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ING Low Rate Credit Card: $200 Bonus (Apply and Make 5 Eligible Transactions by 31/10), No Minimum Spend, No Annual Fee

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ING Low Rate Credit Card: $200 Bonus (Apply and Make 5 Eligible Transactions by 31/10), No Minimum Spend, No Annual Fee
Go to Deal
me1stt on 31/08/2023 - 16:13 campaigns.ing.com.au (5121 clicks)
Last edited 31/08/2023 - 16:21
Bonus200

How to get your $200 bonus

  1. Apply for an Orange One Low Rate credit card at ing.com.au or with the ING app, and include promo code Bonus200 if you're family or a friend.

  2. Once approved, make 5 eligible purchases with your new Orange One Low Rate credit card by 31 October 2023.

  3. We'll then pop $200 into your Orange Everyday account within 60 days. No Orange Everyday? Open one now at ing.com.au or with the ING app.

Eligible purchases does not include cash transactions (including cash withdrawals from an 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), any purchases refunded, interest, default charges, insurance premiums and other fees and charges debited to your Orange One Account, and any BPay transactions or transactions made which result in spending that exceeds the credit limit it any one month. The $200 bonus will be paid as a rebate into your Orange Everyday account within 60 days of meeting the criteria. Existing ING customers who currently hold an Orange One credit card or have held an Orange One credit card within the last 12 months of 31 October 2023 are not eligible for this offer. A tax liability may arise from earnings in connection to the cash bonus. You should seek your own independent tax advice.

Referral Links

Referral: random (378)

Until 30/6/2024, referrer and referee will each receive $75/$100/$125 for opening new Orange Everyday & Saving Maximiser Accounts.

Referrer: Do not participate in the referral system if you do not have a current $75/$100/$125 referral code.

Referee: To qualify, you are required to deposit a minimum $1,000 and make at least 5 (settled) card transactions within any calendar month.

Financial Credit Card VISA

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closed Comments

  • yht on 31/08/2023 - 16:22

    Is it that easy ?

    • HardQuiz on 31/08/2023 - 16:27
      +1

      It was $100 few years back, and the bonus was deposited around the 55 days mark.

    • perfectlydark on 31/08/2023 - 16:32
      +3

      technically yes, but this is the only credit card i was ever declined for, and im still unsure why, i am even an ING customer

      • SoapyWooder on 31/08/2023 - 19:04
        +1

        Did it impact your credit rating?

        • perfectlydark on 31/08/2023 - 21:34

          not that i know of. i got declined earlier last year then applied for an ANZ black credit card shortly after with no issues

        • Bdawg on 01/09/2023 - 11:45

          Just applying for a credit card will decrease your credit rating a little.

          • caperite on 01/09/2023 - 13:02

            @Bdawg: and only for a brief period of time

      • scons on 31/08/2023 - 22:30

        same

    • AngoraFish on 31/08/2023 - 19:22

      Yep. I got the cash no problem.

    • lasterato on 31/08/2023 - 16:36
      +1

      What about this store at 60 Margaret St, Sydney NSW 2000?
      https://g.co/kgs/3e1Fa6

      • merivetio on 01/09/2023 - 08:48

        I think that physical branch is for home loans only. I might be completely wrong though.

    • realJuliusCaesar on 01/09/2023 - 12:43
      +1

      They've been operating in Australia for decades. If they were dodgy, it would be fairly apparent by now.

  • MedianTundra on 31/08/2023 - 16:35

    previous posts seem to suggest this is a targeted deal?

    • foxes28 on 31/08/2023 - 17:14

      Previous deal is different - it didn't have promo code to be entered. For that one, you have to receive the invitation from ING to apply to be eligible, hence targeted.

    • AngoraFish on 31/08/2023 - 19:25

      It isn't, just enter the code when applying.

      • Drakesy on 26/09/2023 - 18:59

        Where do you enter the code?

  • Hardwood198 on 31/08/2023 - 16:36
    -2

    Is the $200 bonus taxable?

    • jeppetto367 on 31/08/2023 - 17:12
      +27

      Only if you want it to be.

    • soan papdi on 31/08/2023 - 17:41
      +2

      Submit your TFN to the bank and they will report it to the ATO if they have to. AFAIK this is not income, so won’t be taxed but leave it to them.

    • kickling on 31/08/2023 - 22:52

      Not the $200, but it says "A tax liability may arise from earnings in connection to the cash bonus" which I assume is if you earn interest off it (ie put it into an interest earning account).

    • zorji on 01/09/2023 - 09:08
      +1

      I remember I checked this. All cashback, bonus credit is just like how u get cash or gift from loyalty point, they are not taxable.

  • AnyFurtherDiscount on 31/08/2023 - 16:57

    It was $100 in 2021 and cashback within a month after 5 taps.

    Wondering it is target or open to public?

  • krishnabhargavt on 31/08/2023 - 17:10
    +2

    I literally got my card today for a new low rate platinum and see this 😞

    • Kangal on 31/08/2023 - 21:20

      Wonder if people can help…
      …what are the better or best Banks to sign up with or accounts to have.

      I used to only have one bank, but found it better having two, for separate accounts. So I want to limit my original one, and perhaps open another 1-2 accounts.

      I know the big five is CBA, Westpac, NAB, and ANZ. There are other "medium banks" like Macquarie, Bendigo, BOQ, etc etc. Then there are smaller banks and virtual ones.

      I'm looking mostly for everyday accounts, and trying to do the Barefoot style. But don't want to use Savings Accounts with their miniscule returns and want to park as much into Super and Stocks. I've always wanted to open an ING but found they're much smaller than I realised, basically virtual, and are based in Dutch. Currently have NAB (primary) and ANZ (secondary).

      !!! Any guidance will be mucho appreciate ¡¡¡

      • Oztx on 31/08/2023 - 22:41
        +3

        HSBC Everyday account with their 2% cashback debit card (for transactions less than $100) is the best physical/tap spending card ever.

        You just need to deposit $2000 per month in it to be eligible for cashback for next month (you can take the 2k after 1 min of deposit out if you want)

        • DrDan on 01/09/2023 - 14:44

          Any fees etc? Very keen

          • Oztx on 01/09/2023 - 16:33
            +1

            @DrDan: No fees. It's a debit card not credit card.

            • Kangal on 06/09/2023 - 18:33

              @Oztx: Thanks heaps.
              Now I have my old Everyday+Saver NAB (they're the best of the Big Four). And I signed up for the HSBC Everyday Account as you suggested, it's really good for travelling. I also signed up to Macquarie Bank Transaction Account, which has the highest Savings Returns.

              Looks like ING and Citibank used to be the best ones for a decent length of time, but now they're pretty average.

  • foodag13 on 31/08/2023 - 17:11

    I got refused even though I’m an ING customer. Because of my temporary visa :(

    • nned2say on 31/08/2023 - 17:29

      How do you know the reason? Is it included in the letter?

      • Chivalry on 31/08/2023 - 17:51
        +10

        i mean, it is in the eligibility criteria:
        To be eligible to apply for Orange One Low Rate, you need to:
        Be aged 18+
        Earn $36,000 or more a year
        Be an Australian citizen, New Zealand or Australian permanent resident
        …

        • nned2say on 31/08/2023 - 19:13

          Thx Chivairy.

        • Thaal Sinestro on 01/09/2023 - 09:46

          Thanks for the information. People who welfare (who actually need the extra cash) miss out again. Classism.

    • penguinswillrise on 01/09/2023 - 09:26
      +1

      You'll get there. Took me 7 years to be a PR, spent 4 of those years working full time for an Australian company but still missed out on many things because I wasn't a PR.

  • samwise_777 on 31/08/2023 - 17:13
    +1

    It doesnt even let me start an application through my account "We are unable to process your request online. Please call us…."

    • alohame on 07/09/2023 - 19:43

      Same here

  • sdfgsdf6478 on 31/08/2023 - 17:18
    +7

    When we're considering a credit application we look at information from a number of sources.
    You must be employed on a Full Time or Part Time Basis. Currently we are not accepting Self Employed applicants

    For what it's worth, don't bother applying if you're self-employed

    • rokufan on 31/08/2023 - 20:53

      I was about to ask. Thank you.

  • Barglala on 31/08/2023 - 17:21

    Declined :( no easy money for me. I only applied for a 1k limit as well.

  • alamodey on 31/08/2023 - 17:24

    are there fees after the first year?

    • bohn on 31/08/2023 - 17:33

      nah

  • xdigger on 31/08/2023 - 17:35

    Is this a good travel card, for zero forex fees? currently using the wise debit card for overseas travels.

    • krishnabhargavt on 31/08/2023 - 17:51

      It wont charge the fee if you meet the criteria of 1000 deposit and 5 settled transaction

    • AppleLime on 31/08/2023 - 17:55

      I am also looking for credit card for zero forex transaction fees with free lounge. Anyone can suggest? Thanks.

      • timhn on 31/08/2023 - 19:00
        +1

        Check at CommBank for the Ultimate card

      • Bdawg on 01/09/2023 - 11:47
        +1

        I use 28degrees.

  • Qalsd on 31/08/2023 - 17:36
    +1

    Declined dunno why. Either high home LVR or applying for credit recently with the NAB deal I'm guessing…

  • navshaf on 31/08/2023 - 17:48
    +3

    Waste of time if u have excellent credit score. Declined my application for no good reason.

    • REDRUM on 31/08/2023 - 18:37
      +1

      Ditto, I'm not rich, but I have solid savings, small mortgage and no dependents… Still refused no reason given.

      Same thing happened last time, just wanted a card to consolidate all my bills into..

    • timhn on 31/08/2023 - 19:01
      +2

      I guess if they see you are churner then would be instant declined.

  • Chivalry on 31/08/2023 - 17:48
    +3

    "if you're family or a friend" :o

  • mitty on 31/08/2023 - 18:03
    +1

    I had one of these when they first came out. Was a very weird card. You can only pay to it from the Orange Everday account, and you can't put it in credit. (unless that's changed). I ended up closing it. I do recall that even then the application process was like getting blood from a stone. given I have other cards now, I am almost certain I'd get knocked back for this one now, not worth the hit on my credit score (and plus my credit scores are all locked because of the 28 degrees data breach anyway).

  • reachdigital on 31/08/2023 - 18:12

    Is this targeted ?

    • AngoraFish on 31/08/2023 - 19:23
      +1

      no. Just enter the code. We're all friends around here. You don't have to provide photos of yourself at a party with an employee or something.

      • reachdigital on 31/08/2023 - 20:25
        +1

        Lol thanks , just thought I check as last time something like this was targeted

  • AppleLime on 31/08/2023 - 18:14

    Sorry off topic. Intend to open a savings maximiser account. Do I need to open an everyday account first then only a savings maximiser account or I can just open savings max only? Planning to apply for a credit card too. Advice appreciated.

    • Rimas on 31/08/2023 - 18:31
      +1

      Their saving maximiser is only good if you link it to an everyday account, otherwise you'd get a peanuts base interest rate even if you could open it standalone.

    • StuBalls on 31/08/2023 - 19:07
      +1

      The process is to open an Everyday account first, then you can add the Savings account yourself.

    • bargain4all on 31/08/2023 - 21:49

      There is $100 bonus if you didn't have account previously.

  • brendonward on 31/08/2023 - 18:42

    What's the minimum credit limit?

    • brendonward on 31/08/2023 - 18:43

      Just checked, it's $1k

      • reachdigital on 31/08/2023 - 18:49

        Sorry, is this targeted, do you know ?

  • Frozensage on 31/08/2023 - 19:08

    this trigger a soft credit enquiry?

    • timhn on 31/08/2023 - 19:10
      +2

      Just like other CC inquiries.

  • anti-hero on 31/08/2023 - 19:32
    +1

    declined application !!!

  • Rimas on 31/08/2023 - 19:36
    -1

    I have this card and use it to book my flights and hotels to get free travel insurance underwritten by Allianz. You need to be approved for min 6000 limit to get that though. Really good card if you asked me. Being an ING customer, I get free international transactions both online and not, no annual fee and free travel insurance.

    • naruto128 on 31/08/2023 - 23:03
      +2

      Free travel insurance and 1% cashback are on a different product, Orange One Platinum card which costs $149 pa.

      • Rimas on 01/09/2023 - 12:27
        +1

        True but the no annual fee card with min 6k limit also gets free travel insurance

        If you apply for an Orange One Low Rate Credit Card and are approved for a credit limit of $6,000 or more, you will receive an Orange One Low Rate Platinum card with access to complimentary international travel insurance. Fees and charges are the same for both Orange One Low Rate Classic and Low Rate Platinum.

        • sween64 on 14/09/2023 - 08:31

          Fees and charges are the same

          But not the annual fee? How long have you had this CC for?

          • Rimas on 14/09/2023 - 21:23
            +1

            @sween64: There is no annual fee. Have had it for over 2 years

    • bigbadboogieman on 01/09/2023 - 07:03
      +1

      you can get that on Bendigo Platinum Ready credit card too without the need to make 5 transactions per month, etc.

  • circle9nine on 31/08/2023 - 19:42
    +4

    Getting the bonus paid out on an earlier deal was like blood from stone, despite meeting reqs. I would avoid.

    • WarriorZ on 01/09/2023 - 07:30

      Is the free upgrade to platinum forever or just the first year? Looks like there's a $149pa fee

    • Jowey on 07/09/2023 - 10:50
      +1

      Good idea
      Just got approved after only providing two payslips.
      If they want my tax returns they can ask the ATO

  • AngoraFish on 31/08/2023 - 20:49

    Same deal (https://www.ozbargain.com.au/node/762971). Got my card 26 March 23, $200 "miscellaneous credit" was deposited 3 May.

  • jamesvdm on 31/08/2023 - 20:49

    Where does one enter the promo code? I'm at "Submit Application" but haven't seen a field.

    • bohn on 31/08/2023 - 21:17

      it was near the beginning 'About you' I thought,
      but then I saved the application to return to it later - and when it shows the entire application at the end before you submit, the section with the promo code is gone.

      I am an existing customer, so the field may be in a different spot for new customers.

      • jamesvdm on 31/08/2023 - 21:27

        Thanks. I'm an existing customer. Must have missed it at the start. Seems there's no way to go back to that step. I sent them a message.

        • bohn on 31/08/2023 - 21:43

          yeah I am not going to submit this thing until I know for sure ;)
          they need to improve their application

          • jamesvdm on 01/09/2023 - 15:58

            @bohn: Well they got back to me and said to edit the About You section to add the promo code. Well there's no way to get back to that section that I could find, so I cancelled the application and started again. The promo code box was indeed in that section.

            • bohn on 01/09/2023 - 16:08

              @jamesvdm: yeah it's definitely there and I entered the code in that box - however, it is absent upon resuming the application. They didn't reply to my message as yet, so I may just start another

              It also isn't there when I edit the about you section.

            • bohn on 01/09/2023 - 16:11

              @jamesvdm: where do you cancel it?

              • tabboy on 18/09/2023 - 18:24

                @bohn: Also would like to know how to cancel the application and start again….

                • bohn on 18/09/2023 - 19:10

                  @tabboy: I messaged them and they told me just to edit the section or start a new application. I replied that the edit wasn't available (and included a screenshot) and asked them to cancel the application for me.

                  But they never bothered responding.

    • SimbaGirl on 01/09/2023 - 12:02

      Yes, it is on the first page of the application process. I'm an existing ING customer and the promo code box appeared just above the "I've read the Privacy Notice" button and check boxes.

  • Bortron on 31/08/2023 - 21:09
    +2

    what a s**t card application - declined for $2k
    I have a everyday account as well so they can see my income coming in
    first time I've ever been declined for a cc.

    • perfectlydark on 31/08/2023 - 21:43
      +5

      reading these comments its my experience last time i tried. im not wasting time with ING anymore, also the only one that ever declined me

      • willywolf on 31/08/2023 - 21:49
        +1

        Same here, first time ever got a rejection from a cc application :(

  • 89tnp on 31/08/2023 - 21:59

    can you pay the credit card off via direct debit from another financial institution (i.e. ANZ?)

  • repeat on 01/09/2023 - 06:59

    I just realised I locked down my credit report with credit savvy after Optus and Medibank doxxed all and sundry.
    Wondering if it is worth the hassle though, as I am not sure how long it takes to unlock it.
    From what others have said I could do all this and then just get declined after requesting a low limit.

    • timhn on 01/09/2023 - 07:57
      +1

      From memory, i think could take a week. They would tell you when you requested to unlock.

      CC applications would be instant rejection when credit report is locked.

    • johnnytran on 01/09/2023 - 07:57

      How do you lock it? I don’t believe I was part of any breach but I don’t intend on applying for any cc’s or changing my mortgage any time soon. I regrettably submitted a photo of my license to a crypto exchange for KYC I’m not sure how far someone can go if that is leaked

      • repeat on 01/09/2023 - 08:29
        +1

        I just followed Scott Pape's advice, via the credit savvy app (I think it is just their web app) and then requested a credit ban, then extended it to a year after one month.
        The app just shows your "credit score" whatever that is, but I only used it to ban myself from applying for credit due to Optus and Medibank doxxing me.

        That said, even though the credit score is great or whatever does not seem to have any bearing on being approved by ING for this promo.
        To me, it does not seem worth the risk.

    • Chivalry on 04/09/2023 - 09:56
      +1

      Credit Savvy uses Experian Bureau, which I don't believe ING uses. So your file ban shouldn't affect the ING application.

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