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ING Direct Orange One Credit Card $0 Annual Fee

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ING Direct Orange One Credit Card $0 Annual Fee
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jez22333 on 12/08/2019 - 20:06 ing.com.au (2587 clicks)
Last edited 27/01/2022 - 16:11 by 1 other user

New ING Direct credit cards. Seems like a good deal for anyone looking for a no annual fee credit card.

From website:

Orange One Helps you save on fees and interest

  • No annual fee
  • A low 11.99% p.a. variable on purchases
  • No ING international transaction fees if you deposit at least $1,000 a month into your Orange Everyday and make 5+ card purchases that are = settled (not pending) each month
  • Pay off purchases over set terms of your choice at a lower interest rate of 9.99% p.a. using instalment plans
  • Mobile payments made easy with Apple Pay
  • Make automatic repayments from your eligible ING account
  • Manage your spending limits by setting up personalised notifications
Financial Credit Card

Related Stores

ING
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Comments

  • YellowEarthAustralia on 12/08/2019 - 20:10
    +4

    seems like a good alternative to 28 degrees

    • CyberMurning on 12/08/2019 - 20:13

      really? it so, then i will just switch. already have saving max and day to day account with ing.
      less 1 login to remember.

      No ING international transaction fees if you deposit at least $1,000 a month into your Orange Everyday and make 5+ card purchases that are = settled (not pending) each month

      i have to do that anyway

      • HunterxHunter9000 on 13/08/2019 - 11:01
        +1

        Does Ing offer price protection like 28 and is it as good?

    • Choc0 on 12/08/2019 - 20:17
      -2

      Not really sure I agree - Up (debit card) provides all this without impacting your credit file or needing to meet deposit requirements/transaction requirements

      • ATangk on 12/08/2019 - 20:20
        +3

        28 degrees is a credit card, which gererally offers different things to debit cards. E.g. travel insurance amongst other things. Dont know how much ING offers in way of those things though, 28 degrees doesnt have travel insurance either..

        • Choc0 on 13/08/2019 - 12:51

          What are these other things?

          Apart from interest-free days before payment is due?

          • ATangk on 13/08/2019 - 13:36
            +1

            @Choc0: 28 degrees has shopper protection. Like 12 month price guarantee and also for loss or damage to items within the same period.

            • Riker88 on 13/08/2019 - 15:24

              @ATangk: You do pay a small fee every month for this protection however

              • ATangk on 13/08/2019 - 17:58

                @Riker88: 1% of your closing balance. 1% of $0 is $0. Unless if you don’t pay them a cent they’ll revoke it… curious now.

      • nardz on 13/08/2019 - 12:21
        +1

        you're comparing chalk and cheese. one is a credit card one is a debit card - whilst there may be a larger discussion on the perils of using credit cards, this isn't the time or place to have that discussion.

        • donotuse on 04/09/2019 - 20:33

          Credit cards are safer than debit cards. especially when travelling overseas!

    • northshore on 12/08/2019 - 20:18
      +21

      Wouldn't Bankwest Platinum Zero be better?

      • Hunter14 on 13/08/2019 - 12:00

        I currently have this card. Thinking to switch to 28 degree for the price protection. Good move?

        • PurchaseAnxiety on 13/08/2019 - 12:52

          Depends if you'd use it. I personally take the bankwest complimentary travel insurance, but it totally depends on you.

          You could of course get both and use both benefits.

          • Hunter14 on 13/08/2019 - 13:12

            @PurchaseAnxiety: I have a free CBA mastercard since I bank/mortgage with them. This gives me free travel insurance even if I don't use the card to purchase the tickets. So in my circumstance probably better to go 28 degree. Although I like collecting Qantas points so not sure the trade off for price protection is worth it.

      • nardz on 13/08/2019 - 12:22
        -2

        17.99% vs 11.99%

        • kirbycario on 13/08/2019 - 12:29
          +30

          if you're paying interest on your credit card spending you shouldn't be on ozbargain

          • Hunter14 on 13/08/2019 - 13:14
            +4

            @kirbycario: This. For me it could be 99.99% vs 11.99% and it would still be irrelevant as the first thing one should do is set up a direct debit to pay off the closing balance in full each month/55 days. And if you cannot pay it in full then you shouldn't have a credit card in the first place.

            • kirbycario on 13/08/2019 - 13:40
              +1

              @Hunter14: that being said, i would love a 99.99% interest card if it means i get +++++benefits

          • nardz on 13/08/2019 - 16:34
            -2

            @kirbycario: interesting display of naivety and arrogance.

            All I've done is pointed out that the two offers are different. if that doesn't apply to your particular circumstances you should not assume that this information won't benefit anybody else out there.

      • E5TOQUE on 13/08/2019 - 21:27

        Commbank Low Fee Gold has a few things:

        • No International Fee
        • Travel Insurance
        • Purchase Protection
        • Extended Warranty
        • Purchase Security
        • Yearly fee waived in the first year.
        • Yearly fee waived if you spend $10,000 per year.
    • barozgain on 12/08/2019 - 20:20
      +3

      does this have price guarantee for 12 months like 28 degrees?

      • G77 on 12/08/2019 - 20:22

        No it doesn't.

      • ATangk on 12/08/2019 - 20:23

        Don't believe so.

        • barozgain on 12/08/2019 - 20:23
          +3

          then why would anyone want to swap them?

          • ATangk on 12/08/2019 - 20:24
            +2

            @barozgain: Significantly lower base interest rate? 28 degrees is 21.99% and this is almost half at 11.99%. Not everyone can pay off credit cards all the time.

            • nfr on 12/08/2019 - 20:28
              +26

              @ATangk: But we are not everyone, we are OZBargainers!

              • ATangk on 12/08/2019 - 20:29
                +4

                @nfr: If anything we're more prone to missing repayments. When did banks stop accepting repayments in microSD cards and eneloops?

            • illumination on 12/08/2019 - 23:26
              +14

              @ATangk: If 11.99% interest rate is a deal, then you shouldn't have a credit card. Ozbargainers should not be paying interest on credit cards. If you can find a credit card with interest rate of say, <4%, then we'll talk haha

            • swxfty on 13/08/2019 - 07:11

              @ATangk: 28 degrees card is going to have a lower interest rate in a few months. Also a new card design (vertical cards)

              Latitude is refreshing their whole range of cards.

              • OzBrogains on 13/08/2019 - 11:07

                @swxfty: Source?

                • swxfty on 13/08/2019 - 11:24
                  +1

                  @OzBrogains: sorry only Latitude personal loans are getting a reduced interest rate.
                  The 28 degrees card is just getting a name change (Latitude 28 Degrees Global Platinum Mastercard) and being changed to a vertical card - no interest rate change.
                  source: i work for them

                  • aleayr on 14/08/2019 - 06:02

                    @swxfty: Any news on changes to the Infinity card? I've emailed Latitude a few times with product feedback. If Infinity kept its current features and added no international fee, I'd be able to dump my Coles Platinum.

                    Keen to see what changes are coming.

                    • swxfty on 14/08/2019 - 06:14

                      @aleayr: Yes there’s going to be infinity and infinity platinum. I think the international fee will still apply. They will be marketing the 28degree card as a global card and pretty sure that will be the only card with no international fees.

                      • aleayr on 14/08/2019 - 17:13
                        +1

                        @swxfty: Ah bugger. That sucks. I don't want another card. Coles is the closest to perfect currently, but no digital wallet support. I'll see what the final offer is, but likely no deal with international fees charged on purchases.

                  • IsTops on 18/08/2019 - 11:43

                    @swxfty: When is that going to take place?

                    • swxfty on 18/08/2019 - 13:59
                      +1

                      @IsTops: August 21 I believe

                      They are also announcing latitude pay. It’s Similar to Afterpay but only available if you have a latitude credit card I think.

          • krisspy on 13/08/2019 - 08:11

            @barozgain: Price protection costs 1% of your monthly closing balance. It ain't free.

            • vetopower on 13/08/2019 - 08:18
              +6

              @krisspy: Pay off your balance before your monthly statement is issued and it is free.

              • AncientWisdom on 19/08/2019 - 10:52

                @vetopower: What's the best way to pay off balance without incurring that stupid bpay fee?

    • G77 on 12/08/2019 - 20:24
      +12

      I disagree. While both cards have similar features, 28D trumps this with purchase price protection.

      • ATangk on 12/08/2019 - 20:27

        Theres a huge interest rate difference. Start missing repayments and you'll regret it.

        • demiurge on 12/08/2019 - 22:01
          +24

          This is ozbargain.com, not ozpaycreditcardinterest.com

      • txb on 12/08/2019 - 20:31

        Vs bankwest?

      • raybies on 13/08/2019 - 00:22
        +3

        I thought price protection was an add-on https://www.28degreescard.com.au/insurance/

    • E5TOQUE on 13/08/2019 - 21:28

      Seems to compete with Commbanks Low Fee Gold card which offers:

      • No International Fee
      • Travel Insurance
      • Purchase Protection
      • Extended Warranty
      • Purchase Security
      • Yearly fee waived in the first year.
      • Yearly fee waived if you spend $10,000 per year.

      https://www.commbank.com.au/credit-cards/low-fee-gold.html?e…

  • SHPION on 12/08/2019 - 20:34
    -8

    Not a deal. It's available for ages.

    BTW, Orange One Platinum is way way better option.

    • ATangk on 12/08/2019 - 20:40
      +1

      $149 annual fee, 1% cashback. Depends on usage.

      • idonotknowwhy on 13/08/2019 - 11:26

        I'm going to look into this, thanks.
        This could be what I need to complement a $0 fee amex (for the amex deals).
        $15,000 per year and the fee is paid off, plus all my transactions would be in the same app as my pay, etc.

        • ATangk on 13/08/2019 - 11:55

          Just remember to read the T&C:
          Cashback will not be payable for any:
          (a) Cash transactions (including balance transfers, cash withdrawals from a ATM or over the counter at a bank or cash provider, pseudo cash transactions e.g. gambling, mobile phone top ups and foreign currency and travellers cheques), interest, default charges, insurance premiums and other fees and charges debited to your Account.
          (b) Amounts that are subsequently re-credited to your Account by way of refunds. Any purchases refunded to your Account will be removed from the total of your eligible cashback balance; or
          (c) Spending which, in any one month, exceeds your Credit Limit; or
          (d) BPAY transactions

  • Make it so on 12/08/2019 - 20:36
    +18

    Bankwest Platinum is always free. Comes with travel insurance and never charges international transaction fees. Better deal IMO.

    • baz3189 on 12/08/2019 - 21:01

      I'm heading to America later this year for a couple of weeks and have been looking at getting a card for travels. Kind of a credit card noob, have read the wiki here but would like personal opinions to make it easier for me to understand the pros and cons.

      • [Deactivated] on 12/08/2019 - 21:14
        +3

        yeah I don't understand how these cards are a deal. I opened a Citibank everyday account and didnt get transaction fees when I was overseas

        • PurchaseAnxiety on 13/08/2019 - 13:03
          +1

          Credit cards can have a few benefits, especially when traveling. They're great for putting rental car and hotel bonds on (doesn't withhold large sums from your savings), can come with perks, allows you to leave money in savings for longer (instead of a transaction account), convenient for emergencies, and more secure (if your card is compromised, then their stealing your financers money, not yours, so it's often easier to get fraudulent transactions reversed). As long you pay your bill in full and on time and have a no annual fee card, then all this is at no extra cost compared to using a debit card.

      • paaj on 12/08/2019 - 21:53
        +12

        On our recent US trip, we used the bankwest platinum card for credit transactions and citibank debit for cash withdrawals. Worked a charm and no fees either way!

        • Make it so on 13/08/2019 - 10:46
          +3

          Yep, that's how we travel. Been doing that for many years; load up the Citibank Debit card (double-check which ATM's are okay to use, as Japan had limitations), and use the Bankwest Platinum for overseas transactions (make sure they charge in local currency, as businesses in China tend to automatically concert to AUD with a crap rate unless you ask to charge in RMB).

          One other useful thing to note is that the Bankwest Platinum card works with Google Pay. This is particularly handy overseas, because when paying with Google Pay it does not require a signature (whereas with an overseas credit card by itself you normally have to sign).

          • greater mimic on 13/08/2019 - 12:43
            +2

            @Make it so: even better use the ING debit card, you can use any ATM worldwide without paying any fees, including local ATM operator fees. just have to fulfill the pesky requirements

            • paaj on 15/08/2019 - 08:12

              @greater mimic: Yeah we don't travel much these days so for me the ING card is not worth the effort!

      • ATangk on 12/08/2019 - 21:55
        +5

        One thing to consider these everyday credit cards are easier to apply for (min credit limit $1000) cash platinums (min $6000 for bankwest)

      • Lukian on 13/08/2019 - 01:00
        +7

        Primary cards:
        ING debit
        Citibank debit

        Credit cards:
        Bankwest zero platinum
        28degrees

        There's a wiki on ozbargain with more info.

        No harm in multiple cards, good redundancy if lost/stolen/blocked.

        • thierryhenry on 13/08/2019 - 09:39

          Completely agree on the multiple cards as a redundancy point. My main card just got hacked and had to be blocked, and it's always good to have a backup especially if you're overseas.

          • Make it so on 13/08/2019 - 11:01
            +2

            @thierryhenry: Your hacked card wasn't a Citibank one per chance?
            My Citibank creditcard got hacked, used in overseas transactions, despite the fact that I never use this card overseas or online with overseas merchants (fees are too steep). I suspected it to be an insider job.

            For the record, Citibank is terrible dealing with compromised cards. They did detect it quickly and SMS'ed me about a suspicious transaction, but they did not stop subsequent transactions, and I had to make many phone calls to properly block the card and claim back obviously fraudulent transactions that happened days after I already declared the card compromised.

            • thierryhenry on 14/08/2019 - 17:50

              @Make it so: no, mine was with CBA. They were amazing in blocking it and reimbursing me for the fraudulent transaction, but it did take a while for them to send me a new one..

        • TwentyTwoCarats on 13/08/2019 - 11:03

          Savings acc?

      • idonotknowwhy on 13/08/2019 - 11:28

        You can just use the orange everyday account. No international fees, no atm fees overseas, no credit card required.

      • imolared on 13/08/2019 - 12:01
        +1

        I'm here in California right now, using my Bankwest Platinum for purchases and ING Debit card for cash withdrawals. I just took $1,000 USD from Wells Fargo ATM machine earlier, the the ING app showed AUD $1475.65 including the US $5 atm fee.

        • mangamuncher on 13/08/2019 - 18:40
          +3

          Check in a few days. ING will refund :)

  • oshe on 12/08/2019 - 20:49
    +3

    FROM ING WEBSITE FAQ:
    Can I organise a balance transfer?
    Sorry, Orange One doesn't currently offer a balance transfer option.

  • evanjd on 12/08/2019 - 20:51
    +8

    This isn't new.

    Also, for anyone who cares - no Google Pay on the ING credit cards. They only offer it on their debit cards.

    • Fancydancer on 13/08/2019 - 07:28

      Apple Pay though

    • CoenJC on 13/08/2019 - 15:00

      Yeah wondering why this is trending? I cant see any changes on their website that have been made unless im missing something?

  • trienchieu12 on 12/08/2019 - 21:22

    It seems good, especially if you want to buy something onboard while taking Airasia flight, which they accept credit card, not debit card,and if you pay AUD note, they will refund by Malaysia note

  • nanoxz on 12/08/2019 - 21:40
    -1

    My visa signature and master world cards are much better

    • paaj on 15/08/2019 - 08:15

      Mastercard world is good.used to be better with unlimited lounge access. Now I think it's 10 visits a year.

      • illumination on 17/08/2019 - 01:55

        nanoxz didn't specify which "master world card" he was referring to, but I know you're talking about the Bankwest World Mastercard. And correct - it now only includes 10x LoungeKey visits per year.

  • Elijha on 12/08/2019 - 21:56

    I'm going on a cruise around Asia at the end of the year is this they type of card I should get (to use internationally)? Or is the international fees for when buying into Australia?

    • Fancydancer on 13/08/2019 - 07:29

      Used it in Japan and it was excellent - No fees whatsoever.

    • paaj on 15/08/2019 - 08:16

      Yep consider the ING and citibank products for atm withdrawals and as others have suggested, a credit card with no international fees.

  • coolsteps on 12/08/2019 - 23:52

    pity its not the ing platinum card on offer with no annual fee. not sure how hard and tough the application is with ING? IMO Bankwest zero platinum is a better featured card but maybe harder to get with a 6k minimum balance.

    • evanjd on 13/08/2019 - 08:58

      not sure how hard and tough the application is with ING

      Obviously the experience will depend on lot of factors (credit rating etc), but when I applied a year back it was really easy. The application was entirely online, and got the card without having to speak to anyone. We requested a limit of $7k.

  • inherentchoice on 13/08/2019 - 02:07

    ING was talking about a credit card ever since they dropped the cashback for contactless payments. I thought they were going to offer a credit card with cashback instead of rewards points. I'll probably just churn through the other card deals.

    • Ven0m on 13/08/2019 - 08:36
      +1

      They do, but it costs $149 per year and you only get 1% cash back, maxed out to $30 per month.

      Coles Rewards Mastercard works out at 1% cash back via the FlyBuy points you earn and only costs $99, with no cap on points earned per month.

      From what I can tell, aside from using some AMEX cards at only select places, the Coles Rewards Mastercard is your best card for rewards per dollar spent and for a low annual fee. Only thing its missing is Google/Samsung/Apple Pay, despite my constant emails to them.

      • inherentchoice on 13/08/2019 - 09:37

        Okay interesting. I missed that deal with the ING platinum credit card, but it sounds like it wasn't so much of a deal.

        Churning through deals with heaps of bonus points with no annual fee has netted me a few $1000 in points over the past few years. Can even sell Qantas/Virgin points on black market.

        • Ven0m on 13/08/2019 - 11:48

          Yeah churning for the points is by far the best thing you can do for rewards. I don't think it messes up your credit rating that bad either, as long as you've got a great credit rating to begin with.

      • Slippery Otter on 13/08/2019 - 11:59

        I can vouch for this + if you're on the grand fathered Westfarmers one. You get the bonus of Lattitudes insurance like 28 Degrees. And free if you pay the balance before the due date. Best thing ever! Already has paid off the annual fee twice in one year

    • ATangk on 13/08/2019 - 08:37

      ING has 1% cashback on their platinum CC

  • CheapoJohnno on 13/08/2019 - 07:26

    If you get a everyday account first they usually offer $50 or $100 for nothing if you get a suitable referral from someone with the offer it's just to bad the referral system here sucks now so you can't easily get one

  • dingdong3000 on 13/08/2019 - 10:36

    Bring back cashback on the debit card!

  • Bargaingeek on 13/08/2019 - 10:45

    Good alternative to 28 degree but doesn't have any insurance or buyer protection :/

  • Thundaja on 13/08/2019 - 11:26
    +12

    While this is a good card, this has never had an annual fee associated with it. It is not a deal. This is the normal price and always has been.

    The Orange One Platinum (that gives you a small % cashback) has a fee.

    • figlia on 13/08/2019 - 11:28

      Cant comment on never, but I looked at this card 1 week ago and ~3 weeks ago. it was free

    • Randolph Duke on 13/08/2019 - 13:28

      Have to concur, this isn’t a deal and has been available for months.

    • vikvance on 13/08/2019 - 20:42

      Agree.

      This is not a deal.

      Every other bank has a zero annual fee credit card.

  • Associatedjrgoods @ ING on 13/08/2019 - 12:53
    -1

    is it better than 28d for shpopping in amazon.co.jp?

  • CoenJC on 13/08/2019 - 14:52

    What was it previously?

  • Ozie on 13/08/2019 - 15:01

    Not a new one. There are deluge of cards with complimentary free insurance.not a deal to me

  • toomuchdogfur on 13/08/2019 - 15:01
    +2

    I've had this card for over a year and it's never had a fee. And all the benefits listed were also always there.

    It's a good card, but nonetheless this isn't a deal.

  • SHPION on 13/08/2019 - 20:37
    +2

    Lol
    My negative vote "been revoked by community" and now people confirm my words and getting upvotes.
    Hilarious! Go "community"!

    • vikvance on 13/08/2019 - 20:50

      Too many ING fanbois in the "community".

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