| Credit Card | Features | Annual Fee | Interest Rate | International Transaction Fees |
|---|---|---|---|---|
| Orange One Low Rate | – No annual fee – Low % p.a. variable on purchases and cash advances – Flexible instalment plans at a lower % p.a. variable | $0 | % p.a. variable | No fees if you deposit at least $1,000/month into your Orange Everyday account and make 5+ card purchases each month |
| Orange One Rewards Platinum | – Up to $30 cashback on your spend per month – % p.a. variable on purchases and cash advances – Complimentary international travel insurance (T&Cs apply) | $149 | % p.a. variable | No fees if you deposit at least $1,000/month into your Orange Everyday account and make 5+ card purchases each month |
It is very easy to use credit cards to buy things, build points, and get benefits. Because there are so many credit cards are there, and it can be very hard to pick the right credit card for you.
I will give you more information about ING credit cards in this blog post. They are good credit card companies in Australia. I will give you ING Credit Cards reviews, the features and perks of ING’s credit cards, and also the requirements for getting one and the fees.
Types of ING Credit Cards
In Australia, ING has two main credit card: the Orange One Low Rate and the Orange One Rewards Platinum. Each credit card is made to meet the needs and wants of different people.
Orange One Low Rate Credit Card
Key Features
- No yearly Fee: This card is for people who want to save money, and there is no yearly fee.
- Low Rate of Interest: It has a competitively low rate of interest that changes over time on both sales and cash loans.
- International Transaction Fee Rebates: Customers who meet certain monthly saving and buy requirements will not have to pay any ING international transaction fees.
- Instalment Plans: Give you flexible payment plans with a lower interest rate, which makes it very easy to pay for bigger items over time.
Who Should Consider It?
People who value very low fees and interest rates over prizes and some other perks should get the Orange One Low Rate card. It is very good choice for people who want to keep an amount or buy very big things that they can pay for over time.
Orange One Rewards Platinum Credit Card
Key Features
- Annual Fee: $149 per year.
- Cashback Rewards: Once a month, you can get up to $30 cashback on orders that qualify.
- Complimentary International Travel Insurance: This gives you peace of mind while you are away.
- Low interest rates: Competitive interest rates that change over time on purchases and cash loans.
- Rewards for International Transaction Fees: Like the Low Rate card, this card gives rewards for international transaction fees to customers who are qualified.
- Plans for Payment: Like the Low Rate card, it offers various payment plans with lower interest rates.
Who Should Consider It?
People who use their credit card often will like the Orange One Points Platinum card because it comes with cashback points and trip insurance. It is especially very helpful for people who move a lot or buy a lot of things from other countries.
Benefits of ING Credit Cards
There are a many useful features and perks that come with ING credit cards. Here are some of very important parts:
- Rates That Are Competitive: Both ING’s low-rate and rewards credit cards have rates that are very competitive.
- Cashback Reward: When you use your Orange One Benefits Platinum card to buy certain things, you can get cashback
- Fees Every Year: ING’s two main credit cards do not charge fees every year.
- Rewards Programme: When you use your Orange One Rewards Platinum card, you can earn points for the things you buy every day. You can exchange these points for a range of prizes, like trips, gift cards, and goods.
- amount transfer: If you have an amount on another credit card, you can move it to an ING credit card with a low initial interest rate.
- Online Account Management: You can open an account with ING online and use the tools to see your bills, make payments, and keep track of your awards.
- Mobile App: ING also has a mobile app that lets you handle your account while you are out and about.
How to Apply for an ING Credit Card
Eligibility Criteria
If you want to apply for an ING credit card, so you must meet the following criteria:
- Age: You must be at least 18 years old.
- Income: You must make at least $36,000 a year (before taxes).
- Residency: You must be an Australian citizen, a New Zealand citizen, or an Australian permanent resident.
- Bank Account: You must have a current Orange Everyday bank account or ask to open one while you are applying.
Application Process
The steps to apply for an ING credit card are very easy, and you can do them all online. You must provide your personal information, information about your pay, and some other financial information that is needed. ING’s digital tool makes the application process very easy and quick, and customers who are qualified get approved very quickly.
Conclusion
Australians can get many of their ING credit cards because they have many features and perks. ING can be a good choice for people who want to save money and for people who want to earn rewards for their everyday spending. Their credit cards have very low interest rates, no yearly fees, and a range of rewards programmes.
But, it is very important to keep in mind that ING is not the only debt lender out there. Take some time to compare the ING credit card to credit cards from other banks and financial institutions before you ask for one. Think about things like fees, interest rates, rewards programmes, and the requirements to be eligible.
If you want this credit card, you can apply on their official website.
If you need more information on some other credit cards on the market, you can visit some more pages of this website.