ING offers two credit card products in addition to its home loan and savings account services. The two credit cards are the ING Orange One Low Rate and the Orange One Rewards Platinum. To be eligible for these credit cards, individuals must either be existing ING customers or open an account with ING during the credit card application process.
Benefits of 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 rates, 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 have modern features like Apple Pay and Google Pay, making transactions more convenient and secure.
- Flexible payment options: With ING credit cards, you can choose how you pay your bills, whether through the ING app, online banking, or direct debit.
Types of ING credit cards
ING Orange One Low rate 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 Orange One 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.
You can compare more credit cards from other issuers.
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:
- Online application: You can apply for an ING credit card online through the official website or by visiting a local branch.
- Verification: ING will require verification of your identity and financial information to assess your creditworthiness.
- 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.
- Build rewards (if available): Take advantage of rewards programs to earn rewards and offset the cost of the card's annual fee.
- Review statements: Regularly review your credit card statements to identify any errors or unauthorised transactions.
