You no longer need to carry your credit card with you if you have an iPhone, Apple Watch, Android™ phone (version 8 or higher), or Garmin watch. Simply add your credit card to your Apple Pay, Google Pay, or Garmin Pay wallet and you can make mobile payments in restaurants and shops abroad. Paying with Apple Pay, Google Pay, and Garmin Pay is just as secure as contactless payments with your credit card. In many cases, it’s even faster because you don’t need to enter your PIN. See here how it works.
"},"alignedImage":{"transformBaseUrl":"https://assets.ing.com/transform/7f4f5c2b-1c48-491b-b6ae-dda451f7de1c/Apple-Pay-1","altTextEN":"\"\"","altTextNL":"\"\"","original":"https://assets.ing.com/m/2f2f462800d90a8f/original/Apple-Pay-1.jpeg","extension":"jpeg"}},{"componentType":"sectionTitle","title":"2. Check your PIN code"},{"componentType":"paragraph","richBody":{"value":"Have you forgotten or lost your PIN? You can easily request it via the ING app or Mijn ING. In many cases, you will still need your PIN abroad, for example for amounts above €50. You will receive it at home by post within 3 working days. Do you still have your PIN but find it difficult to remember? You can change the PIN of your credit card yourself at a Geldmaat ATM. Read here how it works.
"},"alignedImage":{"transformBaseUrl":"https://assets.ing.com/transform/aaf69f1b-374b-4a0b-8105-0a34cee3c5f2/Semaphore-for-pedestrians-showing-stop-sign","altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/52999fc8ee1144ee/original/Semaphore-for-pedestrians-showing-stop-sign.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"3. Check your available spending limit"},{"componentType":"paragraph","richBody":{"value":"There’s nothing more frustrating than finding out at checkout that your spending limit is insufficient or being unable to pick up your rental car because you can’t pay the deposit. That’s why it’s important to check your remaining credit card spending limit in advance.
Would you like to be able to spend more? You can arrange this in two ways:
You will automatically receive a new credit card by post between 60 and 14 days before your current card expires. If you expect to travel for an extended period and your credit card will expire during your trip, request a new one through the ING app or Mijn ING. We will replace it free of charge. You will receive your new credit card by post within 5 working days. The card number and PIN will remain the same, and your credit card will be valid for another 5 years.
"},"alignedImage":{"transformBaseUrl":"https://assets.ing.com/transform/318dc29c-bdd2-44b8-a268-0481b6b66f7a/fixed-variable-rate-1920","original":"https://assets.ing.com/m/342beb48d08171fb/original/fixed-variable-rate-1920.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"5. Check your spending in the ING app"},{"componentType":"paragraph","richBody":{"value":"All your credit card transactions, including hotel or ticket reservations, are visible in the ING app and in Mijn ING. A reservation is a payment transaction that can no longer be reversed but has not yet been fully processed (for example, the deposit for your rental car). It may take up to 21 days before a credit card reservation is processed or removed from your credit card overview. If you have a question about a reservation, please contact the organization first, they can adjust or cancel the reservation if needed.
"},"alignedImage":{"transformBaseUrl":"https://assets.ing.com/transform/b12fa40a-4afc-404d-a3e2-6b6e8df4b0b3/ING-communication-rules-1920","original":"https://assets.ing.com/m/49ef7f4dac2727d9/original/ING-communication-rules-1920.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"6. Flight cancelled? Check whether you can get a refund"},{"componentType":"paragraph","richBody":{"value":"Your credit card includes the “Money Back Service.” This insurance allows you to request a refund if a company does not deliver a product or service. A standalone airline ticket is covered, so if you meet the conditions, you can get your money back.
"},"alignedImage":{"transformBaseUrl":"https://assets.ing.com/transform/8d71313e-2b10-48d8-92d6-2889ff49fe58/Woman-in-an-airplane-looking-out-the-window","altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/6ffb26d5df555e2f/original/Woman-in-an-airplane-looking-out-the-window.jpg","extension":"jpg"}},{"componentType":"linkList","iconTitle":{"title":"Would you like to know more?"}},{"componentType":"sectionTitle","title":"Don’t have a credit card yet?"},{"componentType":"cta","textLink":{"url":"/en/personal/payments/creditcards","text":"Discover our credit cards"}}]}}}