Like its name says, a Student Credit card is a credit card specially for students between the ages of 18 and 29.
As with all our credit cards, 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 Student Account each month.
"}},{"componentType":"paragraph","title":"Student Credit card features","richBody":{"value":"With the ING Student Credit card, you pay no currency conversion fee on foreign currency transactions up to € 500 per month.
Delivered within 5 business days after application in My ING
Transaction overview in your ING App and My ING
Credit card payments are debited once a month. View exact due dates
Works with Apple Pay and Google Pay
Up to € 500 per month with 0% exchange rate fee
Example: Save up to € 10 per month because you pay 0% exchange rate fee on transactions up to € 500 for products in British pounds. With your debit card or many other credit cards, you pay a 2% conversion fee, which amounts to € 10. With the ING Student Credit card, you save this amount.
You can pay with a credit card in most countries, making it perfect for travel. A debit card has less coverage.
Purchases made with a credit card are insured for 365 days against loss, theft and damage.
If something went wrong with an order paid with your credit card, you can get your money back with our refund service (GeldTerugService).
Useful for deposit payments, renting and reservations. You do not have to advance any money.
Can be used for Apple Pay and Google Pay
Using your credit card to withdraw cash costs extra. It's cheaper to use your debit card.
For spending above € 500 per month in foreign currency, a 2% currency conversion fee applies. This means paying in a foreign currency for these expenses costs extra, just like with your debit card. With the Student Credit card, this fee is slightly higher than with a debit card.
Having a credit card may lead you to spend more than you can actually afford.
If you have insufficient balance, your monthly credit card payment will overdraft your current account.
A student credit card costs %{prijs.btp:ING_Creditcard.Abfee_jaar.student.eur}% per year. You advance this fee every year. If you cancel in the meantime, you'll be partially refunded.
"}},{"componentType":"paragraph","title":"The fixed fee includes:","richBody":{"value":"Free payments in euro in countries using the euro.
You do not pay interest on your credit card payments. Expenses made with your credit card are debited from your current account in one go every month. Prevent overdrafts and ensure sufficient balance at the time of debit.
Paying in other currencies
Up to € 500 per month with 0% exchange rate fee.
If you pay more than € 500 in another currency a month, you pay a %{prijs.btp:creditcards_nieteuro.koersopslag.standaard.perc}% rate charge per withdrawal on top of the exchange rate.
Withdrawing euros at a cash machine
If you withdraw cash with your Student Credit Card at an ATM or bank branch, you will be charged 4% of the withdrawn amount, with a minimum fee of € 4.50 per withdrawal.
If the withdrawal is made in another currency and you have already spent or withdrawn more than € 500 in a foreign currency this month, an additional foreign exchange markup of %{prijs.btp:creditcards_nieteuro.koersopslag.standaard.perc}% per transaction will apply per withdrawal.
Depending on your spending limit, you can withdraw a maximum of € 400 per day with a Student Credit Card.
Overdraft
Your credit card payments are debited from your ING student account each month. You won't pay any interest. If you have insufficient balance when your account is debited, you'll go into overdraft. Be sure to have sufficient balance!
The rates apply to credit card payments from 1 March 2020. Rates may be subject to changes.
"}},{"componentType":"sectionTitle","title":"How do I apply for a student credit card?"},{"componentType":"paragraph","title":"This is necessary","richBody":{"value":"You'll need to be between the ages of 18 and 29.
You have an ING Student Account. Your student credit card is linked to this ING Student Account. Curious? Read more about the ING Student Account.
Over the last 3 months, there needs to have been at least €500 deposited in your account per month. If you have a student card limit, it must be at least €750 per month.
Your DUO student loan isn't taken into account when you apply for a student credit card.
During your application, we assess the use of your ING student account and perform a credit check with the Central Credit Registration Office (BKR).
If you're not eligible for a Student Credit card with a €1,000 credit limit, we can offer you a temporary Student Credit card without 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 a limit of €1,000, we will automatically adjust this for you.
If your application has been approved, we send your Student Credit card and PIN to your address as soon as possible. For security reasons, we send them in separate envelopes.
Activate your new credit card in My ING. You can use it immediately afterwards.
"},"textLinks":[{"url":"https://mijn.ing.nl/banking/mobile/creditcards/apply-creditcard?flow-step=intro-page&EW=true","text":"Activate credit card "}]},{"componentType":"paragraph","richBody":{"value":"In shops and restaurants, a credit card works the same as your debit card. Use contactless payments 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.
To shop online, 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.
We debit the total outstanding credit card from your ING student account each month. This way, you won't be charged interest on your credit card payments. Do make sure your ING student account balance is sufficient on the due date. This will prevent (unarranged) overdraft.
"}},{"componentType":"sectionTitle","title":"Using your student credit card"},{"componentType":"paragraph","title":"Will you get a Central Credit Registration Office (BKR) registration if you have a student credit card?","richBody":{"value":"No, your student credit card will not be registered as a loan at the BKR, and your credit score won't be affected. That's because your total credit card payments are debited from your current account each month.
"},"textLinks":[{"url":"/particulier/lenen/informatie-over-lenen/bkr","text":"More about the BKR"}]},{"componentType":"paragraph","title":"Refunds in case of loss, theft or fraud","richBody":{"value":"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.
"},"textLinks":[{"url":"/en/personal/payments/rates/payment-service-comparison","text":"Compare payment services"}]},{"componentType":"sectionTitle","title":"Apple Pay"},{"componentType":"paragraph","richBody":{"value":"If you have an iPhone, iPad, Apple Watch or Mac, you can use Apple Pay to pay with your credit card. This makes paying online and in shops a breeze!
"},"textLinks":[{"url":"/en/personal/payments/apple-pay/credit-card","text":"See how to add your credit card to your Apple Wallet"}]},{"componentType":"sectionTitle","title":"Google Pay"},{"componentType":"paragraph","richBody":{"value":"If you have an Android™ phone, you can use Google Pay to pay with your credit card. You can leave that physical card at home!
"},"textLinks":[{"url":"/en/personal/payments/google-pay/credit-card","text":"See how to add your credit card to your Google Wallet."}]},{"componentType":"sectionTitle","title":"Earn ING Points with your student credit card"},{"componentType":"paragraph","richBody":{"value":"By earning Points, you'll get large discounts in the ING shop. There are several ways to earn Points with your credit card:
Please note: to earn Points, you'll need an ING savings account linked to the ING current account that's used for your credit card.
"}},{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/mobile/creditcards/apply-creditcard?flow-step=intro-page&EW=true","text":"Apply for a credit card in My ING"}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"When will my student credit card payments be debited from my account?","richBody":{"value":"In the first week of each month. See the exact debit dates.
"}},{"title":"How do I make a purchase protection insurance claim?","richBody":{"value":"Read more about insurance cover, reimbursements and validity in the Creditcard and platinum card insurance policy terms and conditions.
"}},{"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 Platinum 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 (GeldTerugService), you can easily dispute a credit card charge and get refunded.
You can only dispute a charge if:
Your student credit card has been wrongfully charged
You have not received your purchase 30 days after your card was charged
The product you ordered is fake or was delivered incorrectly
It's been at least 15 days since the seller promised to refund you and you still haven't gotten your money back
When withdrawing cash at an ATM, you didn't receive enough cash or any cash at all
Always try to find a solution with the seller first. If you cannot reach an agreement, or if the seller is unreachable, you can use the Credit card refund service. We ask for proof that you have contacted the seller.
"}},{"title":"Is it safe to pay online with my student 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 SecureCode. 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":"Are ING credit cards Mastercard or VISA?","richBody":{"value":"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":"Can I pay my student credit card early?","richBody":{"value":"Yes! You can do so in the ING App. By paying early, you can put sufficient balance on your credit card. Comes in handy if you ever find yourself needing a little more spending money.
"}},{"title":"What is a temporary credit card without a spending limit?","richBody":{"value":"If you are not eligible for a student credit card with a €1,000 limit, we can offer you a temporary credit card without a spending 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 the €1,000 limit, we will automatically adjust this for you.
"}},{"title":"I have a student credit card but would like to convert it to a regular credit card.","richBody":{"value":"This will happen automatically once you've finished your studies! Your student account will be converted into an ING current account part of the OranjePakket payment package. And your student credit card will be converted into a regular credit card. Your card limit will stay the same and you can keep using the same card.
Since a credit card isn't part of the OranjePakket payment package, you'll be paying an additional fee. Learn more about what happens when you finish your studies.
"}},{"title":"Am I eligible for a student account?","richBody":{"value":"You're eligible if you're under 30 and are enrolled full-time higher education (MBO, HBO or university).
To keep your student account, have your DUO student loan deposited into your ING student account. Or let us know you're still enrolled in higher education once a year.
"}},{"title":"How do I cancel my student credit card?","richBody":{"value":"There are 2 ways to cancel: in My ING or by calling us at 020 22 888 88.
"}},{"title":"What do I do in if a (student) credit card holder passes away?","richBody":{"value":"Find everything you need to know if someone passes away.
After the death has been reported, we'll cancel the (student) credit card and any other debit 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 Mijn 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":"I have a student credit card with a limit lower than €1,000. Can I increase this limit?","richBody":{"value":"
Yes, you can apply for a limit increase. The maximum limit is €1,000.
If you don't want to permanently increase your limit, you can always put money on your credit card. Learn how to transfer money from your current account to your credit card.
"}}]},{"componentType":"linkList","iconTitle":{"title":"Good to know"},"textLinks":[{"url":"/en/personal/payments/creditcards/perks","text":"Perks of a credit card"},{}]},{"componentType":"feature","featureName":"survey-starter?surveyName=0e641881-3d1e-4f7e-9efa-3170bcbc0b77&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"}]}]}}}