ING Credit Cards

Compare and apply for credit card offers from ING, the world’s leading savings bank and wholly owned by ING Group.

ING Australia is a wholly owned subsidiary of ING Group, a Dutch multinational banking and financial services corporation.

Direct bank

The Australian operation began in 1999 and is a ‘direct bank’(i.e. it has no branches, and provides its services via the internet, telephone banking, a mobile app, ATMS and mail). It now has over 1.5 million customers and has financed more than 475,000 home loans.

You need an ING bank account to operate your credit card

ING offers transaction and savings accounts, home loans, superannuation accounts and insurance, as well as credit cards. Although there’s no need to transfer all your banking from your current bank, if you want an ING credit card you’ll need to open an Orange Everyday transaction account. The reason for this is that you can only make card repayments from an eligible ING bank account, and payments must be made via Autopay.

Benefits of combining ING bank account and credit card

There are other benefits to having an ING bank account/credit card combination. You can earn higher interest on your ING bank account balance, use any ATM worldwide, of any brand, free of charge, and say goodbye to credit card foreign transaction fees when you deposit at least $1,000 (e.g. your wages) into your Orange Everyday account each month and make at least five purchase transactions using your credit card. Overseas ATM fees are refunded within five days.

Repay large purchases at lower interest rates using instalment plans

ING credit cards have an instalment plan program to help you pay for large purchases, such as a new TV or overseas holiday. You will need to commit to fixed monthly repayments (e.g. paying for a $5,000 purchase in 10 monthly repayments of $500) in order to qualify for a lower interest rate on the major purchase balance.

You can have up to 10 instalment plans for purchases of $250 and above, with terms of between three months and seven years.

ING’s credit card range

ING’s credit card and range are deliberately simple and limited: a low rate card with no annual fee, and a platinum card with complimentary overseas travel insurance and ongoing cashback rewards rather than rewards points.

Check out the ING credit cards below to find one that could suit you.

balance transfer
purchase rate
annual fee
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ING Direct Orange One Credit Card
No annual fee.
Low 11.99% p.a. variable purchase rate and cash advance rate.
Comes with Apple Pay.
More info
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11.99% p.a.
ongoing
$0
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ING Direct Orange One Platinum Credit Card
Earn 1% cashback on your eligible spend, up to $30 a month. (Conditions Apply)
Minimum credit limit of $6,000.
Receive complimentary international travel insurance.
More info
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16.99% p.a.
ongoing
$149
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Q&A's about ING Credit Cards from customers

Q: Who are ING?

ING Australia is a wholly owned subsidiary of ING Group, a Dutch multinational banking and financial services corporation.

Q: ING is a ‘direct bank’. What does that mean?

ING has no physical bank branches in Australia. Instead, all bank accounts and credit cards are operated via online banking, a mobile app, ATMS, telephone banking and ordinary mail.

Q: Where can I find an ING bank branch?

ING Australia does not have any bank branches. All its accounts, including credit cards, are managed via online banking or a mobile app, or telephone banking, or mail.

There is, however, an ING Lounge at 60 Margaret Street in Sydney, where you can use ATMs, open accounts and complete ID checks, collect and deposit cheques and meet banking specialists.

Q: Why do I need an ING Orange Everyday bank account before I can have an ING credit card?

Because you can only make card repayments from an eligible ING bank account, using Autopay.

ING have indicated that they may relax this requirement at some stage in the future.

Q: What are the benefits of combining an ING Orange Everyday Bank Account with an ING credit card?

If you deposit at least $1,000 per month (your wages, for example) into your Orange Everyday account, plus make at least five purchase transactions using your credit card, you’ll receive the following benefits:

  • Free access to all ATMS, of any bank or brand, worldwide – no charge in Australia, overseas ATM fees refunded within five days
  • No foreign transaction fees (usually 2.5%)
  • A higher interest rate on your bank account balance
Q: What types of credit card does ING offer?

ING currently have a relatively small offering comprised of a card with a low interest rate and no annual fee, and a platinum card with complimentary overseas travel insurance and ongoing cashback rewards.

Q: Can I transfer a balance to an ING credit card?

No. ING credit cards do not currently have this option.

Q: How does the cashback system work on the ING Direct Orange One Platinum Credit Card?

You can earn a 1% cashback on purchases, up to a maximum of $30 per month (i.e. a 1% cashback on the first $3,000 of purchases in any month). Additional cardholder purchases also earn cashback, within the single $30 limit. Cash and cash equivalent transactions (e.g. cash advances, foreign currency purchases, interest charges, card fees, mobile phone top-ups and gambling transactions) do not earn cashback.

Q: What are the eligibility requirements for an ING credit card?

You’ll need to be an Australian citizen or resident aged over 18 years. You’ll need proof of income (such as payslips) and details of your living expenses and any other credit card or loan balances. There are also minimum income requirements, which you can check by clicking each card’s ‘Eligibility’ tab under ‘More info’.

Q: Can I use Apple Pay with an ING credit card?

Yes. And ING say that Google Pay will also be available in the near future.

Q: What is the monthly minimum repayment percentage?

ING has an unusually high monthly minimum repayment percentage. Most Australian credit cards require a minimum repayment of 2% or 2.5% of the closing balance, but ING require the greater of $100 or 5% of the closing balance. Here are some examples of ING minimum repayments:

  • Closing balance $50 – minimum repayment $50
  • Closing balance $190 – minimum repayment $100
  • Closing balance $1900 – minimum repayment $100
  • Closing balance $2500 – minimum repayment $125
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