and said I have put in some wrong information. She "corrected it" and said someone will call you back .Got an email saying we are almost there and we might need more information. That was 4 or 5 days ago now. Never heard back. Makes absolutely no sense why I got declined in the first place, as I've asked for $2000 limit and make 60K a year. Wont apply again, thats for sure.

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Easy to use without international transaction fees

published

I didn't actually know why my international transaction fees kept being refunded. I now know it's because I use it more than 5 times a month. They should advertise this little known feature so that more people know about it and don't need to seek out a different more specialised no international transaction fee card.

  • Transparency
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Victor
VictorGreater Melbourne (Inner), VIC
  • 2 reviews

good for travelers

published

If one travels a lot overseas, this card can save you heaps in terms of transaction fee. When i travel overseas, i use this card often. Also you can use it for day to day shopping.

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James D.
James D.
  • 3 reviews

Perfect for travel

published

I travel a lot, and having used many credit cards (ANZ, CBA, QANTAS & Coles) I have to say that the ING card has been very useful. I don't need to stress about intl transaction fees as they get refunded and the app is very handy.

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Chloe
ChloeBrisbane
  • 5 reviews
  • 2 likes
  • Verified

No transaction fee

published

ING will return all international/ domestic transaction fees back as long as you use it at least 5 times a month. Whenever I am overseas, I only use ING card. Perfect for travel.

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No Annual Fee Credit Cards

Find out how ING Orange One compares to other No Annual Fee Credit Cards

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Maddy S.
Maddy S.
  • 3 reviews

Good Card for Travel

published

Perfect card for travel as they waive off international transaction fees. The currency conversion charges are very low compared to other bank credit cards. I use this card for grocery shopping, air travel and car repairs.

  • Transparency
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Huda
HudaMetropolitan Adelaide, SA
  • 12 reviews
  • 4 likes
  • Verified

Good everyday card

published

The app is pretty handy and easy to use. Can search through transactions easily. I use it for everyday purchases I know I will not need to claim price protection for. I wish they had offices so we can drop in for quick questions though.

  • Transparency
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Waz
Waz
  • 5 reviews
  • 2 likes

Handy great rates

published

Used at all major hotels . Excellent back up and accepted at most restaurants tourist places. So worth having a few different options to choose from when making payments overseas and on holidays

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  • Rates and Fees
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The reviewer stated that an incentive was offered for this review

No Annual Fee Credit Cards

Find out how ING Orange One compares to other No Annual Fee Credit Cards

Know better, choose better.

Compare all
Stuey001
Stuey001Metropolitan Adelaide, SA
  • 9 reviews
  • 5 likes

Perfect travel card

published

Using the ING Visa is a practical card and probably all you need when you travel overseas.

There are no rewards like other cards. What you do get is no ATM fees and the ability to use overseas without incurring any fees.

As long as you meet the minimum $1000 balance you will incur no fees.

Ofcourse you have the excellent ING customer support to back you up which is reassuring and outstanding.

  • Transparency
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clarni
clarniSouth East Queensland, QLD
  • 2 reviews
  • 1 like

Simple, no frills card with a few good features

published

I use ING as my main bank and I easily meet the deposit and transaction requirements on your Orange Everyday for better interest, free overseas transactions etc. So I applied for the ING One card. The card has a few good features as minimum $1000 limit and low interest rate, it doesn't have any rewards program, but offers up to 45 days interest free on purchases, which is great. But it doesn't support Android Pay for mobile payments so after a time I stopped using it and I closed the card.

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The reviewer stated that an incentive was offered for this review

Nina K.
Nina K.
  • 3 reviews
  • 1 like

Great low interest card

published

Great low interest card without the frills. Easy and fast online application. Card delivered with a couple of days of being approved. Great card if you make purchases overseas as they dont charge extra fees.

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