ING Direct Orange One Credit Card $0 Annual Fee

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jez22333 on 12/08/2019 - 20:06 ing.com.au (2520 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

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  E5TOQUE on 13/08/2019 - 21:23

  +1

  Commbank Low Fee Gold offers something similar:

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

  • 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.
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    AliKay on 14/08/2019 - 16:08

    Just had a look at this. Unable to find any info on the Purchase protection, purchase security or extended warranty bits. Only some detail on travel insurance.

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  illumination on 14/08/2019 - 17:47

  +2

  I forgot to comment with this earlier.

  The 28 Degrees (as can be seen from comments above) is not only seen as a travel card because of the no international fees, but also the "price protection card".

  I'm not sure how many of you are aware - but there's an even better card for price protection. The Coles Mastercard offers basically the same benefit, but it's for a 24 month period instead of for a 12 month period. There are other subtle differences - but that is the key difference, and having an extra 12 months up your sleeve to claim for price drops is superior. I believe the Coles Mastercard and 28 Degrees were previously both issued by GE Money, before Latitude came along, and then Coles Mastercard got bought out or something by Citibank, but the insurance seems to have remained much the same.

  Therefore, I'd argue that the 28 Degrees is really not a "price protection" card when you've got the option of the Coles Mastercard.

  For that reason, I personally think the best combination at the moment, generically speaking is:

  • Bankwest Zero Platinum Mastercard - No International Fees, Travel Insurance
  • Coles Mastercard - Price Protection - you could go for the $99 annual fee version to get an effective 1% cashback via FlyBuys, plus no international fees (then your Bankwest Zero Platinum Mastercard only becomes your Travel Insurance card)
  • AMEX Explorer - still the best AMEX card out there with the best points earn - probably still superior than an effective 1% cashback

  Then there's the new HSBC card with 2% cashback - which is also good, and potentially better than the Explorer (depending on what you use points on).

  The only reason you wouldn't opt for the Coles Mastercard as your price protection card is if you don't want another card, and you kind of want that "all-in-one" - in which case, the 28 Degrees is probably the most balanced. You're effectively foregoing Travel Insurance (Bankwest Zero MC) and an additional 12 months of price protection (Coles MC).

  From a no international fees point of view, the 28 Degrees is no longer "king". Going back about 10 years, it was pretty much the only CC that didn't surcharge international and foreign transaction fees, but there are so many options now. ING (Debit/Credit), Ubank (Debit), Macquarie (Debit), 28 Degrees (Credit), Citibank (Debit), ANZ Travel Adventures (Credit), Bankwest Platinum range (Credit). I wonder if I've missed any?

  But yes - as others have mentioned, Debit Card vs Credit Card isn't directly comparable.

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    AliKay on 14/08/2019 - 22:42

    I haven't checked myself but I remember reading a comment mentioning that Coles no longer offers 24 months price protection. It's only effective for existing customers…

    Edit: it's in the wiki! The price protection part is crossed out.

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      illumination on 15/08/2019 - 00:35

      Ah yes you're right… and that is hugely important, my bad.

      Ok, so really only relevant to existing cardholders.

      In that case, the 28 Degrees probably is the best price protection card.

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  avendr on 23/09/2019 - 19:14

  $1,000 deposit + 5 transaction makes this a bad deal.

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  CauseNEffect on 29/01/2022 - 22:56

  Are contractors or self employed eligible for this or any competitor deals?

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