ING credit cards
ING Bank, a subsidiary of Dutch bank, ING Group, are an online bank that has been operating in Australia since 1999. ING customers can do most of their banking via the online bank login or ING app. This includes transferring funds between accounts and opening new accounts.
As it is an online-based financial institution, it does not have branches based across Australia. However, ING has opened a lounge at the base of its Sydney headquarters, on Margaret Street.
This is operated by Customer Managers, who can be reached to discuss financial decisions through appointment or walk-in. The lounge can also offer in-person assistance from its digital coach on how to use ING’s online banking platform or ING app.
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Why choose ING
ING Credit Cards
About ING credit cards
ING Bank offers customers two types of credit cards: a standard credit card and a platinum credit card.
The standard credit card comes with a moderately low purchase rate and no annual fee. You also have the option of paying off purchases at a lower interest rate at set terms of your choice using ING instalment plans.
The platinum credit card comes with an average to moderately high purchase rate and annual fee. This is common with platinum credit cards, as it’s expected you’ll have the income to service these charges for the benefit of having the card. It also comes with perks, such as complimentary travel insurance.
ING also waives international transaction fees for both cards if you deposit at least $1,000 a month into your ING transaction account and make 5+ settled card purchases a month.
ING credit cards review
ING’s standard credit card is a competitive option for those looking to keep costs down by avoiding fees, or for those who find themselves paying interest on outstanding card purchases frequently. This is thanks to its moderately low purchase rate and zero annual fees.
ING’s platinum credit card also may be an affordable option for customers looking for a platinum card with some of the perks you’d expect, but with a more affordable annual fee than other comparatively higher-cost cards. It also offers complimentary travel insurance, which can be a helpful resource for cardholders.
However, if you’re looking for a platinum card with all the bells and whistles, there may be other options with more perks, including rewards programs and other complimentary insurances or concierge services.
Both cards may be a handy resource to use when traveling or shopping internationally, thanks to its waiving of international fees, if conditions are met. They also both offer moderately high interest free days, which can help with budgeting for your credit card repayments.
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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.
