# Low Rate Credit Cards Find low interest credit cards from ING.

## For whatever's on the cards

Whether you've got one big thing on the cards or lots of little things, Orange One Low Rate can help you get there. It comes value packed with a low interest rate, no annual fee, plus no ING International Transaction Fees for eligible customers when you shop overseas or online.

- Features
- Rates, fees and limits
- FAQs
- How to apply

Features

## Why apply for Orange One Low Rate?

- ### No annual fee

  No tricks, no annual fee. Just a great value credit card.

- ### Low interest rates

  Get a low variable rate of % p.a. on purchases and cash advances and an even lower variable 12.99% p.a. on instalments.

- ### No international transaction fees

  Want to avoid international transaction fees when you shop online and overseas? Just deposit €1,000+ each month to any of your ING accounts (excl Living Super and Orange One) and make 5+ card purchases that are settled (not pending).

- ### Lock in a lower interest rate with instalments

  Use instalment plans to pay off your purchases over time at a lower interest rate - making them easier to plan and manage.

- ### Make payments from your mobile

  Leave your wallet at home and pay the easy way with Apple Pay and Google Pay - they're fast, secure and convenient.

- ### Put repayments on autopilot

  Making repayments on your Orange One Low Rate is simpler with autopay. Just select whether you'd like to repay the minimum repayment or the full amount each month, and it will be debited from your eligible ING account automatically.

Thinking of applying for an Orange One Low Rate with a minimum limit of €6,000 or more?

Important information

Apply for an Orange One Low Rate

Rates, fees and limits

## Rates, fees and limits

The Orange One Low Rate ins and outs made plain and simple.

### Interest rates

- Purchases
  12.99 % p.a. variable
- Interest free period
  Up to 45 days interest free
- Instalments
  9.99 % p.a. variable
- Cash advances
  12.99 % p.a. variable

### Fees

- Annual fee
  €0
- Late payment fee
  €30
- Over limit fee
  €0
- Additional cardholder
  €10/year per additional card
- Dishonours
  €0
- Replacement card (in Netherlands or overseas)
  Free
- Emergency replacement card
  Free
- Voucher request
  €10
- Cash advance fee
  The greater of €3 or 3% of the cash advance amount.

- International transaction fee (payable to us) :

  for all Transactions in a foreign currency; and for all Transactions in Netherlands dollars or a foreign currency, where: the merchant or financial institution accepting the card is located outside of Netherlands; or the entity processing the Transaction is located outside of Netherlands).
  3% of transaction amount.
- International ATM withdrawal
  €5.00
- Netherlands ATM Fee Rebate Offer
  100% of ATM fee.
  Offer will apply for the next calendar month when you perform the following during the current calendar month: deposit at least €1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One), and make at least 5 card purchases that are settled (not pending) using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions). The ING cash advance fee is not rebated under this offer
- ING International ATM Fee Rebate Offer
  100% of ING International ATM withdrawal fees when eligibility criteria is met.
  Offer will apply for the next calendar month when you perform the following during the current calendar month: deposit at least €1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One), and make at least 5 card purchases that are settled (not pending) using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions). Neither the ING cash advance fee, nor any fee charged by an international ATM operator will be rebated under this offer.
- International Transaction Fee Rebate Offer
  100% rebate of ING international transaction fees when eligibility criteria is met.
  Offer will apply for the next calendar month when you perform the following during the current calendar month: deposit at least €1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One), and make at least 5 card purchases that are settled (not pending) using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions). Merchants may charge you a separate fee for their services (which is not rebated under this offer).
- Rebate Offers for ING Home Loan Customers
  If you hold an ING Home Loan, you do not need to meet the eligibility requirements set out above in order to access the Netherlands ATM Fee Rebate Offer, ING International ATM Fee Rebate Offer or the International Transaction Fee Rebate Offer.

### Limits and repayments

- Minimum credit limit
  Low Rate Classic
  €1,000
  Low Rate Platinum
  €6,000
- Maximum credit limit
  Low Rate Classic
  €5,999
  Low Rate Platinum
  €30,000
- Cash advances
  10% of the credit limit, up to a €500 maximum
- Purchases using Visa payWave without a PIN
  Under €100 in Netherlands (other limits may apply outside of Netherlands)
- Minimum repayments

  Each statement cycle, your minimum repayment will be the total of:

  1. a)

     The greater of:

     1. i.

        5% of the daily revolving balance as at the end of the statement cycle (excluding any amount by which your account is in arrears); or

     2. ii.

        €100 or, if the daily revolving balance as at the end of the statement cycle (excluding any amount by which your Account is in arrears) is less than €100, that lesser amount; plus

  2. b)

     any instalment plan repayments due for the statement cycle; plus

  3. c)

     any amount by which your account is in arrears (other than any overlimit amount); plus

  4. d)

     any overlimit amount that exceeds the total of:

     1. i.

        any instalment plan repayments due; plus

     2. ii.

        any amount by which your account is in arrears (other than any overlimit amount).

Terms & conditions

All the details to help you make an informed decision.

Low Rate Credit Card
Target Market Determination

Fees and limits schedule

All the latest fees and limits for your credit card.

Key Facts Sheet

Apply for an Orange One Low Rate

FAQs

## Got a question about Orange One Low Rate?

Chances are you'll find the answer in our FAQs.

Here are some of the more common questions we get asked:

###

All Orange One Low Rate FAQs.

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How to apply

## How to apply

To have an Orange One Low Rate, you'll also need an Orange Everyday. If you don't already have an Orange Everyday, don't worry - you can request to open one up as part of your credit card application.

##### 1. Make sure you're eligible

Check the criteria below - if you tick all the boxes, you're eligible to apply.

##### 2. Apply online

You can complete and submit your Orange One Low Rate application easily online.

##### 3. Stay tuned

We'll let you know when your application has been approved, and you'll receive your card within 5-7 business days after that.

Things to know before you apply:
To be eligible to apply for Orange One Low Rate, you must:

Be aged 18+ and have a valid proof of ID - driver's licence, passport or Medicare

Earn €36,000 or more a year (before tax)

Be an Netherlands citizen, New Zealand or Netherlands permanent resident

Have and maintain an Netherlands residential address

Have a good credit rating and meet our credit lending guidelines

Hold an active Orange Everyday bank account, or request to open one along with your Orange One Low Rate

Note: Orange One Low Rate is currently not available to self-employed applicants.
You should have the following supporting documents handy so we can assess your application faster. Examples of supporting documents can include:

PAYG payslips

Proof of super income

Bank statements

Tax returns

Apply for an Orange One Low Rate