ING Credit Cards

ING logo

ING is a provider of credit cards as well as other financial products such as personal banking and savings accounts, personal and home loans, insurance and superannuation.

What credit cards does ING offer?

At the time of writing, ING offers the following credit cards:

  • Orange One 
  • Orange One Platinum

We have summarised below some of the key features of these credit cards, according to the information available on ING’s website at the time of writing.

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Orange One

Some key features of the ING Orange credit card are: 

  • Card type: Visa
  • Minimum credit limit: $1,000
  • Maximum Credit limit: $30,000
  • Annual fee: $0
  • Interest free period: Up to 45 days interest free
  • Additional cardholders: Additional cardholders can be added for $10 per additional card each year
  • Contactless payments: Contactless payments are available for purchases up to $100 via Visa payWave 
  • Digital wallet: This card can be used on compatible smartphones and wearable devices with Apple Pay and Google Pay
  • Online banking: Online banking is available through the ING website or the ING Australia Banking mobile app which is available for iOS and Android.
  • International transactions: Are fee-free if you meet certain conditions.
  • Instalment plans: This card allows you to set up a payment plan so that you can pay off purchases in installments over set terms of your choice.

Orange One Platinum

Some key features of the ING Orange Platinum credit card are:

  • Card type: Visa
  • Minimum credit limit: $6,000
  • Maximum credit limit: $30,000
  • Annual fee: $149
  • Interest free period: Up to 45 days interest free
  • Additional cardholders: Additional cardholders can be added for $10 per additional card each year
  • Contactless payments: Contactless payments are available for purchases up to $100 via Visa payWave 
  • Digital wallet: This card can be used on compatible smartphones and wearable devices via Apple Pay and Google Pay
  • Online banking: Online banking is available through the ING website or the ING Australia Banking mobile app for iOS and Android.
  • Instalment plans: This card allows you to set up a payment plan for the repayment of large purchases.
  • Rewards program: This card offers money back on eligible purchases. At the time of writing, every dollar spent on an eligible purchase using an Orange One Platinum credit card earns a 1% cashback, up to $30 per month.
  • International transactions: Are-free if you meet certain conditions.
  • Travel insurance: This card offers complimentary international travel insurance. Terms and conditions apply.

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ING Credit Cards FAQs

To be eligible for an ING credit card, you must be able to satisfy the following:

  • Be over 18 years old
  • Earn more than $36,000 a year (Orange One credit card) or $55,000 a year (Orange One Platinum credit card)
  • Be an Australian citizen or an Australian or New Zealand permanent resident
  • Have and maintain an Australian residential address
  • Have a good credit rating and meet the ING credit lending guidelines
  • Either hold an active Orange Everyday account or request to open one along with your Orange One

First, check whether you are eligible to apply for an ING credit card. See above for the eligibility requirements. 

If you meet the eligibility requirements, you can submit an ING credit card application online. ING says that you will be notified if your application has been approved and your card will arrive between five to seven business days later.

ING also says that you will need the following items to complete your application:

  • Identification, such as an Australian driver’s licence, Australian passport or Medicare card
  • Details of your income
  • Details of any liabilities such as home loans, credit cards and any other loans
  • Details of your living expenses

You may also be required to provide supporting documents such as recent payslips, bank statements and the name of your employer, among other things.

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Once you receive your ING credit card, you will need to activate it before you can make any purchases.

Your card can be activated through the ING mobile app or online banking account via the ING website. If your ING credit card is not activated within 30 of your account opening, your account may be closed.

You can manage your ING credit card through online banking using the ING website or via the ING Australia Banking mobile app. The mobile app is available for both iOS and Android. 

Online banking with ING enables you to set up an Autopay account, activate your card, set a PIN for your card and add additional cardholders, among other things.

When interest is charged:

Interest is charged when you carry a balance owing on your ING card. The interest rate charged to your account is a variable rate and may change.

When interest is not charged:

Interest is not charged on purchases during the interest-free period (currently up to 45 days) if you paid the full amount of your previous statement by the due date.

Your credit limit for an ING credit card will be determined based on the information you provide in your application or your preferred limit, keeping in mind the minimum and maximum credit limits available for each card. 

ING does not offer credit limit increases, however, your limit can be decreased at any time via internet or mobile banking. ING says that once the limit has been decreased you can not increase it again.

You can close your ING account at any time by logging into internet banking and following the prompts. If you have an Android device, you can do this via the mobile app.

ING advises that you will not be able to close your account if you:

  • Still have pending transactions (some transactions may take a few days to clear)
  • Still have an outstanding balance

Part of the global ING group, ING Australia has had an Australian banking licence since 1994 and is headquartered in Sydney. It now has over 1,000 employees and 1.5 million customers in Australia.

Written by: Eliza Parry-Okeden | Last updated: December 12, 2019