When it comes to finding a reliable and affordable credit card, there are plenty of options on the Australian market. Yet few manage to balance affordable rates, ease of use and security as well as the ING Orange One Low Rate Credit Card.
Designed for those who value simplicity and financial control, this card is a great alternative for those who want practicality in their daily lives without sacrificing savings. We’ll detail everything you need to know before applying for yours.
What are the requirements needed to apply?
Before applying for the ING Orange One Low Rate Credit Card, it is important to know whether you meet all the requirements established by the institution. They are a way of ensuring that the customer will be able to manage credit responsibly.
Among the required criteria, the following stand out:
Be 18 years or older
Be a permanent resident of Australia
Have a good credit history
Present a regular and verifiable income
Not be in a situation of insolvency or bankruptcy
Have responsible financial behavior, with a history of adequate debt repayment
Meet the minimum income requirements determined by the bank, even though these conditions may vary depending on the customer’s profile
Paying attention to these criteria is the first step to ensuring that your application has a good chance of being approved.
What documents are required?
Having the right documents in place is essential for your application to be processed quickly and efficiently. ING requires some basic documents to help confirm your identity and financial capacity.
You must present:
Photo ID, such as an Australian passport or driver’s license
Recent proof of residence, such as a utility bill (water, electricity, internet) or bank statement
Proof of income, which may include recent pay stubs, pay stubs, or tax returns
Information about your current financial commitments, such as other credit cards, mortgages or loans
Bank details, such as recent statements that demonstrate your financial transactions
If you are self-employed, additional documents such as BAS statements or Notice of Assessment issued by the ATO
Organizing and submitting all of these documents correctly avoids delays and increases your chances of approval.
What are the biggest uses of this card?
The ING Orange One Low Rate Credit Card is versatile and can be used in a variety of everyday situations, providing savings and convenience. We will detail its main uses below.
Use in everyday shopping
Ideal for those looking for convenience, the card can be used in supermarkets, pharmacies, clothing stores, restaurants, gas stations and other establishments. As it is Visa-branded, it is accepted almost anywhere in Australia and also abroad.
The contactless payment system also allows you to make small purchases without having to enter your password, making your day-to-day life more agile.
Use in online shopping
The ING Orange One Low Rate Credit Card is perfect for online shoppers. Whether you’re buying products from Australian or international websites, paying for streaming services or booking flights, the card offers:
Enhanced security for online transactions
Fraud protection
Two-step authentication for suspicious purchases
These features offer added peace of mind for those who shop online regularly.
Use for organizing personal finances
Through the ING app, customers can control all their expenses in real time. The app’s features include:
View transactions updated instantly
Adjust your credit limit directly from your cell phone
Temporary blocking and unblocking of the card
Setting up alerts to monitor spending and avoid surprises
Scheduling automatic invoice payments
These tools are great allies for those looking to have greater control over their monthly budget.
Travel use
Even without premium benefits like travel insurance, the ING Orange One Low Rate Credit Card is an efficient travel companion. With worldwide acceptance and the ability to freeze the card via the app in case of an emergency, it offers:
Ease of payments in international stores
Agility for hotel reservations, car rentals and ticket purchases
Reduced risk in cases of loss or theft, thanks to remote blocking via the app
Traveling with the card is practical and safe for those who prioritize simplicity.
Our advice for anyone applying for the ING Orange One Low Rate Credit Card
Before submitting your application, it is important to consider how you intend to use the card. A few simple questions will help you in this decision-making process:
Do you plan to pay the full amount of your bill each month to avoid interest?
Are you looking for a card just for everyday purchases, with no interest in points programs or travel benefits?
Do you prefer a card with no annual fee and easy management via an app?
If the answers are yes, the ING Orange One Low Rate Credit Card fits your profile perfectly.
Additionally, it is worth:
Keep your credit history clean before applying to avoid delays in other payments
Evaluate your monthly income and expenses to make sure the new card will fit into your budget.
Use your credit limit responsibly, using the app to set alerts and spending goals
This planning makes all the difference in your experience as a cardholder.
Weighing up the pros and cons – Is it worth it?
Before making your final decision, it is essential to weigh up the advantages and disadvantages of the ING Orange One Low Rate Credit Card.
Advantages of the ING Orange One Low Rate Credit Card
Permanent exemption from annual fees
Interest rate on purchases below market average
Accepted in millions of establishments thanks to the Visa brand
Apple Pay and Google Pay compatibility for digital payments
Complete app for efficient financial management
Fraud protection and security authentication for online purchases
Possibility to adjust credit limit directly through the application
Temporary freezing of the card in case of loss or theft
Transparency in charging fees, no hidden surprises
Easy-to-access customer support via app and internet banking
Disadvantages of the ING Orange One Low Rate Credit Card
Lack of rewards, cashback or points program
No travel insurance benefits or access to airport lounges
Fees applicable to cash withdrawals (cash advances)
Possibility of charging fees on international transactions
Requirement for rigorous credit analysis, which may make approval difficult for profiles with an unstable financial history
Initial credit limit may be modest for some users
If your goal is to have a functional, affordable card that focuses on the basics, the ING Orange One Low Rate Credit Card is certainly worth it. For those looking for rewards programs or premium insurance, it may be worth evaluating other alternatives.
Apply once and for all for the ING Orange One Low Rate Credit Card on the official website
If after reading all this information you believe that the ING Orange One Low Rate Credit Card is the right card for you, the application process is quick and done entirely online.
See the step by step:
Visit the official ING Australia website
Choose the Orange One Low Rate Credit Card and click “Apply Now”
Fill out the form with your personal details, income and expense information
Prepare your documents for upload during the application
Please review all information carefully before submitting.
Wait for the credit analysis that will be carried out by ING
If approved, you will receive the card at the address provided, simply activating it through the app or online platform to start using it.
Requesting directly through the official website guarantees access to the most up-to-date conditions and allows you to follow the entire process in a safe and practical way.
