A credit card is a debit card that does not require you to have the money available in your ING current account at the time of payment.
"}},{"componentType":"sectionTitle","title":"How does a credit card work?"},{"componentType":"paragraph","richBody":{"value":"With a credit card, you can pay without your current account being charged. That means you don't have to have money in your current account when you pay with your credit card. After you make a payment, your credit card is charged first. Your total credit card payments are then debited from your current account each month.
"}},{"componentType":"sectionTitle","title":"Credit card features"},{"componentType":"paragraph","richBody":{"value":"A credit card costs %{prijs.btp:ING_Creditcard_MC.Abfee_jaar.eur}% per year. You’ll pay this fee every year in advance. If you cancel in the meantime, you'll be partially refunded.
"}},{"componentType":"paragraph","title":"The fixed fee includes:","richBody":{"value":"Paying in currencies other than the euro
If you use your credit card to make a purchase in a foreign currency, you'll pay a 'mark-up'. This means that the exchange rate will be increased by %{prijs.btp:creditcards_nieteuro.koersopslag.standaard.perc}% per transaction.
Cash withdrawals
If you withdraw cash using your credit card, you'll pay 4% of the total withdrawn amount with a minimum of €4.50 per withdrawal. If you withdraw money in a currency other than the euro, you'll also pay a %{prijs.btp:creditcards_nieteuro.koersopslag.standaard.perc}% mark-up per withdrawal. If you withdraw cash abroad at a local bank instead of an ATM, you'll pay 4% of the total withdrawn amount, with a minimum of €4.50 per withdrawal. You'll also pay a 2% mark-up if you withdraw money in a currency other than the euro. Depending on your card limit, you can withdraw up to €400 per day.
Overdraft due to direct debit
Each month, your total credit card payments are debited from your current account. That's why you won't pay any interest on your credit card payments. If you have insufficient balance when your account is debited, you'll go into overdraft. Please make sure to have sufficient balance!
These rates apply to credit card payments as of 1 March 2020 and may be subject to changes.
"}},{"componentType":"sectionTitle","title":"How do I apply for a credit card?"},{"componentType":"paragraph","title":"What you'll need","richBody":{"value":"During your application in the ING App or My ING, we’ll assess the use of your ING current account and perform a credit check with the Central Credit Registration Office (BKR).
If you are not eligible for a credit card with a limit of at least €1,000, we can offer you a temporary credit card without a credit limit. You can easily increase the spending limit by transferring money to your credit card and you are good to go.
With your permission, we will perform a monthly reassessment for up to 12 months. If you later become eligible for your requested limit or a lower credit limit of at least €1,000, we will automatically adjust this for you. You can also request a limit adjustment at any time yourself, for example via the ING App or Mijn ING, if your financial situation changes.
If your application has been approved, we’ll send your credit card and PIN to your address as soon as possible. For security reasons, we’ll send them in separate envelopes.
After you've received your card, you can activate it in My ING. You can use it immediately afterwards.
"}},{"componentType":"paragraph","title":"Using your credit card","richBody":{"value":"In shops, a credit card works the same as your debit card. Use contactless payments to quickly and easily pay for small purchases. When you've reached your card limit or are making a larger purchase, you'll be prompted for your PIN – it's a security thing.
For online purchases, simply enter your credit card number and the Card Validation Code (CVC). You'll often be asked to confirm the payment using the ING App or ING scanner. That way, we can be sure you're the one authorising this payment.
Each month, your total credit card payments are debited from your current account. That's why you won't pay any interest on your credit card payments. Please make sure to have sufficient balance on the due date to prevent overdraft.
"}},{"componentType":"paragraph","title":"Will I be registered with the Central Credit Registration Office BKR if I have a credit card?","richBody":{"value":"No, you won't. That's because we debit your total outstanding credit card payments from your current account each month. As such, your credit card won't be registered as a loan at the Central Credit Registration Office (BKR), and your credit score won't be affected. And because the Central Credit Registration Office doesn't consider your credit card a loan, you won't pay any interest on your credit card payments. Please make sure to have sufficient balance on the payment due date to prevent overdraft.
If your credit card is lost, stolen or used to commit fraud, immediately report it to us and the police. You'll then be fully refunded if there was no intent, fraud or gross negligence on your end. We'll also compensate you for any damages you've suffered before you reported the loss, theft or fraud.
Do you have an iPhone, iPad, Apple Watch or Mac? Then you can use Apple Pay to pay with your credit card. This makes paying online or in shops a breeze! Learn how to add your credit card to your Apple Wallet.
If you have an Android™ phone, you can use Google Pay to pay with your credit card – one less card in your wallet! See how to add your credit card to your Google Wallet.
"},"textLinks":[{"url":"/en/personal/payments/google-pay/credit-card","text":"Google Pay for credit cards"}]},{"componentType":"sectionTitle","title":"Earn Points with your credit card?"},{"componentType":"paragraph","richBody":{"value":"At ING you can earn Points in different ways. With these Points you can then get big discounts on a large number of items in the ING store, such as cinema tickets, suitcases or electronics. With the credit card there are a number of ways to earn Points:
| Request a credit card | 1.000 ING Points |
| Request an extra credit card | 1.000 ING Points |
| Spend more than € 100 per month with your credit card | 100 ING Points a month |
| Add credit card to your wallet | 100 ING Points |
Mastercard! You can use your credit card to pay around the world at over 35 million places. If you see the Mastercard logo, you can pay with your credit card.
"}},{"title":"When is the due date for credit card payments?","richBody":{"value":"Your ING current account is charged for the total credit card payments in the first week of each month. Find the exact due dates here.
"}},{"title":"Can I change my credit card limit?","richBody":{"value":"In most cases, the answer is yes. The minimum credit card limit is €1.000 and the maximum is €5.000. You can increase or decrease your limit by increments of €500.
Here's how to change your credit card limit:
If you are not eligible for a credit card with a limit of at least €1,000, we can offer you a temporary credit card without a credit limit. You can easily increase the spending limit by transferring money to your credit card and you are good to go. With your permission, we will perform a monthly reassessment for up to 12 months. During this reassessment, we look at:
If you later become eligible for your requested limit or a lower limit of at least €1,000, we will automatically adjust this for you. You can also request a limit adjustment at any time yourself, for example via the ING App or Mijn ING, if your financial situation changes.
"}},{"title":"I have a joint account with my partner – can the both of us get a credit card?","richBody":{"value":"Yes! You can request up to 2 additional credit cards. All purchases made with the additional card will fall under your current credit card limit.
"}},{"title":"Can I pay my credit card early?","richBody":{"value":"Yes! You can do so in your credit card overview in the ING App. Read more about extra payments with your credit card or withdraw a positive balance
"},"textLinks":[{"url":"/en/personal/payments/creditcards/deposit-and-withdraw","text":"All about repayments"}]},{"title":"How do I cancel my Credit card, Platinum card or Student Credit card?","richBody":{"value":"There are 3 ways to cancel: in the ING App, My ING or by calling us at 020 22 888 88.
"},"textLinks":[{"url":"https://mijn.ing.nl/banking/content/personal/payments-and-creditcards/cancel-your-credit-card","text":"Cancel credit card in My ING"}]},{"title":"How do I make a credit card insurance claim?","richBody":{"value":"Download the claim form on ING.nl.
Or request the claim form from Allianz. You can do this by:
You will then receive a claim form.
Fill in the claim form and send it signed, including the requested evidence as described in the policy conditions, to Allianz. Within 10 working days after Allianz has received the form from you, you will receive a message from Allianz about your claim.
The conditions provide more information about the coverage, compensation, and validity of the insurances.
"},"textLinks":[{"url":"https://assets.ing.com/m/3f24811fc840e01c/original/Credit-and-Platinum-insurance-Policy-2025.pdf","text":"Credit card and Platinum card insurance policy 2025"}]},{"title":"How do I make a purchase protection claim?","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:
With our refund service, you can easily dispute a credit card charge and get refunded.
You can only dispute a charge if:
You should always try to find a solution together with your seller first. If you can't work something out or can't reach them, you can make use of our refund service. We'll need proof you've contacted the seller.
"},"textLinks":[{"url":"/en/personal/payments/creditcards/refund-service","text":"Request credit card refund"}]},{"title":"Is it safe to pay online with my credit card?","richBody":{"value":"Yes! It's just as safe as using iDEAL or automatic direct debit. Your credit card even has an additional security measure: verification by MasterCard ID Check. You'll also be often asked to confirm your payment with your ING App or ING scanner. We can cancel any suspicious charges and will contact you if something seems off.
In case of fraud, loss or theft, we’ll fully compensate you if there is no fraud, intent and gross negligence on your end.
"}},{"title":"How do I upgrade my credit card to a platinum card?","richBody":{"value":"Would you like to upgrade your credit card to a platinum card? You can easily arrange this online via My ING. Detailed information on how this works can be found on our information page: Upgrade or change your credit card.
"}},{"title":"What do I do if the card holder passes away?","richBody":{"value":"Find everything you need to know when the card holder has passed away.
After the death has been reported, we'll cancel the (student) credit card and any other cards. Any outstanding balance will be debited from the current account. If the holder of an additional credit card passes away, we'll only cancel their credit card.
"}},{"title":"What do I do if my credit card gets lost, stolen or used to commit fraud?","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":"Can I switch contactless payment on and/or off with my credit card?","richBody":{"value":"You can pay contactless with all ING Credit Cards. With a new credit card, you must make the first payment by entering the PIN before contactless payments are activated. You cannot disable contactless payments on your credit card. In the event of misuse by third parties, we almost always give a reimbursement.
"}}]},{"componentType":"feature","featureName":"survey-starter?surveyName=81f8ed63-758e-4098-8f9f-33a762010c0e&withCard=True"},{"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"}]}]}}}