The Orange One Credit Card is straightforward—no hidden costs, just genuinely low expenses designed for those who want a simple credit card with essential features.
Aside from not charging an annual fee, which is pretty appealing, the option to extend your payment period with a lower interest rate is a big help when it comes to managing your budget.
Eligible customers can also enjoy waived fees for international transactions, whether you’re shopping online or making purchases in person outside of Australia.
Get to know the terms and all the great benefits this card offers.
Why it’s a solid choice:
- No annual fee, and no tricky requirements to get that waived.
- Special interest rates on instalments for purchases over $250.
- Helps you save on international trips, as long as you meet a few simple requirements to avoid foreign transaction fees: just deposit at least $1,000 a month into your Orange Everyday account and make over 5 purchases with the card each month.
- Lower rates than most other credit cards out there: 11.99% p.a. for retail purchases and 9.99% p.a. for instalments.
- Up to 45 days interest-free on purchases.
- Can be added to digital wallets.
A few things to keep in mind about Orange One Credit Card:
This card is all about keeping your finances streamlined, so it doesn’t come with extras like insurance, extra protections, or rewards like cashback.
Also, you’ll need to open an ING account to get approved—there’s no option to apply for this card without having an ING account.
And if you like sharing benefits with others, you’ll have to pay $10 a year for each additional cardholder.
What’s the Orange One card limit?
The Orange One spending limit ranges from $1,000 to $30,000. When you apply for the card, you can choose a preferred limit within that range, or the bank will assign a limit based on your financial situation.
It’s worth noting that ING currently doesn’t offer credit limit increases after the initial approval. So, it’s important to pick a limit that suits your needs from the start.
Know the fees and terms for Orange One Credit Card
- Annual fee: $0
- Late payment fee: $20
- Over-limit fee: $0
- Additional cardholder: $10/year per extra card
- Dishonour fee: $0
- Card replacement in Australia or overseas: Free
- Voucher request: $10
- International ATM withdrawal: $5.00
- Cash advance fee: $3 or 3% of the amount, whichever is greater.
Our take
If we had to sum up this card in a few words, we’d say it’s a basic but pretty unique tool.
Its waivers and discounts stand out when compared to other options out there. If you’re after a low-cost option with an efficient payment system, this could be the card for you.
Just don’t expect any extraordinary perks—the focus here is on keeping things affordable.