ING credit cards

Compare and apply for credit card offers from ING, the world’s leading savings bank and wholly owned by ING Group.

By   |   Verified by David Boyd   |   Updated 26th February 2021

Comparing ING credit cards

ING Orange One Low Rate Credit Card

ING Orange One Low Rate Credit Card

Balance transfer

N/A

Purchase rate

11.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • No annual fee
  • A low 11.99% p.a. variable on purchases
  • No ING international transaction fees if you deposit at least $1,000 a month into your Orange Everyday and make 5+ card purchases that are settled (not pending) each month
ING Orange One Rewards Platinum Credit Card

ING Orange One Rewards Platinum Credit Card

Balance transfer

N/A

Purchase rate

16.99% p.a. ongoing

Annual fee

$149.00 p.a. ongoing

Highlights

  • Get up to $30 cashback on your spend each month.
  • 16.99% p.a. variable on purchases.
  • Comes with complimentary travel insurance - Terms, conditions, limits and exclusions apply.

More about ING credit cards

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

  • FAQs

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 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.

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

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.