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Credit Cards

Orange One

The ‘nothing like the others’ One.

For existing eligible customers only.

Orange One

To help you stay on top of your finances, we’ve made our first ever credit card clear and simple – with all the easy-to-use features you asked for, and no annual fee. You can also pay to add extra features, like cashback rewards.

Features

Why apply for Orange One?

  • No annual fee

    Keep it simple and get the features you need, with no annual fee.

  • Manage your big purchases

    Use instalments to pay off large purchases over set terms of your choice, rather than in one go.

  • Get up to $30 cashback every month

    Earn 1% cashback on your spend, up to $30 a month. You'll need to be approved for a min. $6,000 credit limit, and opt-in to pay an annual rewards fee of $199 on activation. Conditions apply.

  • Mobile payments

    Make everyday payments easier using your Orange One card and Apple Pay. (Android Pay coming soon).

  • Interest rates

    You get a variable 14.99% p.a. on purchases and cash advances, and an even lower variable 9.99% p.a. on instalments.

  • Automatic repayments

    Set the repayment amount to be debited straight from your eligible ING DIRECT account of choice using autopay. It’s that easy.

  • Notifications

    Manage your spending limits and set up regular notifications so you won’t get any nasty surprises at the end of the month.

  • Travel insurance

    Receive complimentary international travel insurance when you are approved for a credit limit of $6,000 or more. Conditions apply – refer to travel insurance terms & conditions.

You can make a travel insurance claim by calling 1800 754 190 (within Australia) or +617 3360 7701 (outside Australia, reverse charges apply) at any time.

Important information

Need help? Call us 24/7 on 133 464.

Rates, fees and limits

Rates, fees and limits

The Orange One ins and outs made plain and simple.

  • Purchases
    % p.a. variable
  • Interest free period
    Up to 45 days interest free
  • Instalments
    % p.a. variable
  • Cash advances
    % p.a. variable
  • Annual fee
    $0
  • Late payment fee
    $20
  • Over limit fee
    $0
  • Additional cardholder
    $20/year per additional card
  • Cashback rewards fee (available only on credit limits of $6,000 or more)
    $199/year (if you opt in when you activate your account)
  • Dishonours
    Free
  • Replacement card (in Australia or overseas)
    Free
  • Emergency replacement card
    Free
  • Voucher request
    $10
  • Cash advance fee
    The greater of $2 or 2% of the cash advance amount.
  • Foreign currency conversion fee (payable to us :

    for all Transactions in a foreign currency; and for all Transactions in Australian dollars or a foreign currency, where: the merchant or financial institution accepting the card is located outside of Australia; or the entity processing the Transaction is located outside of Australia).
    2.5% of transaction amount
  • International ATM withdrawal
    $2.50
  • Australian ATM fee rebate for cash advances
    100% of ATM fee
    When you deposit $1,000+ from an external bank account into a personal ING DIRECT account in your name (excluding Living Super and Orange One) by the last day of the preceding calendar month, or for any withdrawals if you have an ING DIRECT home loan.
  • Minimum credit limit
    Orange One – $1,000
    Orange One with cashback rewards – $6,000
  • Maximum credit limit
    $30,000
  • Cash advances
    10% of the credit limit, up to a $500 maximum
  • Purchases using Visa payWave without a PIN
    Under $100 in Australia (other limits may apply outside of Australia)
  • Minimum repayments

    Each month, you are required to pay, as a minimum:

    1. a)

      The greater of:

      1. i.

        10% of the total amount owing on the account (excluding the total amount owing under instalment plans and any amount by which the account is in arrears); or

      2. ii.

        $100 or, if the total amount owing on the account (excluding the amount owing under instalment plans and any amount by which the account is in arrears) is less than $100, that lesser amount;

    2. b)

      All repayments due under each instalment plan for the month, and

    3. c)

      Any amount by which the account is in arrears


Terms & conditions

All the detail to help you make an informed decision.

Fees and limits schedule

Credit card fees plus limits.

Cashback terms & conditions

Your cashback reward need-to-knows.

Travel insurance terms & conditions

What to expect and how you’re covered.

Need help? Call us 24/7 on 133 464.

FAQs

Got a question about Orange One?

Chances are you’ll find the answer in our FAQs.

Here are some of the more common questions we get asked:

How to get started

How to apply

When applying for Orange One you will need to have an active Orange Everyday account:

1. Check your eligibility

Check the criteria below to see if you’re eligible to apply.

2. Apply for Orange One

Complete and submit an application online.

3. Sit tight

Once approved, you will receive your card in 5-7 business days.

To be eligible to apply, you must:

Be an existing ING DIRECT customer (with us for 3+ months)

Have deposited $1,000+/month in the last three months into any personal ING DIRECT account in your name (excl. Living Super)

Hold an active Orange Everyday bank account

Be aged 18+

Be an Australian citizen or permanent resident with an Australian residential address

Need help? Call us 24/7 on 133 464.