The ING Credit Card Max is our most premium credit card. It makes travelling a real pleasure, with benefits including comprehensive travel insurance for your whole family and access to airport lounges and fast-track services. The ING Credit Card Max is also the most cost-effective card for making payments in foreign currencies. What more could you ask for!
The ING Credit Card Max is available exclusively as part of the package ING Max.
"}},{"componentType":"sectionTitle","title":"Giving it our best"},{"componentType":"paragraph","richBody":{"value":"On top of all the benefits of the ING Creditcard Extra, you can expect much more from our most premium credit card.
"}},{"actionAccordionList":[{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/bf4de7a8-f05a-4004-a26a-9a60566acaf5/Location-World_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/bf4de7a8-f05a-4004-a26a-9a60566acaf5/Location-World_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"The best way to pay in other currencies
"}}],"componentType":"actionAccordion"},{"actionAccordionList":[{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/17b92e7d-729e-4c9f-9b4c-37052f6a6eec/Insurance-Suitcase_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/17b92e7d-729e-4c9f-9b4c-37052f6a6eec/Insurance-Suitcase_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"4 free Fast Track passes per year
Faster passage through security and/or passport control
Discounts at selected airport restaurants
Easy to use via the Priority Pass app
Faster through airport security and extra premium benefits
"}}],"componentType":"actionAccordion"},{"actionAccordionList":[{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/72c5f085-12a5-4f56-a3f1-2b6085fcacb9/Insurance-Estate_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/72c5f085-12a5-4f56-a3f1-2b6085fcacb9/Insurance-Estate_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Access to lounges and airport services worldwide
"}}],"componentType":"actionAccordion"},{"actionAccordionList":[{"icon":{"altTextEN":"bank account with insurance","altTextFR":"compte bancaire avec assurances","altTextNL":"zichtrekening met verzekering","extension":"svg","original":"https://assets.ing.com/asset/2f6736b7-8c7c-45c8-92de-d2f9861ddd89/Products-Umbrella_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/2f6736b7-8c7c-45c8-92de-d2f9861ddd89/Products-Umbrella_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Comprehensive travel and cancellation insurance
Coverage for medical expenses, cancellation and delays, amongst other things
Excess waiver for car hire up to €3,000
Protection against loss and theft when withdrawing cash (ATM theft protection)
Extensive coverage for you and your family:
"}}],"componentType":"actionAccordion"},{"actionAccordionList":[{"icon":{"altTextEN":"bank account","altTextFR":"compte bancaire","altTextNL":"zichtrekening","extension":"svg","original":"https://assets.ing.com/asset/9c7816b4-3aa6-4146-bd0a-9875486d8f7a/Products-Wallet_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/9c7816b4-3aa6-4146-bd0a-9875486d8f7a/Products-Wallet_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"A metal credit card: solid and unique
"}}],"componentType":"actionAccordion"},{"componentType":"cta","textLink":{"text":"Request a credit card","url":"https://mijn.ing.nl/banking/mobile/creditcards/apply-creditcard?flow-step=intro-page&EW=true"}},{"cards":[{"cardSize":"medium","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/5591257d-49d2-4baf-8cdf-eb92be686fd0/A-young-woman-with-arm-tattoos-sits-at-her-desk-in-the-sunlight.jpg","transformBaseUrl":"https://assets.ing.com/transform/5591257d-49d2-4baf-8cdf-eb92be686fd0/A-young-woman-with-arm-tattoos-sits-at-her-desk-in-the-sunlight","type":"image","width":1920},"intro":"Welke creditcard het beste bij je past hangt onder andere af van je gewenste bestedingslimiet en of je veel reist.","link":{"url":"/particulier/betalen/creditcards"},"title":"Creditcards vergelijken?"},{"cardSize":"medium","cardType":"product","componentType":"productCard","image":{"extension":"webp","original":"https://assets.ing.com/asset/b93eeb92-8210-47f9-9f86-8a1cdeacd2ef/girl-listens-to-music-from-her-phone-via-headphones.webp","transformBaseUrl":"https://assets.ing.com/transform/b93eeb92-8210-47f9-9f86-8a1cdeacd2ef/girl-listens-to-music-from-her-phone-via-headphones","type":"image","width":1200},"intro":"Wil je limiet wijzigen? Je pincode opvragen? Of je afschrift bekijken? De meeste dingen kun je zelf regelen.","link":{"url":"/particulier/betalen/creditcards/mijn-creditcard"},"title":"Zelf regelen"}],"componentType":"cards"},{"body":"Did you know that our credit cards are also included in the plans ING More, ING Extra and ING Max? Great value for money.","componentType":"promotionalBanner","date":{},"icon":{"extension":"svg","original":"https://assets.ing.com/asset/90df153a-900d-4475-b342-bf4749cd437b/Circle-Subscriptions.svg","transformBaseUrl":"https://assets.ing.com/transform/90df153a-900d-4475-b342-bf4749cd437b/Circle-Subscriptions","type":"image","width":64},"textLink":{"text":"Check out the new plans","url":"/en/personal/plans/new-plans"}},{"componentType":"sectionTitle","title":"Frequently asked questions about credit cards"},{"accordionList":[{"richBody":{"value":"Yes, you can easily add your credit card to the Apple Pay and Google Pay wallets. That way, you can pay with your mobile wherever you like.
"},"textLinks":[{"text":"Add a credit card to Apple Pay Wallet","url":"/en/personal/payments/apple-pay/credit-card"},{"text":"Add a credit card to Google Pay Wallet","url":"/en/personal/payments/google-pay/credit-card"}],"title":"Can I use Apple Pay or Google Pay to pay with my credit card?"},{"richBody":{"value":"Paying online by credit card is just as secure as iDeal or direct debit. There is even an additional security check via the Mastercard ID check. In the event of irregular payments, a transaction may be blocked and we will contact you. In addition, you will increasingly be asked to confirm your payment using the ING App or the ING scanner.
If something does go wrong, you can try to get your money back via your credit card’s GeldTerugService. This is possible in the event of fraud, loss or theft, provided there was no negligence on your part. Please report this to us immediately upon discovery and then report it to the police. We will try to recover the amount for you.
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The fees depend on the type of credit card you have and can be found via the link below. Here are a few key points to note:
Paying in currencies other than the euro (the exchange rate surcharge)
Paying by credit card in euros is free in countries where the euro is the currency. However, if you wish to pay with your credit card in a foreign currency, you will be charged a so-called ‘exchange rate surcharge’ with the ING Credit Card More and ING Credit Card Extra (from €1,000). This means that the exchange rate is increased by 2.00% per transaction. With the ING Credit Card Max, payments in other currencies are made without an exchange rate surcharge.
Withdrawing cash with a credit card?
If you wish to withdraw cash from an ATM using your credit card, you will be charged 4% of the amount withdrawn, with a minimum of €4.50 per withdrawal. If your withdrawal is in a currency other than the euro, you will also be charged an additional exchange rate surcharge of 2.00% per withdrawal. If you withdraw money abroad at a bank branch instead of an ATM, you will be charged 4% of the amount withdrawn, with a minimum of €4.50 per withdrawal, plus a 2% exchange rate surcharge if the withdrawal is in a currency other than the euro.
You do not pay interest on your credit card payments
Expenditure made with your credit card is debited from your current account in a single monthly instalment. If this monthly debit causes your account to go into the red, you will pay interest on this overdraft. Avoid going into the red by ensuring you have sufficient funds in your account at the time of the debit.
Your credit card details, such as the card number, expiry date and CVC code, can be found on your credit card. These details are not available in My ING or the ING App. For security reasons, we are also unable to provide them over the phone or via chat. 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 year (for example: 12/29). The CVC is the 3-digit number on the back of the card.
"},"title":"Where can I check my credit card details?"},{"richBody":{"value":"With the Creditcard More, Creditcard Extra and Creditcard Max
Additional cover with the Credit Card Extra and Credit Card Max
Would you like to report damage to one of the insurances? Please continue reading the ‘Frequently Asked Questions’.
"},"title":"What is covered by my credit card?"},{"richBody":{"value":"First, check which insurance policies are included with your credit card and whether you are eligible for compensation by reading the policy terms and conditions. Have you paid with your credit card and suffered a loss or damage? Email the completed claim form (see below) and the required supporting documents to ing.claims.nl@allianz.com. Or contact us by telephone on 020 592 98 90.
With the Credit Card More and the Credit Card Extra
Additional cover with the Credit Card Extra and Credit Card Max
Have you lost your credit card or has it been stolen? Block your credit card straight away via the ING App or via My ING to prevent any unauthorised use. You can unblock, your credit card at any time, or request a replacement if you can’t find it. Having trouble blocking your credit card? Please contact us via our chat service; we’ll be happy to help.
Do you suspect your credit card has been misused? Please contact our Alarmline immediately. You can contact our Alarmline via chat on weekdays from 8.30 am to 5.00 pm. In addition, the Alarmline can be reached by telephone 24 hours a day, 7 days a week on 020 22 888 00. We will block your credit card immediately. You will receive a new credit card within 6 working days of the block. Please also check whether you are eligible for the GeldTerugService.
Emergency Cash
Are you abroad and has your credit card been stolen? Don’t worry. With Emergency Cash, you can still withdraw up to €4,000 in cash as a cardholder.
The following terms and conditions apply to your credit card.
"},"textLinks":[{"text":"Terms and conditions credit cards"},{"text":"Credit card terms and conditions 2024","url":"https://assets.ing.com/m/1597ffe0420b23da/original/Credit-Card-terms-and-conditions.pdf"}],"title":"What are the terms and conditions of my credit card"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Apply, change or cancel"},{"accordionList":[{"richBody":{"value":"To apply for a credit card, you will need:
During the application process, we will immediately assess your current account usage and check your details with the Credit Registration Office (BKR). Has your application been approved? You will then receive your PIN within 4 working days and your credit card within 5 working days. For security reasons, we send these in separate envelopes. Once received, you can activate your credit card in the ING App or My ING and start using it straight away.
Please note: It is not possible to apply for the credit card as a priority.
"},"textLinks":[{"text":"View the credit card policy conditions here"}],"title":"How can I apply for a credit card?"},{"richBody":{"value":"
Are you getting an error message whilst applying?
First, try clearing your cookies and browser history, then start the application again.
Has your application been rejected?
If so, you probably do not currently meet one or more of the requirements (additional conditions apply to the ING Student Credit Card More). To apply for an ING credit card, you must meet the following criteria:
A temporary credit card
If you are not eligible for a credit card with a limit of at least €1,000, we can offer a temporary credit card with no spending limit as an alternative. You can use the temporary credit card by adding funds yourself
No, we deduct the outstanding amount on your credit card in full from your current account every month. Your credit card is therefore not registered as a loan with BKR. This means you do not pay any interest on your credit card payments. Avoid going into the red and ensure you have sufficient funds in your account at the time of the direct debit.
"},"textLinks":[{"text":"BKR-registration","url":"/en/personal/loans/information-about-borrowing/bkr"}],"title":"Will you be listed on the BKR if you get a credit card?"},{"richBody":{"value":"If you have received a (new) credit card, you must first activate it before you can use it. You can activate your credit card in under a minute via the ING App or via My ING. To use contactless payments, you must first make a transaction using your PIN before contactless payments will work.
"},"title":"How do I activate my new credit card?"},{"richBody":{"value":"Adjust your credit limit or transfer funds
In most cases, you can lower or increase your credit card spending limit at a later date. We assess the request immediately. We do this by, among other things, checking your details with the Bureau Krediet Registratie (BKR). You can also transfer money from your current account to your credit card yourself. The amount is available on your credit card immediately and will appear straight away on your credit card statement.
Depositing money yourself or making early repayments
Would you like to repay the outstanding amount on your credit card before the direct debit date, increase your spending limit, or withdraw a positive balance? You can do this very easily via the ING App or My ING.
"},"textLinks":[{"text":"Adjust spending limit","url":"/en/personal/payments/creditcards/increase-card-limit"},{"text":"Make additional payments or repay early","url":"/en/personal/payments/creditcards/deposit-and-withdraw"}],"title":"How to adjust spending limit, transfer funds or make an early repayment?"},{"richBody":{"value":"You can apply for up to two additional credit cards with a joint current account. All spending made with the additional credit card(s) counts towards the spending limit on your current credit card.
"},"textLinks":[{"text":"Applying for an additional credit card","url":"/en/personal/payments/creditcards/additional-credit-card"}],"title":"Can I apply for an additional credit card for someone else?"},{"richBody":{"value":"There are three ways to cancel your credit card: via the ING App, via My ING (online banking) and, if that doesn’t work, by calling 020 22 888 88.
"},"textLinks":[{"text":"Cancel my credit card","url":"/en/personal/payments/creditcards/cancel-credit-card"}],"title":"How do I cancel my credit card?"},{"richBody":{"value":"To cancel an outstanding reservation, you must contact the relevant company. Only they can submit a cancellation request.
The company can send an email to ing.nl.consumer.card@ing.nl containing the following details:
Upon receipt of the email, the authorisation will be cancelled within 1 working day. Please note that a company must always process a reservation within 21 days.
"},"title":"How do I cancel an outstanding booking on my credit card?"},{"richBody":{"value":"Please contact the company to cancel the direct debit. If you have unwittingly taken out a subscription and amounts are being debited from your credit card, you can also use the GeldTerugService for this. Please note: using this service will not cancel any subscription.
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