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ING One Low Rate Credit Card
ING One Low Rate Credit Card
CREDIT CARD
Visa

ING One Low Rate Credit Card

4.25 of 5
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💵
Annual fee
Free
💰
Minimum Income
$ 36.000,00
💳
Number of Installments
Up to 0x
🎖
Score Level
· Medium
HOW TO APPLY

In a world where managing finances can be overwhelming, having a credit card that offers simplicity and value can make all the difference. The ING Orange One Low Rate Credit Card is designed to do just that, combining affordability with practical features.

Why the ING Orange One Low Rate Credit Card Could Be Your Smartest Financial Move

When it comes to value, the ING Orange One Low Rate Credit Card is hard to beat. One of its most attractive features is the low variable interest rate of 11.99% p.a. on purchases. This is particularly beneficial for those who might carry a balance from month to month, as it helps to keep interest payments manageable.

Additionally, the card offers up to 45 days of interest-free purchases, giving you a bit of breathing room if you need extra time to pay off your balance.

For those who enjoy shopping online or travelling overseas, the absence of ING international transaction fees is another major perk, provided you meet the eligibility requirements. This feature alone can save you a significant amount of money if you frequently make purchases in foreign currencies.

Not to be overlooked, the no annual fee makes this card an even more attractive option for budget-conscious users. With these benefits, the ING Orange One Low Rate Credit Card positions itself as a smart choice for anyone looking to simplify their finances without sacrificing value.

Behind the Card: The Trusted Institution of ING

ING, originally founded in the Netherlands, has a rich history that spans over 175 years. Known for its commitment to innovation and customer-centric banking, ING has grown into one of the most respected financial institutions globally.

What’s interesting about ING is its pioneering spirit in digital banking, long before it became the norm, ING was already setting the pace with its online banking services, making it one of the first banks to fully embrace the digital age.

In Australia, ING has established itself as a leader in online banking, consistently receiving high ratings for customer satisfaction. This commitment to providing seamless and accessible financial services is reflected in the design of the ING Orange One Low Rate Credit Card, a product that embodies the bank’s ethos of simplicity and value.

Who Should Consider the ING Orange One Low Rate Credit Card?

The ING Orange One Low Rate Credit Card is ideal for individuals who prioritise low-cost, straightforward financial solutions. If you’re someone who prefers to avoid the complexities of rewards programs and simply wants a card that offers low fees and interest rates, this could be the perfect fit for you.

This card is also a great option for frequent travellers or online shoppers who want to avoid international transaction fees. By meeting the monthly requirements, you can shop overseas or in foreign currencies without worrying about extra charges, making your spending more efficient and cost-effective.

Moreover, if you’re just getting started with credit or looking to consolidate existing debt, the low interest rate and absence of an annual fee make this card a practical choice for managing your finances without unnecessary expenses.

Ready to Take the Next Step?

Interested in seeing how the ING Orange One Low Rate Credit Card can fit into your financial strategy? Click the button below to learn more about the card and find out how you can apply easily and conveniently online.

Fees

PURCHASE INTEREST RATE

11.99% p.a.

OTHER FEES

- Cash Advance Rate: 11.99% p.a.
- Cash Advance Fee: The greater of $3 or 3% of the cash advance amount.
- Foreign Transaction Fee: 3% of the transaction amount (waived for eligible customers).
- Interest-Free Period: Up to 45 days.

SOURCE

ING Official Website

Expert Analysis

The ING Orange One Low Rate Credit Card is a no-fuss, low-fee option with competitive interest rates, perfect for everyday use and international purchases.

HOW TO APPLY

+ Positive Points

- 11.99% p.a. on purchases, which is below average.
- No Annual Fee in the first year.
- Ideal for travellers and online shoppers.
- Up to 45 days interest-free on purchases.

- Negative Points

- No Rewards Program
- Cash Advance Fees.
- High Foreign ATM Withdrawal Fees.
- Not available to self-employed applicants.

Expert Evaluation

Fees
4,50
Benefits
4,00
Final Score
4,25

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Annual fee
Annual fee
Free
Annual fee
Free
Annual fee
$ 30,00
Minimum Income
Minimum Income
$ 36.000,00
Minimum Income
No Minimum Income
Minimum Income
No Minimum Income
Number of Installments
Number of Installments
Up to 0x
Number of Installments
Up to 12x
Number of Installments
Up to 12x
Card Brand Visa Visa Visa
Coverage International International International
Rating Level
Rating Level
Medium
Rating Level
Medium
Rating Level
Medium
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