Balance Transfer Savings
0% Purchase Savings
You could save
Savings is an estimate of the amount saved on interest charges and annual fees, as a result of transferring an eligible balance to the 0% balance transfer card for the interest-free period.
The savings estimate is based on a daily compound interest rate formula, taking into consideration your inputs above, as well as applicable balance transfer and annual fees, along with the following assumptions:
• No additional purchases or withdrawals are made
• A minimum 3% balance repayment is made each month
• Annual fees for the current year are charged in the first month
• If applicable, the annual fee refund is processed in the month eligibility is met
• There are 30 days in each month
• Your existing card will be closed and will incur no further fees
• Other fees are excluded
All estimates are based on our assumptions and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.
Go to offer links directly to the bank’s website. Please ensure you review the full terms and conditions on the bank’s website prior to applying.
in 6 months
You could save
Savings is an estimate of the amount saved on interest charges and annual fees during the interest-free period, as a result of making a purchase on a 0% purchase card, rather than on your existing card.
The savings estimate is based on a daily compound interest rate formula, taking into consideration your inputs above, as well as the annual fee, along with the following assumptions:
• The purchase amount is incurred in the first month
• No additional purchases or withdrawals are made
• A minimum 3% balance repayment is made each month
• Annual fees for the current year are charged in the first month
• If applicable, the annual fee refund is processed in the month eligibility is met
• There are 30 days in each month
• Your existing card will be closed and will incur no further fees
• Other fees are excluded
All estimates are based on our assumptions and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.
Go to offer links directly to the bank’s website. Please ensure you review the full terms and conditions on the bank’s website prior to applying.
More info links to a detailed product page on our site.
in months
email mep.a.
p.a.
annual fees
| Maximum Credit Limit | $30,000 |
|---|---|
| Other Requirements | Yes Must have or request and ING Everyday bank account |
| Card Type | Mastercard |
| Mobile Cardless Payments | Yes Apple Pay Google Pay |
| Minimum Credit Limit | $6,000 |
| Interest Free Period The maximum period of time that no interest is charged on new purchases. May not be applicable if the account or closing balance is not paid in full by the due date. | Up to 45 days |
| Purchase Rate The standard interest rate that applies to purchases on the card | 16.99% p.a. |
| Annual Fee An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. | $149 p.a. |
| Cash Advance Rate Interest rate incurred for a cash advance | 16.99% p.a. |
| Minimum Income | $55,000 |
|---|---|
| Minimum Age | 18 years of age or over |
| Temporary Resident Application | No |
| International Transaction Fee Fee incurred for transactions made in foreign currency | 2.5% of the transaction value |
|---|---|
| Overlimit Fee | $0 |
| Dishonour Fee | $0 |
| Additional Cardholder Fee Fee incurred for adding an additional cardholder to the account | $10 p.a. |
| Minimum Monthly Repayment The minimum repayment that must be paid by the payment due date to avoid incurring late fees. Interest will still be charged on the remaining amount owing. | Yes - see (i) for information The greater of: (i) 5% of the Daily Revolving Balance as at the end of the Statement Cycle excluding any amount by which your Account is in arrears); (ii) $100 or, if the Daily Revolving Balance as at the end of the Statement Cycle excluding any amount by which your Account is in arrears) is less than $100, that lesser amount; plus (b) any Instalment Plan Repayments due; plus (c) any amount by which your Account is in arrears (other than any Overlimit Amount); plus (d) any Overlimit Amount that exceeds the total of: (i) any Instalment Plan Repayments due; plus (ii) any amount by which your Account is in arrears (other than any Overlimit Amount). |
| International ATM Withdrawal Fee | $2.50 |
| Late Payment Fee Fee incurred if the minimum repayment is not paid by the due date | $20 |
| Cash Advance Fee | $3 or 3%, whichever is greater |
| Annual Fee An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. | $149 p.a. |
| Travel Insurance Terms, conditions, limits and exclusions may apply, check product site for details | Yes |
|---|---|
| Automatic Card Repayments | Yes Automatic payments from eligible ING accounts |
| Additional Extras | Yes Installment plan for purchases (9.99% p.a. variable) |
