The credit card that gives you a low interest rate, low annual fee, plus no ING international transaction fees for eligible customers when you shop overseas or online.
Last product change: 25 Jul 2025
Last checked: 14 Aug 2025
| Type | Rate (p.a.) | Comparison Rate (p.a.) | Duration |
|---|---|---|---|
Cash Advance | 12.99% | - | |
| |||
Discount | 9.99% | - | |
Use instalment plans to pay off your purchases over time at a lower interest rate. | |||
Purchase | 12.99% | - | |
| |||
| Billing Frequency | Details | |||
|---|---|---|---|---|
| Annual fee | Periodic | $0.00 | P1Y | There are no annual fees. |
| Late payment fee | Event | $30.00 | null | |
| Additional card holder fee | Periodic | $10.00 | P1Y | $10/year per additional card. |
| International purchase | Transaction | null | ||
| International ATM withdrawal | Withdrawal | $5.00 | null | |
| Cash advance fee | Withdrawal | The greater of $3 or 3% of the cash advance amount. |
| Additional Cards | 3 additional cards You can ask us to issue a Visa Credit Card to up to 3 Additional Cardholders. |
| Interest Free Period | 45 days |