Here’s the catch: most people don’t lose money because they chose a bad card.
They lose money because they chose the wrong type of card for their situation.
Now we show you how — with this card, the goal isn’t “magic savings”.
How to apply for the ING Orange One Low Rate
Apply online
Here’s the simplest way to apply for the ING Orange One Low Rate.
1) Go to ING and start the form
Open ING’s website (or the ING app), find Orange One Low Rate, then tap Apply.
2) Keep these 5 things ready
- ID (the one you’ll use to verify yourself)
- Address (your current Aussie residential address)
- Job details (who you work for + your role)
- Income (rough yearly amount before tax)
- Debts/credit (other cards, loans, and their limits)
3) Fill it in honestly (this helps approval)
Use real numbers and real details. Don’t guess or “round” too much — ING uses this to assess your application.
4) Submit
Once you hit submit, ING will review it. Sometimes it’s quick. Sometimes they’ll ask for extra info — that’s normal.
5) Watch for a message from ING
If ING needs documents (like payslips or statements), send what they ask for so it keeps moving.
| Benefit (ING Orange One Low Rate) | What it means for you |
|---|---|
| $0 international transaction fee | You won’t be charged ING’s fee on overseas/foreign-currency purchases |
| $0 ING fee on international ATM withdrawals | ING doesn’t charge its own fee for overseas ATM withdrawals (the ATM operator may still charge) |
| Up to 45 interest-free days | You can get up to 45 days interest-free on purchases (when you meet the interest-free conditions) |
| Annual fee: $48 | A low fixed yearly cost (it’s not a no-annual-fee card) |
| No over-limit fee | ING doesn’t charge an “over limit” fee |
| Free replacement / emergency replacement card | Replacement and emergency replacement cards are listed as free |
| Complimentary international travel insurance (Platinum) | If you’re eligible for the Platinum version (credit limit $6,000+), it includes complimentary international travel insurance |
Check if you’re eligible to apply
Apply onlineBefore you start the application, do a quick eligibility check. It’s the simplest way to avoid getting halfway through a form and realising the card isn’t available for your situation.
1) Age + ID
ING says you must be 18 or older and able to provide valid ID. They list examples like an Australian driver’s licence, passport, or Medicare.
2) Minimum income
You’ll need to earn $36,000 or more per year (before tax). This is a stated requirement for eligibility, so if your income is below that, it’s best not to apply yet.
3) Residency + Australian address
ING’s criteria also includes being an Australian citizen, New Zealand citizen, or an Australian permanent resident. You also need to have and maintain an Australian residential address. In plain terms: you need to be living in Australia with a residential address they can keep on file.
4) Credit history (the part people forget)
ING states you need a good credit rating and to meet their credit lending guidelines. That means they’ll assess your application based on your overall financial position (things like existing debts, repayment history, and how much credit you already have). Even if you meet the basic requirements above, approval isn’t automatic.
5) You’ll need an Orange Everyday account
To hold the Orange One Low Rate, ING says you must have an active Orange Everyday account. If you don’t have one, they also say you can request to open it during the credit card application. So you don’t have to stop and open the bank account first — it can be bundled into the same process.
6) Important note: self-employed
ING clearly notes that the Orange One Low Rate is currently not available to self-employed applicants. If you’re a sole trader, contractor, or run your own business, this is the key line to read before you invest time applying.
After you submit: assessment + delivery
Once you’ve hit submit, your job is mostly done — and ING’s job begins. From this point on, the process is basically: assessment → (maybe) extra info → decision → card sent → card arrives.
1) ING reviews your application (credit assessment)
ING will assess your application against their eligibility and credit assessment criteria. That’s where they look at the details you’ve provided and run their checks to decide whether they can approve you (and what credit limit they can offer). Approval isn’t automatic, even if you tick the basic eligibility boxes.
2) They may ask for more info (this is normal)
Sometimes an application goes straight through. Other times, ING may ask you to provide extra information so they can process it properly. ING says they may need information such as proof of identification, income and expenses, and they give examples of supporting documents like PAYG payslips, proof of super income, bank statements, and tax returns.
If they do request documents, the fastest way to keep things moving is to send exactly what they ask for (not a random stack of files). Think of it like this: the quicker they can confirm what they need, the quicker they can make a decision.
3) You’ll get an approval update
ING states they’ll let you know when your application has been approved. If they need more information during the process, they also say they’ll tell you “along the way”.
4) Delivery time (after approval)
Once you’re approved, ING says you’ll receive your physical card within 5–7 business days after approval. So the delivery clock starts after the approval message — not from the moment you submit the form.
5) What to do while you wait
While you’re waiting for the card to land, keep an eye on any updates from ING in case they request extra info. And if your goal is “escape the fees and stop interest from piling up”, use this waiting window to get clear on your plan: will you pay in full each month, or are you trying to reduce the cost of carrying a balance? That one decision determines whether this card helps you in practice, not just on paper.