ING Credit Cards

Compare ING credit cards by features, interest rates, and fees to guide your informed choice for your next credit card.

By   |   Updated 5 Mar 2024

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Comparing ING credit cards

ING Orange One Low Rate Credit Card

On website

Highlights

  • No annual fee and a low 11.99% p.a. variable rate on purchases.
  • Add cardholder for $10 p.a.
  • Avoid ING international transaction fees by depositing at least $1,000 a month into your ING accounts (excluding Living Super and Orange One) and making 5+ settled card purchases.

Pros

  • No annual fee.
  • Competitively low interest rate of 11.99% p.a. on purchases and cash advances.
  • Variable 9.99% p.a. on instalments.
  • No international transaction fee.

Cons

  • Additional cardholder comes at a cost.
  • Minimum credit limit of $6,000.
ING Orange One Rewards Platinum Credit Card

On website

Highlights

  • Receive up to $30 cashback on your monthly spend (up to $360 annually).
  • Enjoy a 16.99% p.a. variable rate on purchases.
  • Secure low interest rates with instalments.
  • Includes complimentary travel insurance. Terms, conditions, limits, and exclusions apply.

Pros

  • Get up to $30 cashback per month, up to $360 each year.
  • Relatively low interest rate of 16.99% p.a. on cash advances and purchases.
  • An instalment plan that helps lock up lower interest rate (9.99% p.a.).

Cons

  • Interest-free 45 days is lower than most cards offering up to 55 days.
  • You need an Orange Everyday account or open one to get this credit card.
  • A lot of requirements to become eligible for ATM fee rebates and foreign transaction fee waivers.

In this article, we will delve into the world of ING credit cards. Whether you are looking for a card with low fees, great rewards, or convenient features like Apple Pay, ING has a range of credit card options to suit different needs and preferences. Let's explore the benefits, features, and eligibility criteria associated with ING credit cards.

Why Choose ING Credit Cards?

When it comes to credit cards, ING offers a variety of options that cater to different financial needs. Here are some reasons why you might consider choosing an ING credit card:

  • Low Fees: ING credit cards are known for their competitive fee structures, including low annual fees and international transaction fees.
  • Rewards Programs: ING offers rewards programs that allow you to earn points on your everyday purchases, which can be redeemed for a variety of rewards, such as travel vouchers, cashback, or merchandise.
  • Convenient Features: ING credit cards come equipped with modern features like Apple Pay and Google Pay, making transactions more convenient and secure.
  • Flexible Payment Options: With ING credit cards, you have the flexibility to choose how you pay your bills, whether it's through the ING app, online banking, or direct debit.

ING Credit Card Options

ING Orange One Credit Card

  • The ING Orange One credit card offers a straightforward and cost-effective option for those looking for a no-fuss credit card.
  • Features of the ING Orange One credit card may include low annual fees, competitive interest rates, and the ability to earn rewards on purchases.

ING Rewards Platinum Credit Card

  • The ING Rewards Platinum credit card caters to individuals who want to earn rewards on their spending while enjoying premium benefits.
  • This card may come with higher annual fees but offers enhanced rewards, complimentary insurance coverage, and other exclusive perks.

ING Credit Card for Students

  • ING also provides credit card options specifically designed for students, featuring tailored benefits, lower credit limits, and educational tools to promote responsible spending habits.

Eligibility and Application Process

To apply for an ING credit card, you typically need to meet certain eligibility criteria, such as being over 18 years of age, having a good credit history, and meeting minimum income requirements. The application process generally involves:

  1. Online Application: You can apply for an ING credit card online through the official website or by visiting a local branch.
  2. Verification: ING may require verification of your identity and financial information to assess your creditworthiness.
  3. Approval: Once your application is processed and approved, you will receive your new credit card in the mail.

Managing Your ING Credit Card

Once you have your ING credit card, it's essential to manage it responsibly to make the most of its benefits. Here are some tips for managing your ING credit card effectively:

  • Monitor Your Spending: Keep track of your purchases and payments to stay within your credit limit and avoid unnecessary fees.
  • Pay on Time: Make timely payments to avoid interest charges and maintain a good credit score.
  • Utilize Rewards: Take advantage of rewards programs to maximize the benefits of your ING credit card.
  • Review Statements: Regularly review your credit card statements to identify any errors or unauthorized transactions.

Help choosing an ING credit card

Receive personalized guidance to choose the optimal ING credit card, tailored to your unique financial goals and lifestyle preferences.

  • FAQs

What are the fees associated with ING credit cards?

ING credit cards typically have low annual fees, no international transaction fees, and competitive interest rates. It's essential to review the specific fees associated with the card you are considering.

Do ING credit cards offer rewards programs?

Yes, ING credit cards come with rewards programs that allow cardholders to earn points on their purchases, which can be redeemed for various rewards such as travel vouchers, cashback, or merchandise.

Can I use Apple Pay with my ING credit card?

Yes, ING credit cards are compatible with Apple Pay, providing a convenient and secure way to make payments using your iPhone, Apple Watch, iPad, or Mac.

What is the eligibility criteria for applying for an ING credit card?

To apply for an ING credit card, you typically need to be over 18 years old, have a good credit history, and meet minimum income requirements specified by ING.

How can I apply for an ING credit card?

You can apply for an ING credit card online through the official website or by visiting a local branch. The application process involves submitting your details, verifying your identity, and waiting for approval.

What should I do if my ING credit card is lost or stolen?

If your ING credit card is lost or stolen, it's crucial to report it immediately by contacting ING's customer service or through the ING app to prevent unauthorized transactions and request a replacement card.