ING credit cards offer a practical solution for Belgium spenders who want low fees, smart rewards, and full mobile control.
With features like international Visa acceptance, up to 45 days interest-free on purchases, cashback opportunities, and complimentary travel insurance on eligible limits, these cards are designed to support everyday budgeting and international use.
This guide explains each option, breaks down the benefits, and walks you through setup so you can manage costs and maximise value no matter where you go.
Quick Snapshot
See the standout perks first to confirm these products suit global spending, travel, and daily budgeting.
- Global Visa acceptance for in-store, online, and contactless payments
- Up to 45 days interest-free on purchases
- Fee-rebate program that can wipe ATM and overseas transaction charges when simple activity rules are met
- Complimentary international travel insurance on eligible Platinum limits
- Cashback of up to A$30 per month on Orange One Rewards Platinum
Head-To-Head Comparison
Grasp the core differences quickly so you apply for the card that matches spending style and credit needs.
| Feature | Orange One Low Rate | Orange One Rewards Platinum |
| Card Type | Classic ≤ A$5,999 limit / Platinum ≥ A$6,000 limit | Platinum only |
| Annual Fee | A$0 until 20 Jul 2025, then A$48 | A$149 |
| Cashback | Not offered | Up to A$30 per month |
| Purchase Rate (var.) | Same variable rate applies | Same variable rate applies |
| Interest-Free Days | Up to 45 days | Up to 45 days |
| Travel Insurance | Available on Platinum limits ≥ A$6,000 | Included |
| Minimum Limit | A$1,000 Classic / A$6,000 Platinum | A$6,000 |
| Maximum Limit | A$30,000 | A$30,000 |
Key Benefits You Can Rely On
Knowing exactly what you gain helps you squeeze full value from either card.
Cashback That Offsets Everyday Costs
Orange One Rewards Platinum returns 1% on eligible domestic and overseas purchases until the monthly A$30 cap triggers. The credit lands directly on the next statement, trimming the balance automatically.
Built-in International Travel Cover
Hold a Platinum-level limit (Low Rate or Rewards) of A$6,000 or higher and you qualify for complimentary worldwide travel insurance.
Cover activates when you charge at least A$500 of trip costs to the card, giving automatic protection for medical emergencies, trip cancellation, and personal belongings under defined sub-limits.
Flexible Instalments for Big Purchases
Convert larger buys into fixed-term instalment plans at a separate variable instalment rate. This keeps the standard purchase rate free for ongoing spending while you pay big-ticket items down in predictable chunks.
Mobile Payments and Real-Time Controls
Add the card to Apple Pay or Google Pay, then set spend alerts and custom limits inside the ING mobile app. Instant push notifications show transaction amounts, helping you spot fraud early and stay on budget worldwide.
Rates, Fees, And Important Costs
Understanding every charge prevents surprises and helps you plan repayments strategically.
Interest Rates:
- Purchases: Variable rate identical on both cards
- Instalments: Separate variable rate, often lower than the purchase rate
- Cash Advances: Higher variable rate from the transaction date
Standard Fees:
| Fee | Low Rate | Rewards Platinum |
| Annual | A$0 until 20 Jul 2025 → A$48 | A$149 |
| Late Payment | A$30 | A$30 |
| Additional Cardholder | A$10 per year | A$10 per year |
| Cash Advance Fee | Greater of A$3 or 3 % | Greater of A$3 or 3 % |
| International Transaction | 3 % of amount | 3 % of amount |
| ATM Withdrawal (international) | A$5 | A$5 |
Interest-Free Period
Pay the full closing balance by the due date and enjoy up to 45 days interest-free on new purchases worldwide.
Fee-Rebate Offers That Cut Travel Costs
Meet simple monthly activity rules and ING refunds several common charges, making the cards friendlier for global use.
How to Qualify Each Month:
- Deposit at least A$1,000 from an external source into any personal ING account in your name (excluding Living Super and Orange One).
- Make five settled card purchases (debit or credit) excluding ATM withdrawals and cash advances.
Rebates Earned:
- 100 % of domestic ATM operator fees
- 100 % of ING international ATM withdrawal fees
- 100 % of ING foreign-currency transaction fees
Hold an ING Home Loan and the bank waives the activity rules automatically, unlocking rebates every month regardless of deposits or purchase count.
Tip: Foreign ATM owners may still charge their own usage fee. That surcharge is not rebated, so look for “fee-free” machines when travelling.
Limits, Advances, And Pin-Free Tap Rules
Knowing everyday thresholds avoids declined transactions and overspending abroad.
- Minimum Limits: A$1,000 Classic, A$6,000 Platinum
- Maximum Limits: A$30,000 across both products
- Cash Advances: Capped at 10 % of the credit limit, up to A$500 per transaction
- Contactless Ceiling: Tap under A$100 in Australia without a PIN; overseas limits vary by region
Eligibility Checklist
Confirm you clear every criterion before starting the application to prevent delays.
- At least 18 years old
- Minimum A$36,000 annual income
- Australian citizen, New Zealand citizen, or Australian permanent resident
- Current Australian residential address
- Good credit rating under ING lending guidelines
- Active Orange Everyday account (or open one alongside the credit card)
- Recent PAYG payslips to verify income
Step-By-Step Application Guide
Follow this streamlined sequence to increase approval odds and secure the right credit limit.
- Open or confirm an Orange Everyday account online if you do not hold one already.
- Gather documents: Photo ID, two recent payslips, and residential address evidence.
- Use ING’s secure portal to select either Orange One Low Rate or Orange One Rewards Platinum.
- Input personal data exactly as it appears on identification to avoid mismatches during verification.
- Choose a credit limit that aligns with income and spending plans; higher limits require stronger credit scores.
- Review the Key Facts Sheet outlining variable rates, instalment options, and upcoming annual-fee changes.
- Submit the application and authorise a credit check. ING usually responds within two business days.
- Provide extra documents promptly if the assessment team requests further proof.
- Activate the card in the ING app once it arrives, then set alerts, spend caps, and a cash-advance block if desired.
- Set up direct debit from an ING or external bank account for automatic full-balance clearance each month to keep interest at zero worldwide.
Managing Repayments And Instalments
Strategic repayment behaviour protects your credit score and trims ongoing costs.
- Automatic Full Payment: Schedule the statement balance to clear each cycle and enjoy the full interest-free period.
- Part Payments: When cash flow tightens, pay at least the minimum due to avoid late fees; then clear the remainder early to limit interest accrual.
- Instalment Conversions: Move single large transactions into instalments directly within the app, fixing the rate and term so monthly budgeting stays predictable.
- Spending Alerts: Enable real-time push notifications for every transaction; quick detection means swift dispute lodging if fraud appears.
Maximising Value in Belgium
Applying smart tactics can elevate rewards and minimise fees wherever you shop or travel.
Bundle Deposits and Purchases
Automate the A$1,000 monthly deposit on payday and route everyday groceries, fuel, and streaming payments through the card. This guarantees rebate eligibility without extra effort.
Leverage Cashback Caps
Plan recurring expenses so combined card spend reaches A$3,000 monthly; that triggers the full A$30 cashback on Orange One Rewards Platinum, translating to A$360 yearly.
Time Large Buys Around Statement Dates
Swipe high-value purchases the day after the statement generates, unlocking the maximum 45-day interest-free window before payment is due.
Avoid Cash Advances Abroad
Carry a small debit-card float or use fee-rebated ATM withdrawals; cash advances attract immediate interest and a 3 % fee that rebates never cover.
Keep Proof for Travel Insurance
Save e-tickets and accommodation receipts inside a cloud folder. Quick evidence speeds any future claim under the complimentary policy.
Frequently Asked Questions
More information below:
- Can non-residents apply if they live overseas?
No. Applicants must legally reside in Australia and hold citizenship or permanent residency. However, once approved, the card functions worldwide. - Does the upcoming A$48 fee apply to existing Low Rate cards?
Yes. From 21 July 2025 the annual fee appears on the next anniversary statement for all Orange One Low Rate accounts. - What happens if the activity criteria are missed?
Rebates will not apply during the following month. Standard ATM, foreign transaction, and international withdrawal fees will therefore post to the statement. - Is Apple Pay available outside Australia?
Yes. The digital wallet works anywhere contactless Visa is accepted, subject to local issuer and terminal compatibility.
Conclusion
Choosing the right ING credit card equips you with competitive purchase rates, generous rebates, and practical travel perks.
Follow the guidelines above and you will manage worldwide spending confidently while extracting solid value every billing cycle.
