{"type":"document","data":{"id":"e444e472-0b82-4b87-b69b-0b0e3e027133","localeString":"en-GB","publishDate":"2026-01-07T10:11:16.653+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Would you like to upgrade your credit card to a Platinum Card? Or rather switch back to a basic Credit Card? With ING, you can easily arrange it online."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/mobile/creditcards/change-card-type?EW=true","text":"Upgrade or change credit card"}},"secondaryCta":{"textLink":{"url":"/en/personal/payments/creditcards","text":"Our creditcards"}},"coreHeader":{"body":"Would you like to upgrade your Credit Card to a Platinum Card? Or rather switch back to a basic Credit Card? With ING, you can easily arrange it online","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/e8150006-5a93-440b-a492-5b3b1eb14e55/Full-length-of-woman-lying-on-grass","type":"image","width":6000,"original":"https://assets.ing.com/m/64a5a374955a1ba7/original/Full-length-of-woman-lying-on-grass.jpg","extension":"jpg"},"title":"Upgrade or change credit card type"},"backLink":{"textLink":{"url":"/en/personal/payments/creditcards","text":"Apply for a credit card"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","title":"Why upgrade to a Platinum Card?","richBody":{"value":"<p>With the Platinum Card, you benefit from extra convenience, security, and more advantages. Ideal for those who travel frequently or want to get more out of their credit card.</p>"}},{"componentType":"sectionTitle","title":"Benefits of a Platinum Card"},{"componentType":"paragraph","richBody":{"value":"<ul><li>Spending limit up to €20,000</li><li>Save up to €20 per month on foreign exchange fees outside the Eurozone</li><li>Up to €150 savings on car rental insurance</li><li>365-day purchase insurance against damage, loss, and theft</li><li>Comprehensive travel insurance, including for baggage and flight delays</li><li>Medical assistance abroad is covered</li><li>Better global coverage than your debit card</li><li>Handy for reservations and security deposits</li><li><a data-type=\"internal\" href=\"/en/personal/payments/creditcards/refund-service\">Money Refund</a> service for incorrectly delivered orders (terms apply)</li><li>Usable with Apple Pay and Google Pay</li><li>Free <a href=\"https://www.hertz.com/rentacar/hertzlink/index.jsp?targetPage=Mastercard_Standard.xml\">membership</a> to Hertz Gold Plus Rewards</li></ul>"},"textLinks":[{"url":"/particulier/betalen/creditcards/platinumcard","text":"Everything about the Platinum Card"}]},{"componentType":"sectionTitle","title":"Benefits Credit Card"},{"componentType":"paragraph","title":"The Credit Card is a reliable and affordable choice for everyday use.","richBody":{"value":"<ul><li>Spending limit up to €5,000</li><li>Purchases are insured for 365 days against damage, loss, or theft</li><li>Convenient for security deposits, rentals, and reservations</li><li><a data-type=\"internal\" href=\"/en/personal/payments/creditcards/refund-service\">Money refund</a> service for incorrectly delivered orders</li><li>More affordable alternative compared to the Platinum Card</li></ul>"},"textLinks":[{"url":"/en/personal/payments/payments-abroad/credit-card","text":"Everything about the Credit Card"}]},{"componentType":"linkList","componentStyle":"default","iconTitle":{"title":"Terms and Costs"},"textLinks":[{"url":"https://www.ing.nl/en/pdf/personal/payments/credit-card-terms-and-conditions-2024","text":"General Terms and Conditions Creditcard and Platinumcard"},{"url":"https://www.ing.nl/en/pdf/personal/payments/credit-and-platinum-insurance-policy-2025","text":"Insurance Policy Credit card and Platinum card"},{"url":"https://assets.ing.com/m/168b84ce21aa46c9/original/ING_Summary-of-costs-and-charges-for-ING-payment-products-for-personal-customers.pdf","text":"Cost overview"},{"url":"/en/personal/payments/rates/payment-service-comparison","text":"Payment services comparison"}]},{"componentType":"sectionTitle","title":"Upgrading or changing, here’s how it works"},{"componentType":"paragraph","richBody":{"value":"<p>Click the orange button below to go directly to the application process, or:</p><ol><li>Log in to My ING</li><li>Go to ‘Service’ &gt; ‘Upgrade or change credit card’</li><li>Choose the card you want to apply for</li><li>Enter the last 4 digits of your current card and linked payment account</li><li>Confirm your choice and submit your request</li></ol><p>Within 10 working days, you’ll receive your new card and PIN code (sent separately). Your old card will automatically expire after 10 days.</p>"}},{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/creditcards/change-card-type?EW=true","text":"Change your card in 3 steps"}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"I don’t have a credit card yet. Can I apply for a new one using this form?","richBody":{"value":"<p><span><span><span>No, this form is only intended for upgrading or changing an existing credit card. Don’t have a credit card yet? <a data-type=\"internal\" href=\"/en/personal/payments/creditcards\">Check here which of the three ING credit cards suits you best and apply via the ING App or My ING.</a></span></span></span></p>"}},{"title":"Can I change my Student Credit card to a regular Credit Card or Platinum Card?","richBody":{"value":"<p><span><span><span>No, that’s not possible using this form. The Student Credit card is only available in combination with a Student account.</span></span></span></p>"}},{"title":"I have a Student account and want to apply for a Platinum Card. Can I do that with this form?","richBody":{"value":"<p><span><span><span>No, that’s not possible as long if you have a student account.</span></span></span></p><p><span><span><span>Want to apply for a Platinum Card?<strong> </strong>First, <a data-type=\"internal\" href=\"/en/personal/payments/rates/compare-packages\">change your payment package</a> to an Orange package or Orange package with discount. Once your package has been updated, you can submit a request to convert your Credit card using this form.</span></span></span></p>"}},{"title":"I want to change my credit card without a spending limit to a platinum card. Is that possible?","richBody":{"value":"<p><span><span><span>Only if your current credit card has an assigned credit limit of at least €1,000 can you upgrade to a Platinum Card. Check this before submitting a request. You can view your current spending limit in your credit card overview. The credit card statement is listed under your checking and savings accounts.</span></span></span></p>"}},{"title":"I have an ING extra credit card. Do I need to submit a separate request for it?","richBody":{"value":"<p><span><span><span>Do you have an extra credit card or platinum card, for example for your partner or child? If you request an upgrade or change of your card type, we will automatically adjust the type of the extra card as well. You don’t need to do anything for this.</span></span></span></p>"}},{"title":"I previously canceled my credit card. Can I request a change or upgrade using this form?","richBody":{"value":"<p><span><span><span>No, that’s not possible. You can easily apply for a new <a data-type=\"internal\" href=\"/en/personal/payments/creditcards/platinum-card\">Platinum card</a> via the ING App or My ING.</span></span></span></p>"}},{"title":"I currently have Spread Payments. Will this remain active after changing my card?","richBody":{"value":"<p><span><span><span>No, when you change or upgrade your credit card, the Spread Payments option is automatically canceled. You will then switch to monthly repayments.</span></span></span></p><p><span><span><span><strong>Note:</strong> The outstanding amount you were repaying in installments will be collected in full during the next collection round. Keep this in mind before submitting a change request.</span></span></span></p>"}},{"title":"I have a different payment package than the Orange package. Can I still request a credit card change using this form?","richBody":{"value":"<p><span><span><span>No, only customers with one of the following packages can submit a change request using this form:</span></span></span></p><ul><li><span><span><span><span>Orange package</span></span></span></span></li><li><span><span><span><span>Standard package</span></span></span></span></li><li><span><span><span><span>Orange package with discount</span></span></span></span></li><li><span><span><span><span>Orange package extra</span></span></span></span></li></ul><p><span><span><span>Do you currently have a student account, Royal package, or Payment package? Then you cannot use this form. You must first change your payment package to one of the above. You can do this via the ING App or My ING. Visit our <a data-type=\"internal\" href=\"/en/personal/payments/rates/compare-packages\">package comparison tool</a> to see which package best suits your needs.</span></span></span></p>"}}]},{"componentType":"linkList","componentStyle":"default","iconTitle":{"title":"Creditcards"},"textLinks":[{"url":"/en/personal/payments/creditcards/platinum-card","text":"Request platinum card"},{"url":"/en/personal/payments/creditcards/credit-card","text":"Request creditcard"},{"url":"/en/personal/payments/creditcards/additional-credit-card","text":"Request extra credit card"},{"url":"/en/personal/payments/creditcards/replace-credit-card","text":"Replace credit card"},{"url":"/en/personal/payments/creditcards/activate-credit-card","text":"Activate credit card"}]}]}}}