ING Orange One
44 reviews
I've been a long-term customer with ING. I chose ING over the money-grabbing major banks because they offer great products with NO fees and good interest rates on their savings accounts. I felt a tremendous disappointment today when I received notification from ING informing me that I will now incur an annual fee on my 'no frills' low interest… Read more
rate Orange one credit card. They have other cards products with all the bells and whistles, which incur higher fees/interest together with other benefits.
Now I'm being penalised (and possibly, subsidising their upmarket products) for electing to not be part of the high-end customer base.
Disgraceful move ING, especially at a time when so many of us are are doing what we can to deal with the ever-increasing cost of living while still having some sort of lifestyle. (To think, I use to sing your praises to my friends).
We've been banking with ING for about 6 months now. Have a home loan and my income goes straight into my ING account. I received an email a couple of days ago: "You're conditionally approved for an ING Low Rate Platinum credit card with a limit of up to $27300." Great! I thought I'd apply for a limit of half of that, financial circumstances… Read more
have not changed since the loan application. All of the details on the application were taken from the loan, which was still completely up to date. No other loans, expenses or other new changes of any sort since we were approved for the home loan. No other credit cards (had to close my one and only credit card with Westpac down to get the home loan, which I was fine with). Within 60 minutes of the application been submitted I was declined. I called them and was told that the expenses on the application should have been halved (as in half of them to my wife, half allocated to me). But even with that done, I was still ineligible for a Credit Card let alone any sort of limit. If that didn't upset me enough, they also lodged a Credit Request through Equifax on me and presumably have recorded that I was declined credit, so I cannot apply elsewhere. All based on information that they had already and didn't need to do an external check to determine. My wife also received pre-approval for $14k as well but we didn't bother doing anything with that! There's no way I would consider ING for a card now. Why pre-approve someone for money based on information that is current, and then decline the application? This just left me with a bad feeling about ING and I'll go elsewhere if I want a card in the future. Complete waste of my time and bad handling of customer expectations.
ING credit card application process is a joke – ING credit card application process and assessor’s are disgraceful. I have very good credit score,Have paid off all my old loans and credit cards Have savings and a stable government job for 7 years so I don’t understand why my application was rejected but on top of this I don’t understand why I keep getting emails that I need to take action on… Read more
the application for it to progress when I have already been advised it was declined.
I will be making sure my friends and acquaintances hear about all this.
Also nobody even called me to ask me questions, interview me or to follow up, someone is really not doing their job properly over there.
In-depth reviews
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The best card ever!! – Ive been used Ing card in Europe in 2018 and few times in Bali now. It's easy to use, pay with card and withdraw money from ATM. Had no issue with my card. I love using the ing app to clearly see my Balance, check my account on a daily basis, check my spending and easy to transfer money in and out of account. You need to deposit $1000 and make… Read more
5 transaction in the month, prior to leaving for your trip overseas to qualify free fees!! It's that simple!! You can use this card at home too for everyday use... There's a number to call for customer service too, very helpful staff. The app allows you to add your traveling dates away too.i would highly recommend this card to everyone!! It's the best card I've ever used!! This card is so great that all my children have a card as well... We have a friend who works in a well known bank and he has use ING card overseas as says it's the best card ever!! People go get a ING card and reap the rewards and benefits too. I found the application for the whole process very easy to
A low interest, no annual fee everyday credit card with no bells and whistles – Marketed by ING as "The One you want", this credit card is everything they state it is: a low interest, no annual fee everyday credit card with no bells and whistles. One of ING's selling points with this card is "no ING international transaction fees for eligible customers when you shop overseas or online". In order to be eligible you must… Read more
fulfill a few criteria - deposit $1,000 or more each month to any other ING accounts (excludes Living Super and Orange One) and make 5 or more credit card purchases that are settled.
You can use your ING Orange One card using the Apple Pay app on iPhones, which is super easy and convenient for those who like to leave the house without their wallets.
I have had zero issues with the way the credit card is billed, and everything has been straightforward, however I was a little frustrated when I was informed that we would need to pay a fee to add an additional cardholder. This is not something I've ever had to pay for with any of the other banks and building societies I've had credit cards with, but at $10 a year it was worth us doing.
This credit card has no rewards system attached, so if you like earning points to claim on little extras you won't find it with ING. What you will find is a well-designed banking app (both mobile and web-based), excellent customer service and a straightforward and easy to understand credit card account.
Recent reviews
Who do they even approve this to ? – Been declined twice with excellent credit score and no debts . Only have a mortgage of $170k and no other debts . I’m about 100k before tax And still denied. Credit score is excellent. Been employed in healthcare at same employer for 10+ years. Just completely a waste of time... Only wanted it to use overseas and online. Show details
LOOK FOR OTHER OPTIONS – ING: REJECTS long standing loyal customer, with impeccable record of credit card repayments. ING DISREGARDS customer's personal assets and extensive Savings and Retirement accounts incomes and balances, deeming customer unacceptable. Don't bother applying, look elsewhere and save yourself from the unpleasant experience of an ING rejection! Show details
Lack of customer supports – Their customer service is hopeless. I went overseas recently and realised I couldn't use my ING credit or debit cards, and call/webmail to ask for help. Guess what, I received their standard answer that I should have informed them before the trip. Yeah great answer, I knew it, but it's already happened and what I needed was HELP from ING, but received nothing. Show details
Rejection based on no merit – Thanks everyone for your reviews and had exactly the same issues. I met the Salary requirements and then some. I have a very good credit rating , not self employed and gave all the written evidence required. i was rejected and when followed up , it was because I must of made a mistake with the application. Don't risk your credit rating and look elsewhere, it seems to be a role the dice exercise. Show details
disappoint-ING-ly untrustworthy! – Customer service was not straightforward with their advice, took a long time without any update and in the end provided a very disappointing outcome. This bank not surprisingly is not trusted by many customers! A score lower than one star is more fitting for this bank!
Lost me as a customer – I loved this bank until I applied for a credit card. I was declined. Wow, I own my house and have a successful business, (admittedly I only make $75000 a year but I don't want to be GST registered, so my income can't be higher) and I have no debt and owe no money... so, I called and asked why. Apparently they don't currently give out credit cards… Read more
to self-employed customers. It appears they judge you by your sole trader status instead of your financial status. Shame cause they are an excellent bank. But I did get a Citi credit card (yeah the NAB, one of those nasty big four) at least they are fair and don't discriminate against your employment status.
Cannot Increase Limit – I find it peculiar that a bank which has in its terms (7.6 of the Orange One Terms & Conditions) "that if asked you will consider an increase to a Credit Card Limit", but when I called just now was told "No" that ING has no facility to do that. So what you are saying to me is that if someone gets a Credit Card with ING they have to stay on the… Read more
same limit no matter how life changes or the cards needs changes, even if its 10 years later? And that you ignore your own terms & conditions? Maybe its time I go elsewhere.
Find out how ING Orange One compares to other Low Rate Credit Cards
Know better, choose better.
Will not accept self-employed applicants – It would be nice if in the application criteria, they listed that they do not accept self-employed applicants - this would save a lot of time not filling in the application. The world has gone upside down. Two years into being self-employed I was given a $500,000 loan to buy premises, now six years into being self-employed with excellent credit rating, I can't even get a $5,000 credit card. How frustrating!!! Show details
Over the top application process – 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 Show details
Application process over the top! Had to chase them and still got nowhere even after providing huge amounts of info – 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
Couldn't even fill out the application form – 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 Show details
after jumping through all the hoops rejected. There of plenty of other cards available – 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. Show details
Still Waiting – 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… Read more
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.
Easy to use without international transaction fees – 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. Show details
good for travelers – 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. Show details
Perfect for travel – 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. Show details
Find out how ING Orange One compares to other Low Rate Credit Cards
Know better, choose better.
No transaction fee – 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. Show details
Good Card for Travel – 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. Show details
Good everyday card – 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. Show details
Handy great rates – 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
Perfect travel card – 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. Show details
Simple, no frills card with a few good features – 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… Read more
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.
Great low interest card – 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. Show details
Absurd Application Criteria – Applied recently and was gob smacked to be rejected immediately at the end of my online application, escalated my query to the Credit Decline Review Team and after numerous back and forth and providing payslips, group certificates, evidence of rental income and what I ate for breakfast I was still declined! This is an incredibly bizarre way to… Read more
treat an existing customer and what annoys me the most is that I continue to be marketed by ING with ‘take out our insurance policy’ ‘open up another account’ well to be honest I’m inclined to re finance and leave ING. I too can only assume they think because I work for a family owned business that I myself am self employed but I get a salary and a good one at that! Very annoyed!!
Very good credit card – I don't use it as an credit card it is more ATM Since we have off set account , Very good choice if you do overseas purchase they don't charge you extra fee like other banks Show details
Very convenient and handy – I don't use the card very much as I mainly pay cash but this is very handy to have and particularly to simple to use in ATM machines. Have found everything with my ING card and handy online banking all simple and straightforward to use. Have not used it overseas so far. Show details
They do not approve any self employed people for a credit card!!! – They don't make it very clear in the endearing marketing but if you are self employed regardless of your financials they will not give you a credit card. We have all of our other accounts with them which are in a healthy state and this means nothing to their assessment criteria. This kind of rigid criteria is how to lose customers fast! Show details
A trap to engulf interest on your hard earn – Very bad only one transaction missed and they took whole month interest amount off .
Ok i guess – Hfjfj dhdhhd hdjdjjd ydhhdhd hhdhhd jhdhd fhdhf djjdjd djfjdnd fjdj Show details
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