Orange One Credit Card: No Annual Fees and Low Rates

The ING Orange One is a straightforward financial tool designed for those who value simplicity and low costs over complex reward points. It remains a top contender in the Australian market for its “no-nonsense” approach, offering a $0 annual fee and unique interest-saving features. If you are looking for a reliable card that supports your budget without hidden surprises, here is everything you need to know about the application process.

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 the Orange One is a Solid Choice

Before diving into the application, it’s important to understand what makes this card unique:

• Zero Annual Fees: There are no ongoing costs just for owning the card.
• Low Interest Rates: With a purchase rate of 12.99% p.a. (variable), it sits well below the market average.
• Smart Instalment Plans: For purchases over $250, you can switch to an instalment plan with a lower rate of 9.99% p.a.
• Travel Perks: Enjoy $0 international transaction fees and ATM rebates globally when you meet simple monthly criteria (depositing $1,000+ into your Orange Everyday account and making 5+ card purchases).

Who Can Apply? (Eligibility Criteria)

To ensure your application has the best chance of success, confirm you meet the following requirements:

• Age: You must be at least 18 years old.
• Residency: You must be an Australian citizen, a New Zealand citizen, or a Permanent Resident of Australia.
• Income: You must earn a minimum of $36,000 per year (before tax).
• Employment: You must be a PAYG employee (the Orange One is currently not available to self-employed applicants).
• Banking Status: You must hold an active ING Orange Everyday bank account (or be willing to open one during the application).
• Credit History: You should have a good credit rating and a consistent residential address in Australia.

Essential Documents for Your Application

Gather these documents to complete the process in about 20 minutes:

• Identity Proof: A valid Australian Driver’s License, Passport, or Medicare card.
• Income Verification: Your two most recent PAYG payslips or your most recent Tax Return.
• Financial Details: A summary of your monthly expenses (rent/mortgage, utilities, food) and details of any existing debts or other credit cards.

The Orange One Credit Limit

The credit limit for the Orange One ranges from $1,000 to $30,000.

• Standard: Approval for limits between $1,000 and $5,999.
• Platinum: If approved for a limit of $6,000 or more, you are automatically upgraded to the Platinum version, which includes complimentary international travel insurance.
• Note: ING typically does not allow credit limit increases after the initial approval, so it is wise to request a limit that reflects your long-term needs during the application.

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.

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.