ING's credit cards are Mastercard credit cards. A credit card costs €24,00 per year. A Platinumcard costs €52.20 a year. A Platinumcard is also from Mastercard, it has more benefits and a higher spending limit. We also have a Mastercard for Students, a Student Creditcard costs €14.40 per year. You pay the cost of your credit card every year in advance. Should you cancel mid-term, you will get a part of these costs back. Paying in euros is free in a country where the euro is valid.
"},"textLinks":[{"url":"https://assets.ing.com/m/1597ffe0420b23da/original/Credit-Card-terms-and-conditions.pdf","text":"Credit card terms and conditions 2024"}]},{"componentType":"sectionTitle","title":"How can I apply for a Mastercard?"},{"componentType":"paragraph","richBody":{"value":"You can apply in the ING App and My ING and it takes no time at all. During your application, we assess the use of your Payment Account and check your details with BKR. The spending limit is assessed on the basis of the applicant's income. Even in the case of an and/or account, we only take the applicant's income into account when assessing the spending limit.
Requirements: 18 years or older, an ING Payment Account and an income of at least €1,000 per month on your ING Payment Account.
"}},{"componentType":"paragraph","richBody":{"value":"
Payments using your Credit Card are debited once a month from your ING Payment Account. This happens in the first week of the month. You can find the exact dates here.
"}},{"title":"How does Purchase Protection Insurance work?","richBody":{"value":"With the Purchase Insurance, you are insured for 365 days against theft, loss, and damage of items paid for with the Credit Card. A deductible of €50 applies per insured event. The insurance only covers purchases intended for private use and not for business use.
You fill in the claim form and send it back signed to Allianz (the Insurer). Also, include the police report, the proof of declaration, the receipt(s) of the purchased items, and the account statement showing the purchase with the claim form. This allows the insurer to see the amount of the damage.
Read more about insurance cover and compensation in the credit card and platinum card policy terms and conditions.
In the event of theft:
In the event of loss:
In the event of loss in the Netherlands:
In the event of loss abroad:
Did something go wrong with a credit card purchase or cash withdrawal? With the refund service (GeldTerugService), you can easily request a refund of your credit card payment.
A refund of a payment made with your Credit Card can only be requested if:
Always try to come to a solution with the seller first. Can't work it out together or is the seller unreachable? Then you can use the Refund Service. We will ask for proof that you have contacted the seller.
"},"textLinks":[{"url":"/particulier/betalen/creditcards/geldterugservice","text":"Credit card payment refund"}]},{"title":"Is paying online by credit card safe?","richBody":{"value":"Paying online by Credit Card is just as secure as iDeal or direct debit. Additional checks are even made via the MasterCard Securecode. In case of irregular payments, a payment may be stopped and we will contact you. In addition, you will increasingly be asked to confirm your payment with your ING App or the ING scanner.
In case of misuse of your credit card such as fraud, loss or theft, we will reimburse you in full if there is no fraud, intent and gross negligence on your part.
"}},{"title":"Are ING's credit cards from Mastercard or VISA?","richBody":{"value":"ING's credit cards are Mastercard credit cards. You can pay at more than 35 million addresses worldwide, anywhere you see the Mastercard logo.
"}},{"title":"How can I get my current Credit Card converted to a Platinum Card?","richBody":{"value":"You can change your current credit card to a Platinum card by calling 020 22 888 88.
"}},{"title":"What should I do in case of loss, theft or misuse?","richBody":{"value":"Have you lost your credit card or has it been stolen? Immediately block your credit card via the ING App or through My ING to prevent any damage. You can unblock your credit card at any time, or replace it if you can’t find it. Having trouble blocking your credit card? Contact our chat service — we’re happy to help.
Suspect misuse of your credit card? Call the ING Emergency Line right away: +31 (0)20 222 88 00. We’re available 24 hours a day, 7 days a week. We’ll block your credit card immediately. You’ll receive a new credit card within 6 working days after the block.
"}},{"title":"With an ING Joint account, can my partner and I both get credit cards?","richBody":{"value":"With a Joint account, you can apply for up to two additional credit cards. All spending with the additional credit card(s) falls under the spending limit of your current credit card.
"}}]},{"componentType":"linkList","iconTitle":{"title":"Payments"},"textLinks":[{"url":"/en/personal/payments/bank-accounts","text":"Bank accounts"},{"url":"/en/personal/payments/pay-with-your-phone","text":"Mobile payments"},{"url":"/en/personal/payments/money-transfers","text":"Transfer money"},{"url":"/en/personal/payments/creditcards","text":"Credit cards"},{"url":"/en/personal/payments/debit-cards","text":"Debit cards"},{"url":"/en/personal/payments/cash","text":"Cash"},{"url":"/en/personal/payments/payments-abroad","text":"Payments abroad"},{"url":"/en/personal/payments/switch-to-ing","text":"Switch from your current bank to ING"},{"url":"/en/personal/payments/rates","text":"Payment product rates overview"},{"url":"/particulier/betalen/bankrekeningen/pakketvergelijken","text":"Compare packages"}]},{"componentType":"linkList","iconTitle":{"title":"More information"}}]}}}