An ING Platinum card is a credit card with a higher limit. Just like with a credit card, you don't need to have money in your ING current account (Betaalrekening) when you pay with your Platinum card. When you make a purchase, your Platinum card is charged first. Your credit card payment is then collected from your current account once a month. You’ll pay an annual fee. It doesn’t cost anything extra to pay with a Platinum card when paying in euros.
"}},{"componentType":"cards"},{"componentType":"paragraph","title":"Platinum card features","richBody":{"value":"A Platinum card costs %{prijs.btp:ING_Platinumcard_MC.Abfee_jaar.eur}% per year. You’ll pay this fee at the start of your annual billing cycle. If you cancel during the year, you'll be partially refunded.
"}},{"componentType":"paragraph","title":"The fee includes:"},{"componentType":"paragraph","title":"What costs extra?","richBody":{"value":"If you use your Platinum 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 You also pay a mark-up when using your debit card, but it’s 1.4%.
If you withdraw cash using your Platinum card, you'll pay 4% of the total withdrawn amount with a minimum of € 4.50 per withdrawal.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 %{prijs.btp:creditcards_nieteuro.koersopslag.standaard.perc}% mark-up per withdrawal. The additional charges are the same if you withdraw cash abroad at a local bank instead of an ATM, but they might charge their own service fees on top of that. Depending on your card limit, you can withdraw up to € 1,000 per day.
If you have insufficient balance when your current account is debited, you'll go into overdraft. Make sure to have sufficient balance!
These rates apply to credit card payments as of 1 March 2020 and may be subject to change.
"}},{"componentType":"sectionTitle","title":"How do I apply for a Platinum card?"},{"componentType":"paragraph","title":"Here's what you need","richBody":{"value":"An ING current account. Apply for an ING current account.
A monthly income of at least €1,000, deposited into your current account
To be at least 18 years old
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 Platinum card with a limit of at least €1,000, we can offer you a temporary Platinum card without a credit limit. You can easily increase the spending limit by transferring money to your Platinum 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.
Once your application has been approved, we’ll send your Platinum 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 Platinum card, you can activate it in My ING and start using it straight away.
"}},{"componentType":"sectionTitle","title":"Using your Platinum card"},{"componentType":"paragraph","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 payment is collected from your current account. As such, your Platinum card won't be registered as a loan at the Central Credit Registration Office (BKR). That's why you won't pay any interest on your credit card payments. Make sure you have enough money in your current account on the payment due date so you don’t have to pay overdraft interest.
"}},{"componentType":"paragraph","title":"Will I be registered with the Central Credit Registration Office (BKR) if I have a Platinum card?","richBody":{"value":"We collect your total Platinum card payment from your current account each month. As such, your Platinum card won't be registered as a loan at the Central Credit Registration Office (BKR). That’s why 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 Platinum card is lost, stolen or used to commit fraud, immediately report that 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 Platinum card – one less card in your wallet! See how to add your Platinum card to your Google Wallet.
"},"textLinks":[{"url":"/en/personal/payments/google-pay/credit-card","text":"Google Pay for Platinum cards"}]},{"componentType":"sectionTitle","title":"Earn Points with your Platinum card"},{"componentType":"paragraph","richBody":{"value":"At ING, there are different ways to earn Points that you can spend to get large discounts in the ING Shop. There are a couple of ways to earn Points with your Platinum card:
| Way to earn Points | Points |
|---|---|
| Request Platinum card | 2,000 |
| Request extra Platinum card | 2,500 |
| Spend more than € 100 a month on Platinum card transactions | 250 per month |
Please note: to earn Points, you'll need an ING savings account linked to the ING current account that's used for your Platinum card.
"}},{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/mobile/creditcards/apply-creditcard?flow-step=intro-page&EW=true","text":"Apply for a Platinum card in My ING now"}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"What is a temporary Platinum card without a spending limit","richBody":{"value":"If you are not eligible for a Platinum card with a limit of at least €1,000, we can offer you a temporary Platinum card without a credit limit. You can easily increase the spending limit by transferring money to your Platinum 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":"When is the due date for Platinum card payments?","richBody":{"value":"Your Platinum card payment will be collected from your ING current account in the first week of each month. Find the exact due dates here.
"}},{"title":"How do I make a Platinum card insurance claim?","richBody":{"value":"Want to use the insurance on your Platinum card?
Please contact Allianz at ing.claims.nl@allianz.com or call 020-592 98 90. They will then send you a claim form.
Please fill in the claim form and send it back to Allianz, including any signed documents they may need.
Allianz will get back to you about your claim within 10 business days after receiving the form.
Please note: For global assistance, always call the Hotline: 0031-(0)20 592 92 92.
Learn more about coverage, compensation and applicability in the insurance terms and conditions.
"},"textLinks":[{"url":"https://assets.ing.com/m/1361cf4eb173ed9f/original/Formulier-aankoopverzekering.pdf","text":"Form purchase insurance"},{"url":"https://assets.ing.com/m/7325c9753f7bad37/original/Schade-melden-autohuur.pdf","text":"Form car rental insurance"},{"url":"https://assets.ing.com/m/3cd4029173bad1ab/original/Bagage-vluchtvertragings-hulpverleningsverzekering-en-diefstal-geldopname.pdf","text":"Form luggage-, flight- and medical assistance insurance Platinum card"},{"url":"https://assets.ing.com/m/3cd4029173bad1ab/original/Bagage-vluchtvertragings-hulpverleningsverzekering-en-diefstal-geldopname.pdf","text":"Form report ATM mugging"},{"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 does purchase protection (Aankoopverzekering) work?","richBody":{"value":"With the Purchase Insurance, you are insured for 365 days against theft, loss, and damage of items paid for with the Platinum Card. A deductible of € 50 applies per insured event. The insurance only covers purchases intended for private use and not for business use.
Click here for the Aankoopverzekering claim form. You fill out the 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.
This insurance pays out compensation for buying necessities if your checked-in baggage is delayed by at least four hours and the delay was caused by the transport company. Compensation is only given if these purchases are made within two days after you arrive at your destination. You’ll need to prove that you made the purchases, such as with receipts.
For example: you’ve just landed at the airport in Bangkok. But four hours later your baggage still hasn’t arrived. You can then file a claim for the cost of clothing and toiletries that you need to buy.
You’ll be reimbursed for the cost of necessary items for everyone covered by the policy together, up to:
This insurance pays out compensation for the extra expenses that you incur because of a delayed flight. This applies if the airline cancels or delays the flight, you don’t have a seat on a flight because it’s overbooked, you miss your flight because of a public transport or taxi delay of more than an hour or if you miss your flight because your prior flight was delayed. The flight must be delayed by at least four hours.
You’ll be reimbursed for the expenses for everyone covered by the policy together, up to € 250.
"},"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 does global assistance (Hulpverleningsverzekering) work?","richBody":{"value":"You’ll get reimbursed for the cost of assistance from the hotline in several situations abroad. You can reach the hotline by calling 0031 (0)20 592 92 92. Some of the situations covered:
Read the terms and conditions for more information about the cover, compensation and applicability of this insurance.
"},"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 does the cover on the car hire excess work?","richBody":{"value":"If you rent a car and have it insured, you’ll often still have to pay a policy excess if the car gets damaged. If you rent a car with your Platinum card, you’ll be reimbursed for up to € 1,500 of the excess stated in the rental agreement (or the amount of the claim if lower).
Suppose that you use your Platinum card to withdraw cash at an ATM and you’re robbed of that money within four hours. If you report the theft to the police, provide the report to us and can prove with your receipt that you withdrew cash, we’ll reimburse you for the amount that was stolen, up to € 500. One claim per year.
As a Platinum cardholder, you can withdraw up to € 4,000 in emergency cash. For example, if you’re abroad and your Platinum card is lost or stolen.
"}},{"title":"What is free Hertz Gold Plus Rewards membership?","richBody":{"value":"The ING Platinum card offers several free benefits from the Hertz Gold Plus Rewards programme:
With our refund service, you can easily dispute a Platinum card charge and get refunded. You can only dispute a charge if:
You should always try to find a solution with your seller first. If you can't sort it out or if you 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 Platinum card refund"}]},{"title":"Is it safe to pay online with my Platinum card?","richBody":{"value":"Yes! It's just as safe as using iDEAL or direct debit. Your Platinum card even has an additional security measure. Click here for more information about the Mastercard ID Check. We can cancel any suspicious charges and will contact you if something seems off. In the event of fraud, loss or theft, we’ll fully compensate you if there is no fraud, intent and gross negligence on your end.
"}},{"title":"Can I change my Platinum card limit?","richBody":{"value":"Yes, you can. The minimum Platinum card limit is € 1,000 and the maximum is € 20,000. You can raise or lower your limit by increments of € 500.
Here's how to change your Platinum card limit:
If you don’t have My ING, call us on 020 22 888 88 for assistance.
"},"textLinks":[{"url":"https://mijn.ing.nl/banking/creditcards/change-limit?flow-step=intro-page","text":"Change your card limit"}]},{"title":"Can I pay my Platinum card early?","richBody":{"value":"Yes! You can do so in your Platinum card overview in the ING App. Would you like to know more?
You can always request an additional ING Platinum card in My ING or the ING App. This additional card will be linked to your ING Platinum card. All purchases made with the additional Platinum card will fall under your current Platinum card limit.
Would you like to upgrade your Platinum card to a Credit 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":"How do I cancel my Credit card, Platinum card or Student credit card?","richBody":{"value":"There are three ways to cancel: Via the ING App, in My ING or by calling us on 020 22 888 88.
"},"textLinks":[{"url":"https://mijn.ing.nl/banking/creditcards/close-credit-card","text":"Cancel Platinum card in My ING"}]},{"title":"What do I do if the cardholder passes away?","richBody":{"value":"Find everything you need to know when the cardholder has passed away.
After the death has been reported, we'll cancel the Platinum card and any additional card. Any outstanding balance will be collected from the current account. If the holder of an additional credit card passes away, we'll cancel only their Platinum card.
"}},{"title":"Can I change how I pay my Platinum card?","richBody":{"value":"Yes, you certainly can. You can always cancel spread payments (Gespreid Betalen) and start paying your monthly amount in full. In that case, you’ll pay the total outstanding balance of your Platinum card in the first week of the month with the balance on your current account. Read more about how to cancel spread payments.
"}},{"title":"Is my credit card made from recycled plastic?","richBody":{"value":"If it's recent, the answer might be yes! The latest ING Platinum cards are made from recycled plastic, and we're gradually rolling them out. However, we use up our old stock first, so not all new Platinum cards are made from recycled plastic. Cards made from recycled plastic are issued randomly.
"}},{"title":"I have a joint account (En/Of Rekening) with my partner – can both of us get a Platinum card?","richBody":{"value":"Yes! You can request up to two additional Platinum cards. All purchases made with the additional Platinum card(s) will fall under your current Platinum card limit.
"}}]},{"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"}]}]}}}