Simplify Your Finances with ING One Low Rate Credit Card

Managing your finances shouldn’t be complicated. That’s why the ING One Low Rate Credit Card is designed to help Australians keep things simple while enjoying the benefits of a low-interest credit card.

Whether you’re looking to streamline your expenses, pay off a significant purchase, or simply want a reliable card for everyday spending, the ING One Low Rate Credit Card offers a straightforward solution without the fuss.

In this article, we’ll dive into the standout features of the ING One Low Rate Credit Card, its potential downsides, and the essential details you should know before applying.

Top Features of the ING One Low Rate Credit Card

One of the most attractive aspects of the ING One Low Rate Credit Card is its low variable interest rate of 11.99% p.a. on purchases and cash advances.

This makes it an excellent choice for those who may carry a balance from month to month, as it helps minimize interest costs. Additionally, if you opt for an instalment plan, you’ll enjoy an even lower rate of 9.99% p.a.

Another significant benefit is the up to 45 days interest-free on purchases. This feature provides some breathing room, allowing you to pay off your balance without accruing interest, as long as you settle your account in full by the due date each month.

For those who travel or shop online with international retailers, the card offers a major perk: no ING international transaction fees.

To qualify, simply deposit $1,000 or more each month into your ING account and make at least five settled card purchases. This can result in considerable savings, especially if you frequently make purchases in foreign currencies.

Potential Downsides of the ING One Low Rate Credit Card

While the ING One Low Rate Credit Card offers plenty of advantages, there are some downsides to consider. The card doesn’t come with a rewards program, which may be a drawback if you prefer earning points or cashback on your spending.

Additionally, the fees for cash advances can be high, greater than $3 or 3% of the cash advance amount, so it’s best to avoid using the card for cash withdrawals if possible.

Another potential drawback is the 3% international transaction fee for those who don’t meet the eligibility requirements for the fee rebate. If you’re planning to use the card overseas or with international merchants and don’t qualify for the fee rebate, these charges can add up quickly.

Requirements to Apply for the ING One Low Rate Credit Card

Before you apply for the ING One Low Rate Credit Card, it’s important to ensure that you meet the basic eligibility requirements:

1. Age Requirement: You must be at least 18 years old to apply for this card.
2. Australian Residency: Applicants must be Australian citizens or permanent residents.
3. Good Credit History: A solid credit history is crucial for approval. ING will assess your credit score as part of the application process, so it’s a good idea to check your credit report beforehand to ensure it’s in good shape.
4. Proof of Income: You’ll need to provide evidence of a stable income. While ING doesn’t specify a minimum income, demonstrating regular earnings will improve your chances of approval.
5. Identification: As part of the application process, you’ll need to provide valid identification, such as a driver’s licence or passport, to verify your identity.

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

Steps to Apply for the ING One Low Rate Credit Card

Applying for the ING One Low Rate Credit Card is straightforward and can be done online in just a few steps:

1 – Access the Card Page: Begin by visiting the direct link to the ING One Low Rate Credit Card page:

2 – Start your application: Click the “Start Application” button.

3 – A pop-up will appear with important information that you need to review before proceeding. The pop-up will outline the minimum requirements to apply for a card.

After reviewing these requirements, you will see two buttons: New Customer and Existing Customer. Click the one that applies to you.

4 – Continue Your Application: Based on your selection, you’ll be directed to continue the application process. Follow the instructions provided and enter the necessary personal and financial information as requested.

5 – Once you’ve completed the application form and provided all the required documents, submit your application for review.

6 – ING will review your application. If approved, you can expect to receive your ING One Low Rate Credit Card within 5 to 10 business days.

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

Important Details Before You Apply

Before you apply, consider these additional details:

• Credit Limit: The minimum credit limit for the Low Rate Classic card is $1,000, while for the Low Rate Platinum card, it’s $6,000. The maximum credit limit can go up to $30,000.

• Interest-Free Period: Make the most of the up to 45 days interest-free period by paying your balance in full each month.

• Fee Rebates: Remember that to qualify for the international transaction fee rebate, you need to meet specific monthly requirements.

How to Apply for the ING One Low Rate Credit Card Through the App

1 – Access the ING Mobile App: Open the ING mobile app on your smartphone and log in with your credentials.

2 – Navigate to the Credit Cards Section: Once logged in, go to the section for credit cards within the app.

3 – Select the ING One Low Rate Credit Card: Browse through the available credit cards and select the ING One Low Rate Credit Card.

4 – Start Your Application: Tap on “Apply Now” to begin the application process.

5 – Complete the Application: Enter all the required personal and financial details, and upload any necessary documents directly through the app.

6 – Submit Your Application: After reviewing your information, submit your application for processing.

7 – Await Approval: ING will assess your application, and if approved, your ING One Low Rate Credit Card will be mailed to you within 5 to 10 business days

Customer Support for the ING One Low Rate Credit Card

ING offers a range of customer support options to help you manage your ING One Low Rate Credit Card. Whether you have questions about your account, need help with a payment, or want to increase your credit limit, ING’s customer service team is available to assist you.

• Phone Support: You can reach ING’s customer service team at 133 464 for any questions or issues related to your card. They’re available Monday to Friday, 8:00 AM to 8:00 PM (AEST).
• Mobile App: Use the ING mobile app to manage your card on the go, make payments, and access customer support directly from your smartphone.
• Online Banking: Log in to your ING online account to manage your card, check your balance, and send secure messages to the support team.
• Email Support: For non-urgent inquiries, you can send an email: to livingsuper @ onesuper.com.au. This is a great option for general questions or if you need a written response.