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ING Orange One Low Rate Credit Card

The ING Orange One Low Rate Credit Card offers . Ongoing benefits include no annual fee, and a low ongoing interest rate.

Updated 27 November 2023

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Expert Review

As the name suggests, the ING Orange One Low Rate credit card is ING's low interest rate product. This is also the only credit card ING offers in the low interest rate category. Featuring a competitive Purchase interest rate of 11.99% p.a., which is ING's lowest, and including up to 45 interest free days, this product is great for minimising interest and managing cash-flow, if you want flexibility with your monthly repayment. Of the 200+ credit cards reviewed by Stay or Go, this card ranks among the best 10% lowest purchase rates. Further, the product has no annual fee, which is ING's lowest standard annual fee. As a result, this card is one of only a limited number that offer an ongoing $0 Annual Fee.

Considering its key features, this card is most suitable to someone who wants the peace of mind that if they do need to pay interest from time to time, the rate will be competitive.

To get this offer, there will be certain eligibility criteria that you should be aware of before you apply.

Product Details
The credit card that gives you a low interest rate, no annual fee, plus no ING international transaction fees for eligible customers when you shop overseas or online."

No rewards program

Account Fees

$0 annual account fee

Additional Cardholder Fees

$10 additional cardholder fee

Up to 3 additional cardholders

Transaction Fees

3.00% international transaction fee

Other fees may apply.


11.99% p.a. variable purchase rate

11.99% p.a. variable cash advance rate

Up to 45 interest free days on purchases

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Before applying for this product, you should read the Target Market Determination (TMD) available here on the ING website.

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