{"type":"document","data":{"id":"bc9a2653-fa84-49f4-bb02-9093a3802fba","localeString":"en-GB","publishDate":"2026-03-09T16:50:04.314+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Reis tips, travel hacks, reizen, hacks voor reizen, backpacken, verre reis, gap year, Credit card, betalen buitenland, tricks, travel."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"It might sound obvious: of course you take a credit card with you when you travel. Still, we’ve put together all the smart tips to show why a credit card is essential for your trip.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/69bc335c-5b61-4384-85b0-ebc374a97d40/Funny-faces-of-friends-having-lunch-together-outside-of-asian-street-food-restaurant-having-fun","type":"image","width":5857,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/4831ba837d922302/original/Funny-faces-of-friends-having-lunch-together-outside-of-asian-street-food-restaurant-having-fun.jpg","extension":"jpg"},"title":"Smart travel: the essential credit card hacks","subtitle":"Maximize your travels with these smart credit card tips"},"backLink":{"textLink":{"url":"/en/personal/students","text":"Banking for students"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Your ultimate list of hacks"},{"componentType":"paragraph","richBody":{"value":"<ul><li><strong>Always have cash for emergencies:</strong> Stuck and need money fast? With your credit card, you can withdraw cash almost anywhere in the world in such situations.</li><li><strong>Keep an eye on exchange rate fees:</strong> If you pay with an ING Student Credit card, you won’t pay any exchange rate fees (also called markup fees) up to € 500 per month. Good to know, because most banks don’t offer this advantage.<br /><strong>Tip:</strong> Always pay in the local currency and avoid Dynamic Currency Conversion (DCC) – that means paying in euros instead of the local currency. Choosing euros often means a higher exchange rate markup, which isn’t great for your travel budget.</li><li><strong>Deposit without hassle:</strong> A credit card is often required for deposits at hotels or when renting a car or scooter. Without one, you might be left empty-handed. Plus, with a credit card, you don’t need to block a large amount from your checking account, keeping your budget flexible. Note: for deposits, an amount will be held against your credit card limit.</li><li><strong>Instant insight into spending:</strong> Turn on push notifications for your credit card. This way, you’ll be immediately informed of every transaction and avoid surprises.</li><li><strong>Accepted worldwide:</strong> Whether you’re in Europe, Asia, or America, you can pay almost anywhere contactless with a credit card, no hassle, and less need for local cash.</li><li><strong>Perfect for students:</strong> Choose a Student Credit Card: It’s usually a bit cheaper than a regular credit card. Smart move!</li><li><strong>Safe online booking:</strong> Book your trip with your credit card. Purchases are often protected against fraud or non-delivery, ideal for international reservations.</li><li><strong>Backup if you lose your debit card:</strong> If you lose your bank card, you’ll always have your credit card as a backup. So you’ll never be without a payment option.</li></ul><p><strong>In short:</strong> A credit card isn’t just handy, it’s practically essential when traveling as a student. That way, you can enjoy your adventure worry-free, wherever you are!</p>"}},{"componentType":"cta","textLink":{"url":"/en/personal/students/travel-even-smarter-with-a-student-creditcard","text":"Travel even smarter with a Student Credit card"}},{"componentType":"cta","textLink":{"url":"/en/personal/payments/creditcards/student-credit-card","text":"More about the ING Student Credit card"}}]}}}