ING Direct Orange One Credit Card $0 Annual Fee

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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

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Comments

  • +4 votes

    seems like a good alternative to 28 degrees

    •  

      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

    • -2 votes

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

      • +3 votes

        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..

      • +1 vote

        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.

    • +21 votes

      Wouldn't Bankwest Platinum Zero be better?

      •  

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

        •  

          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.

          •  

            @TheDangerStomp: 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.

      • -2 votes

        17.99% vs 11.99%

        • +30 votes

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

          • +4 votes

            @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.

          • -2 votes

            @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.

      •  

        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.
    • +3 votes

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

      •  

        No it doesn't.

      •  

        Don't believe so.

        • +3 votes

          then why would anyone want to swap them?

          • +2 votes

            @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.

            • +26 votes

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

              • +4 votes

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

            • +14 votes

              @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

            •  

              @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.

                • +1 vote

                  @jas0nt: 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

                  •  

                    @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.

                    •  

                      @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.

                      • +1 vote

                        @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.

                  •  

                    @swxfty: When is that going to take place?

                    • +1 vote

                      @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.

          •  

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

    • +12 votes

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

    •  

      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...

  • +18 votes

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

    •  

      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.

      • +3 votes

        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

        • +1 vote

          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.

      • +12 votes

        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!

        • +3 votes

          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).

      • +5 votes

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

      • +7 votes

        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.

        •  

          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.

          • +2 votes

            @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.

            •  

              @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..

        •  

          Savings acc?

      •  

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

      • +1 vote

        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.

  • +3 votes

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

  • +8 votes

    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.

  •  

    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

  • -1 vote

    My visa signature and master world cards are much better

    •  

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

      •  

        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.

  •  

    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?

    •  

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

    •  

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

  •  

    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.

    •  

      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.

  •  

    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.

    • +1 vote

      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.

      •  

        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.

        •  

          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.

      •  

        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

    •  

      ING has 1% cashback on their platinum CC

  •  

    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

  •  

    Bring back cashback on the debit card!

  •  

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

  • +12 votes

    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.

  • -1 vote

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

  •  

    What was it previously?

  •  

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

  • +2 votes

    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.

  • +2 votes

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

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