ING Orange One

Never got the chance to as was not issued a card. The whole purpose was to get the card to use overseas as the offer of no bank or exchange fees is very convenient. I think the decision not to issue me a card was rather short sighted.

Applied on line, got declined immediately without any explanation, even though I work full time. Called and spoke to someone, who honestly couldn't care less and said I have put in some wrong information. She "corrected it" and said someone will call you back .Got an email saying we are almost there and we might need more information. That was 4 or 5 days ago now. Never heard back. Makes absolutely no sense why I got declined in the first place, as I've asked for $2000 limit and make 60K a year. Wont apply again, thats for sure.

I didn't actually know why my international transaction fees kept being refunded. I now know it's because I use it more than 5 times a month. They should advertise this little known feature so that more people know about it and don't need to seek out a different more specialised no international transaction fee card.

If one travels a lot overseas, this card can save you heaps in terms of transaction fee. When i travel overseas, i use this card often. Also you can use it for day to day shopping.

I travel a lot, and having used many credit cards (ANZ, CBA, QANTAS & Coles) I have to say that the ING card has been very useful. I don't need to stress about intl transaction fees as they get refunded and the app is very handy.

ING will return all international/ domestic transaction fees back as long as you use it at least 5 times a month. Whenever I am overseas, I only use ING card. Perfect for travel.

Perfect card for travel as they waive off international transaction fees. The currency conversion charges are very low compared to other bank credit cards. I use this card for grocery shopping, air travel and car repairs.

The app is pretty handy and easy to use. Can search through transactions easily. I use it for everyday purchases I know I will not need to claim price protection for. I wish they had offices so we can drop in for quick questions though.

Used at all major hotels . Excellent back up and accepted at most restaurants tourist places. So worth having a few different options to choose from when making payments overseas and on holidays

Using the ING Visa is a practical card and probably all you need when you travel overseas.

There are no rewards like other cards. What you do get is no ATM fees and the ability to use overseas without incurring any fees.

As long as you meet the minimum $1000 balance you will incur no fees.

Ofcourse you have the excellent ING customer support to back you up which is reassuring and outstanding.

I use ING as my main bank and I easily meet the deposit and transaction requirements on your Orange Everyday for better interest, free overseas transactions etc. So I applied for the ING One card. The card has a few good features as minimum $1000 limit and low interest rate, it doesn't have any rewards program, but offers up to 45 days interest free on purchases, which is great. But it doesn't support Android Pay for mobile payments so after a time I stopped using it and I closed the card.

Great low interest card without the frills. Easy and fast online application. Card delivered with a couple of days of being approved. Great card if you make purchases overseas as they dont charge extra fees.

Applied recently and was gob smacked to be rejected immediately at the end of my online application, escalated my query to the Credit Decline Review Team and after numerous back and forth and providing payslips, group certificates, evidence of rental income and what I ate for breakfast I was still declined! This is an incredibly bizarre way to treat an existing customer and what annoys me the most is that I continue to be marketed by ING with ‘take out our insurance policy’ ‘open up another account’ well to be honest I’m inclined to re finance and leave ING. I too can only assume they think because I work for a family owned business that I myself am self employed but I get a salary and a good one at that! Very annoyed!!

I don't use it as an credit card it is more ATM Since we have off set account, Very good choice if you do overseas purchase they don't charge you extra fee like other banks

I don't use the card very much as I mainly pay cash but this is very handy to have and particularly to simple to use in ATM machines. Have found everything with my ING card and handy online banking all simple and straightforward to use. Have not used it overseas so far.

They don't make it very clear in the endearing marketing but if you are self employed regardless of your financials they will not give you a credit card. We have all of our other accounts with them which are in a healthy state and this means nothing to their assessment criteria. This kind of rigid criteria is how to lose customers fast!

Once you are approved for a card limit, (universally low) it cannot be raised and they do not support balance transfer to this credit card, or from it. I have decided to move my business to Westpac, as my employer banks there, and it’s been a nightmare trying to get this credit card closed, so it’s very hard to vote with your feet. You can literally only pay into this credit card from your own account. It’s not like a normal credit card, with it’s own account number. Avoid. Westpac sent a payment a week ago, which I imagine will eventually bounce, because it has nowhere to go, and Westpac are now saying it will take 4-6 weeks to cancel that payment.

This card has no annual fees apart for $10 per card .
The interest rate is under 12% all most unheard of these days .Advance cash rate a little high at 3 % but over all best card on the market I love it !

I have been with ING Direct for 16 years, my income gets deposited into my ING bank account, our household earns over 240 K per annum, not to mention I have an excellent credit rating and the only debt we have is our home loan (no credit card / personal loans debt). Yet this week I was rejected for a Orange One credit card, and when I phoned up to enquire why, I was provided with no reason. So I am voting with my feet - I am closing my accounts with ING and moving to a bank which operates with more transparency and better customer service to its loyal customers.