ING

ING provides two distinct credit cards tailored to different financial needs and lifestyles. Here are the key ING credit card options available:

• Low rate credit cards: The ING Orange One Low Rate credit card is a cost-effective choice, featuring low annual fees, competitive interest rates, and the potential to earn rewards on purchases.
• Rewards credit cards: The ING Orange One Rewards Platinum credit card is designed for those seeking premium benefits, offering enhanced rewards, cashback, complimentary insurance, and exclusive perks, though it may have higher annual fees.
• Everyday credit cards: Both ING cards support everyday spending with flexible payment options and low international transaction fees, catering to practical financial needs.
• Digital-first credit cards: ING cards are equipped with modern features like Apple Pay and Google Pay, ensuring secure and convenient contactless payments.

ING credit cards are designed to suit a range of financial goals and spending habits. Here are some compelling reasons to consider an ING credit card:

• Low fees: ING cards offer competitive fee structures, including low annual fees, reduced international transaction fees, and attractive interest rates, helping you save on costs.
• Rewards programs: With the ING Orange One Rewards Platinum, you can earn points on everyday purchases, redeemable for rewards like travel vouchers, cashback, or merchandise.
• Convenient features: Enjoy modern payment options such as Apple Pay and Google Pay, alongside access to the ING app for seamless transaction management.
• Flexible payment options: Manage your card effortlessly through the ING app, online banking, or direct debit, giving you control over how and when you pay.
• Trusted provider: ING is recognised for its customer-centric approach and innovative banking solutions, offering reliability and support for cardholders.

Eligibility requirements for ING credit cards vary by card type, but the following general criteria typically apply:

• Age: Applicants must be at least 18 years old to apply.
• Income: A minimum income level is required to ensure applicants can manage credit obligations.
• Residency: You must be an Australian resident or hold a valid visa to be eligible.
• Credit history: A good credit history is essential, as ING will assess your creditworthiness during the application process.
• ING account: Applicants must be existing ING customers or open an ING account as part of the application.

Check the specific eligibility criteria for your chosen card to confirm you meet all requirements before applying.

Applying for an ING credit card is a simple process that can be completed online or at an ING branch. Follow these general steps to apply:

1. Select a card: Review the ING Orange One Low Rate and Orange One Rewards Platinum cards to choose the one that best suits your financial needs.
2. Check eligibility: Ensure you meet the eligibility criteria, including age, income, residency, and ING account requirements.
3. Gather documents: Prepare necessary documentation, such as proof of identity, income verification, and financial details, to support your application.
4. Submit application: Complete the online application form on the ING website or visit a local branch, ensuring all information is accurate.
5. Wait for approval: ING will verify your identity and financial information to assess your application. If approved, your card will be mailed to you within a few business days.
6. Receive card: Once approved, you’ll receive your ING credit card, along with instructions for activation and use.

Providing accurate information during the application process is crucial to increase your chances of approval.

If you are looking to be rewarded for your everyday spend or a low rate interest credit card, here are 5 similar credit card issuers similar to ING:

• Bank of Melbourne credit cards
• NAB credit cards
• St.George credit cards
• Westpac credit cards