ING credit cards

Compare the features, interest rates, and fees of ING’s credit cards to make an informed decision about your next card.

By   |   Verified by David Boyd   |   Updated 20 Dec 2023

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Comparing ING credit cards

ING Orange One Low Rate Credit Card

Balance transfer


Purchase rate

11.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing


  • No annual fee and a low 11.99% p.a. variable on purchases.
  • Add an additional cardholder at $10 p.a.
  • No ING international transaction fees if you deposit at least $1,000 a month into your ING accounts (excluding Living Super and Orange One) and make 5+ card purchases that are settled (not pending).


  • No annual fee.
  • Competitively low interest rate of 11.99% p.a. on purchases and cash advances.
  • Variable 9.99% p.a. on instalments.
  • No international transaction fee.


  • Additional cardholder comes at a cost.
  • Minimum credit limit of $6,000.
ING Orange One Rewards Platinum Credit Card

Balance transfer


Purchase rate

16.99% p.a. ongoing

Annual fee

$149.00 p.a. ongoing


  • Get up to $30 cashback on your spend each month (up to $360 each year).
  • 16.99% p.a. variable on purchases.
  • Lock in low interest rates with instalments.
  • Comes with complimentary travel insurance. Terms, conditions, limits and exclusions apply.


  • Get up to $30 cashback per month, up to $360 each year.
  • Relatively low interest rate of 16.99% p.a. on cash advances and purchases.
  • An instalment plan that helps lock up lower interest rate (9.99% p.a.).


  • Interest-free 45 days is lower than most cards offering up to 55 days.
  • You need an Orange Everyday account or open one to get this credit card.
  • A lot of requirements to become eligible for ATM fee rebates and foreign transaction fee waivers.

More about ING credit cards

Find out about who ING credit cards are designed for and their benefits.

  • FAQs

What types of credit card does ING offer?

ING currently have a relatively small offering comprised of a card with a low interest rate and no annual fee, and a platinum card with complimentary overseas travel insurance and ongoing cashback rewards.

Why do I need an ING Orange Everyday bank account before I can have an ING credit card?

Because you can only make card repayments from an eligible ING bank account, using Autopay.

ING have indicated that they may relax this requirement at some stage in the future.

What are the benefits of combining an ING Orange Everyday Bank Account with an ING credit card?

If you deposit at least $1,000 per month (your wages, for example) into your Orange Everyday account, plus make at least five purchase transactions using your credit card, you’ll receive the following benefits:

  • Free access to all ATMS, of any bank or brand, worldwide – no charge in Australia, overseas ATM fees refunded within five days
  • No foreign transaction fees (usually 2.5%)
  • A higher interest rate on your bank account balance

What are the eligibility requirements for an ING credit card?

You’ll need to be an Australian citizen or resident aged over 18 years. You’ll need proof of income (such as payslips) and details of your living expenses and any other credit card or loan balances. There are also minimum income requirements.

Can I use Apple Pay and Google Pay with an ING credit card?

Yes. Both types of mobile payments — Apple Pay and Google Pay — are available for ING credit cards.

What is the monthly minimum repayment percentage?

ING has an unusually high monthly minimum repayment percentage. Most Australian credit cards require a minimum repayment of 2% or 2.5% of the closing balance, but ING require the greater of $100 or 5% of the closing balance. Here are some examples of ING minimum repayments:

  • Closing balance $50 – minimum repayment $50
  • Closing balance $190 – minimum repayment $100
  • Closing balance $1900 – minimum repayment $100
  • Closing balance $2500 – minimum repayment $125