When you apply for your credit card in the ING App or My ING, we will immediately assess the use of your Payment Account and check your details with the Credit Registration Office (BKR). More information on your Credit Card assesment. Are you not eligible for the desired spending limit, but would you still like a credit card? You can apply for a credit card with a lower credit limit, regardless of your income. You can transfer money to and from your credit card in real time to use it immediately for all your purchases. Once your financial situation allows, you can request to change your limit.
Application successful? You will receive your credit card and the associated PIN code at home within 5 working days of your application. For security reasons, we will send these to you in separate envelopes. After receipt, you activate your credit card in the ING App or My ING. You can then use your credit card immediately.
Find all the information you need to use your credit card in one place. This includes:
This can be easily done via the ING App or My ING. The deposit or withdrawal are processed instantly. Click the below link for more information.
"},"textLinks":[{"url":"/en/personal/payments/creditcards/deposit-and-withdraw","text":"Deposit and withdrawal positive balance"}]},{"title":"How does a credit card work?","richBody":{"value":"A credit card is a card for which you don't need to have money in your ING current account when you make a payment. The amount paid will first appear in your credit card balance. Your credit card payments are debited from your current account once a month. You pay an annual fixed fee. If all credit card payments are debited from your current account at once and you pay in euros, you won't pay additional credit card fees.
"}},{"title":"What does a credit card cost?","richBody":{"value":"Annual fixed fee
A credit card costs %{prijs.btp:ING_Creditcard_MC.Abfee_jaar.eur}% per year. A platinum card costs %{prijs.btp:ING_Platinumcard_MC.Abfee_jaar.eur}% per year. A student card costs %{prijs.btp:ING_Creditcard.Abfee_jaar.student.eur}% per year. You pay these fees in advance each year. If you cancel your credit card, you may be refunded part of this fee. If you have an ING payment package (Betaalpakket) or ING royal package (Royaalpakket), a credit card or platinum card is included in your package fee. All you need to do is apply.
On January 1st, 2026, the rate of the (first) Credit card will change. Learn more on ing.nl/changes-january-2026
Costs for Foreign Currency
Paying in euros is free in any country where the euro is used. For payments in foreign currency, a so-called 'exchange rate fee' applies. This means that the exchange rate is increased by 2.00% per transaction. For a Debit Card, the 'exchange rate fee' is 1.4%. With the Platinum Card, you pay 0% exchange rate surcharge for transactions up to €1,000 per monthly billing period, after which you pay 2.00% per transaction. This allows you to save up to €20 per month on exchange rate fees compared to other credit cards.
Cash Withdrawal Costs
If you want to withdraw cash with your Credit Card at an ATM, you pay 4% of the withdrawn amount with a minimum of €4.50 per withdrawal. If your withdrawal is in a currency other than the euro, an additional exchange rate surcharge applies. Cash withdrawals with the Platinum Card are part of the exemption you have on exchange rate fees up to €1,000 per monthly billing period.
"}},{"title":"What's the difference between a Credit card and a Platinum card?","richBody":{"value":"The main differences between the two credit cards are the spending limit, the exchange rate fee, and the insurances. With an ING credit card, the spending limit is up to €5,000, while with an ING Platinum Card, it is €20,000. Additionally, with the ING Platinum Card, you pay 0% exchange rate fee for transactions up to €1,000 per monthly billing period, after which you pay 2.00% per transaction. With the Credit Card, you pay a 2.00% exchange rate fee per transaction. Finally, with an ING platinum card, you receive extra insurances that are particularly useful when traveling.
Are you a student? Learn more about the ING Student Credit Card.
"}},{"title":"How does a spending limit work?","richBody":{"value":"A spending limit is the maximum amount of money you can spend with your credit card.
Sometimes you need a little extra credit. You can change your spending limit in My ING or by directly transferring money from your current account to your credit card. Avoid failed transactions and learn more about ways to increase your spending limit.
"}},{"title":"How do I apply for a credit card?","richBody":{"value":"You can apply in My ING - it's super quick and easy. During your application, we assess how your current account is used and perform a credit check at the Bureau Credit Registration (BKR). We may ask you to include proof of income in your application. The limit is calculated based on the applicant's income. If you have a joint account (En/Of Rekening), only the applicant's income is used to calculate the limit.
Your credit card and the corresponding PIN will then be delivered as soon as possible. For security reasons, these will come in separate envelopes.
To be eligible for a credit card, you must meet the following criteria:
If you're not eligible for the requested limit, you can still apply for a credit card with a lower credit limit. This way, you can still enjoy all the perks of a credit card. You can quickly and easily increase your spending limit by transferring money to your credit card in the ING App.
"}},{"title":"Will I get a BKR registration if I have a credit card?","richBody":{"value":"For "automatic monthly full payments", we debit your total outstanding credit card balance from your current account every month. Your credit card won't be registered as a loan at the Central Credit Registration Office (BKR), so your credit score won't be affected. You also won't be charged interest on your credit card payments.
Spread payments are considered a loan and will be registered with the BKR. That means you will have a BKR registration, affecting your credit score.
"}},{"title":"My balance is sufficient; why was my credit card application denied?","richBody":{"value":"There are several reasons why a credit card application is denied. If you get an error message, delete your cookies. Has your application been denied? Then you currently don't meet the criteria. To be eligible for an ING Credit Card, you must meet the following criteria:
You may still be eligible for a credit card with a lower credit limit. You can reload the balance by transferring money from your Payment account to your Credit card and start using it for purchases. Once your financial situation allows, you can request to change your limit.
For an ING Student Credit Card, you must meet the following criteria:
No, ICS Cardservice has nothing to do with your ING credit card. Do not share your information. You've probably received a phishing e-mail. Please forward this e-mail to valse-email@ing.nl. Learn how to recognise fraud.
"}},{"title":"Where can I find my credit card details?","richBody":{"value":"You'll find card details like the card number, expiration date and CVC code on your credit card. You won't find these details in My ING or the ING App. For security reasons, we cannot share them over the phone or chat either. The card number is the 16-digit number on the front of the card. The expiry date is also on the front of the card under ‘valid thru’ and consists of the month and the year (for example: 12/29). The CVC is the 3-digit number on the back of the card.
"}},{"title":"How do I link my credit card to a joint account instead of my personal account?","richBody":{"value":"To set your credit card to a joint account instead of your private account, you will need to cancel your old credit card and apply for a new one linked to the desired joint account. Unfortunately, it's not possible to change the direct debit account of an existing credit card.
"}},{"title":"Why can't I pay contactless with my credit card?","richBody":{"value":"Before you can pay contactless, you must first activate your credit card in My ING or the ING App. If the credit card is new, you must first make a transaction using your PIN before you can use the card to pay contactless.
Finally, check if the contactless payments logo is on the card. If it's not there, the credit card is incompatible with contactless payments and you can have it replaced for free.
"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/306c8c9a-f1a1-4643-b250-828566db8703/Functionalities-Contactless_Filledin","original":"https://assets.ing.com/m/7a7fe4b6cdba2b38/original/Functionalities-Contactless_Filledin.svg","extension":"svg"}},{"title":"How do I cancel a pending credit card transaction?","richBody":{"value":"To cancel a pending transaction, please contact the company in question. Only they can request to cancel a pending transaction.
The company must then send an e-mail to ing.nl.consumer.card@ing.nl that includes the following:
We will then revoke the authorisation will be revoked within 1 business day of receiving this email. Good to know: a company must always process a reservation within 21 days.
"}},{"title":"How do I stop an automatic charge on my credit card?","richBody":{"value":"Contact the company to stop the automatic debit. If you have unknowingly entered into a subscription and amounts are being debited from your credit card, you can also use the Credit card refund service for this. Please note: using this service does not result in the termination of a possible subscription.
"}},{"title":"Why is my new credit card not working?","richBody":{"value":"If you have received a (new) ING credit card, you must first activate it in order to use it. You activate your credit card within 1 minute in the ING App or via My ING.
"}},{"title":"When will I receive my new credit card?","richBody":{"value":"If you applied for a new credit card yourself, you will receive it within 5 working days. If you are also expecting a new PIN, you will receive this separately. If you have been waiting longer, check your address in My ING or in the ING App. Adjust it if necessary and reapply. Is your address correct and have you been waiting longer? Then ask in a chat for an employee to help you further.
Will your current Credit Card expire soon? You will automatically receive a new Credit Card from us by post no later than 14 days before your credit card expires. The Credit Card expires on the last day of the expiration month as indicated on the Credit Card.
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