ING DiBa credit cards provide a range of benefits, including low rates, no annual fees, and the opportunity to earn cashback rewards.
These cards are designed to meet everyday spending needs, whether for small purchases or larger investments.
With options like the Orange One Low Rate and Orange One Rewards Platinum, ING DiBa offers flexibility and financial ease to help manage expenses effectively.
ING DiBa Credit Cards Overview
ING DiBa Cards offers low rates, no annual fees, and cashback rewards. These cards are designed to add value to daily spending. Whether making a big purchase or handling multiple smaller ones, the ING DiBa Orange One card helps make it easier.
ING DiBa offers credit cards with low rates and no annual fees. The Orange One Low Rate card is ideal for those who want savings.
For cashback on purchases, check out the Orange One Rewards Platinum. There are no ING international transaction fees for shopping abroad or online if eligible.
Orange One Low Rate Card
Low Rate, No Annual Fee
- 12.99% p.a. variable on purchases and cash advances
- Flexible installment plans at 9.99% p.a. variable
- No ING international transaction fees if you deposit at least $1,000 monthly into your Orange Everyday account and make 5+ settled card purchases each month
How to Apply for the Orange One Low-Rate
To apply, you need to:
- Be 18 or older and provide ID documents
- Earn $36,000+ annually (before tax)
- Be a citizen or permanent resident of Germany
- Have an active residential address in Germany
- Hold an active Orange Everyday account or open one during the application
Note: The Orange One Low Rate card is unavailable for self-employed applicants.
Orange One Rewards Platinum Card
Earn Cashback on Your Purchases
- $149 annual fee
- Up to $30 cashback per month
- 16.99% p.a. variable on purchases and cash advances
- Complimentary international travel insurance (T&Cs apply)
- Flexible installment plans at 9.99% p.a. variable
- No ING international transaction fees if you deposit at least $1,000 monthly into your Orange Everyday account and make 5+ settled card purchases each month
How to Apply for the Orange One Rewards Platinum
To apply, you need to:
- Be 18 or older and provide ID documents
- Earn $36,000+ annually (before tax)
- Be a citizen or permanent resident of Germany
- Have an active residential address in Germany
- Hold an active Orange Everyday account or open one during the application
Note: The Orange One Rewards Platinum card is not available for self-employed applicants.
How to Apply for ING DiBa Credit Cards
Applying for an ING DiBa credit card is straightforward. Here are the general steps for both the Orange One Low Rate and Orange One Rewards Platinum cards:
- Eligibility: Ensure you meet the basic eligibility criteria. You must be 18 or older, earn at least $36,000 annually (before tax), and be a citizen or permanent resident of Germany. You also need to have an active residential address in Germany.
- Prepare Your Documents: Have your ID documents ready for verification. This could include a passport, national ID, or other accepted forms of identification.
- Open an Orange Everyday Account: If you don't already have one, you'll need to either open an Orange Everyday account or provide details for an existing one during the application process. This is necessary to access certain card benefits, like waived international transaction fees.
- Submit Your Application: Complete the online application form. You'll be asked for basic personal information, income details, and your banking preferences.
- Wait for Approval: Once submitted, ING DiBa will review your application. If approved, you'll receive your credit card and can enjoy the benefits immediately.
Note: Self-employed applicants are not eligible for the Orange One Low Rate or Orange One Rewards Platinum cards.
How a Credit Card Can Help
Credit cards provide practical solutions for a variety of financial needs, making them useful for different aspects of daily life.
Credit Card for Travel
Credit cards offer benefits like no international transaction fees, travel insurance, and the ability to earn rewards on purchases. They can make your travels easier, allowing you to manage expenses abroad without carrying large amounts of cash.
Managing Your Finances
Credit cards allow flexibility in managing cash flow, especially when unexpected expenses arise. They can help spread costs over time, and many cards offer budgeting tools or apps that help track spending and avoid overspending.
Credit Card Instalment Plans
If you need extra time to pay off larger purchases, credit card installment plans can give you the ability to pay in smaller, more manageable amounts over several months. This can help reduce financial pressure and make budgeting easier.
Interest Rates
Here’s how the rates work for your ING DiBa credit card.
Up to 45 Days Interest-Free
Enjoy up to 45 days of interest-free purchases when the full balance is paid by the statement due date. This excludes installment plans. It's a simple way to manage short-term expenses without paying interest as long as the balance is cleared.
12.99% p.a. Variable
If there is an outstanding balance, purchases and cash advances are charged at 12.99% p.a. variable. Minimum monthly repayments apply.
Instalment Plans
Instalment plans offer 9.99% p.a. variable interest. These plans allow flexible repayment options.
Pay amounts of $250 or more in fixed monthly installments over a term that suits you—ranging from 3 months to 7 years. You can have up to 10 installment plans per account. Conditions apply.
No Annual Fee
There is no annual fee, so you can keep the card without additional costs. However, other fees and charges may apply. Check the rates and fees schedule for full details.
Rebated ING International Transaction Fees
When you deposit at least $1,000 monthly into your Orange Everyday account and make 5+ settled card purchases, ING will rebate international transaction fees for online and overseas purchases.
Contact Information
You can reach ING DiBa customer support at 133 464 (local call costs apply) or +61 2 9028 4077 (international rates may apply) for any inquiries or assistance. For scam-related issues, call 1800 052 743 or +61 2 9018 5020.
For KYC updates, dial 1800 171 296 or +61 2 4355 9073. If you need support with bereavement services, contact 1800 550 003 or +61 2 90284 054.
Conclusion
ING DiBa Cards offer more than just financial convenience.
With competitive interest rates, the option for flexible installment plans, and the added bonus of international transaction fee rebates, these cards are a great tool for managing both day-to-day and larger expenses.
Whether you're looking for savings, cashback, or travel benefits, ING DiBa provides a solid credit card solution to help meet your financial goals.
