{"type":"document","data":{"id":"01845900-bce7-4843-a0b3-f0df5918010a","localeString":"en-GB","publishDate":"2025-09-02T11:37:45.395+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":true,"noFollow":true},"description":"Nothing can stop you: with our credit card, your purchases are insured for 365 days. Request it easily via your relationship manager."},"mainHeaderZone":{"componentType":"productHeader","usps":[{"body":"Worldwide coverage","icon":{"transformBaseUrl":"https://assets.ing.com/transform/a181f801-39a2-4abb-9fc3-3089a4864955/world","type":"image","width":267,"original":"https://assets.ing.com/m/f6569b9a486ab5/original/world.png","extension":"png"}},{"body":"Safe payments","icon":{"transformBaseUrl":"https://assets.ing.com/transform/be150c70-2742-43bd-a949-7a9f42ae26f7/payment_request_euro_outline_rgb","type":"image","width":267,"original":"https://assets.ing.com/m/2bebe89a2a92ee10/original/payment_request_euro_outline_rgb.png","extension":"png"}},{"body":"Insured purchases","icon":{"transformBaseUrl":"https://assets.ing.com/transform/fd8aae40-b81e-406e-bf85-a0761dfb0f93/Check_mark_outline_orange_RGB","type":"image","width":267,"original":"https://assets.ing.com/m/67bec23b9f25828f/original/Check_mark_outline_orange_RGB.png","extension":"png"}}],"coreHeader":{"body":"A credit card offers additional security and comfort. For example, purchases are insured against damages, loss or theft, you get higher spending limits  and enjoy extra convenience and security abroad.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/344b06b9-0897-428a-aea0-5b4a36177583/Tailor-at-work-in-his-studio","type":"image","width":5616,"altTextNL":"\"\"","original":"https://assets.ing.com/m/929432ca4c331d/original/Tailor-at-work-in-his-studio.jpg","extension":"jpg"},"title":"Credit cards"},"backLink":{"textLink":{"url":"/en/private-banking/daily-banking","text":"Daily banking at ING Private Banking"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Platinum Card: more freedom, more benefits"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span lang=\"EN-US\" dir=\"ltr\"><span>A Platinum Card is a credit card with a higher spending limit. Like a credit card, you do not need to have the funds in your ING Current Account at the time of payment. After making a payment, the amount is first debited from your Platinum Card. We then debit the due amount from your ING Current Account monthly in one go. When paying in euros, there are no additional fees. </span></span></span></span></span></p><p><span><span><span><span lang=\"EN-US\" dir=\"ltr\"><span>Are you interested in the Platinum Card? As a Private Banking client you can apply for one via your account- or relationship manager. The limit of the card can be set in consultation. Note that you can only apply for a credit card with a Dutch address.</span></span></span></span></span></p>"},"alignedImage":{"transformBaseUrl":"https://assets.ing.com/transform/0b86e66c-cb96-4907-a6f7-d68d8d96a9a3/Cards-Card_Platinum_Mastercard_Outline","altTextNL":"\"\"","original":"https://assets.ing.com/m/4129a3af30b0c3/original/Cards-Card_Platinum_Mastercard_Outline.svg","extension":"svg"}},{"componentType":"paragraph","title":"In addition, with a Platinum Card you enjoy exclusive extras and services:","richBody":{"value":"<ul><li><span lang=\"EN-US\" dir=\"ltr\"><span><span>Convenient when traveling as coverage is much wider than with your debit card.</span></span></span></li><li><span><span><span><span lang=\"EN-US\" dir=\"ltr\"><span>Purchases are insured for 365 days against damage, loss and theft</span></span></span></span></span></li><li><span><span><span><span lang=\"EN-US\" dir=\"ltr\"><span>Rental car deductible automatically insured up to €500 per event</span></span></span></span></span></li><li><span><span><span><span lang=\"EN-US\" dir=\"ltr\"><span>Additional costs due to luggage delay and flight delay are insured</span></span></span></span></span></li><li><span><span><span><span lang=\"EN-US\" dir=\"ltr\"><span>Costs of assistance in case of illness abroad are insured</span></span></span></span></span></li><li><span><span><span><span lang=\"EN-US\" dir=\"ltr\"><span>Order not delivered or delivered incorrectly? Request your money back with the </span></span></span></span></span><a href=\"https://www.ing.nl/particulier/betalen/creditcards/geldterugservice\">Money Refund Service</a>.<span><span><span><span lang=\"EN-US\" dir=\"ltr\"><span> Please note, restrictive conditions apply</span></span></span></span></span></li><li><span><span><span><span lang=\"EN-US\" dir=\"ltr\"><span>Free </span></span></span></span></span><a href=\"https://www.hertz.com/rentacar/hertzlink/index.jsp?targetPage=Mastercard_Standard.xml\">membership</a><span><span><span><span lang=\"EN-US\" dir=\"ltr\"><span> Hertz Gold Plus Rewards</span></span></span></span></span></li></ul>"}},{"componentType":"paragraph","title":"Disadvantages of a Credit Card:","richBody":{"value":"<ul><li><span><span><span><span lang=\"EN-US\" dir=\"ltr\"><span>Costs are incurred when withdrawing money at an ATM. Preferably use your debit card for this purpose.</span></span></span></span></span></li><li><span><span><span><span lang=\"EN-US\" dir=\"ltr\"><span>Paying in currencies other than the euro with your credit card is more expensive than paying in foreign currencies with your debit card. </span></span></span></span></span></li><li><span><span><span><span lang=\"EN-US\" dir=\"ltr\"><span>The higher spending limit can lead to spending more than you can actually afford. </span></span></span></span></span></li><li><span><span><span><span lang=\"EN-US\" dir=\"ltr\"><span>The debiting of your credit card payments can lead to overdrafts if you do not have sufficient funds in your current account.</span></span></span></span></span></li></ul><p><a href=\"https://assets.ing.com/m/468ad34f3da94f68/original/Polisvoorwaarden-Creditcard-2023.pdf\">Policy Terms and Conditions Credit Card and Platinum Card 2023 (Dutch only)</a></p><p> </p>"}},{"componentType":"sectionTitle","title":"Earn Points with your credit card?"},{"componentType":"paragraph","richBody":{"value":"<p>At ING you can earn Points in different ways. With these Points you can then get big discounts on a large number of items in the ING store, such as cinema tickets, suitcases or electronics. With the credit card there are a number of ways to earn Points: </p><table><tbody><tr><td>Request a credit card</td><td>1,000 ING Points</td></tr><tr><td>Request an extra credit card</td><td>1,000 ING Points</td></tr><tr><td>Spend more than <span><span>€ 100 </span></span>per month with your credit card</td><td>100 ING Points a month</td></tr><tr><td>Add credit card to your wallet</td><td>100 ING Points</td></tr></tbody></table>"}},{"componentType":"linkList","iconTitle":{"title":"Shortcut to"},"textLinks":[{"url":"/en/private-banking/daily-banking/current-account","text":"Current account"},{"url":"/en/private-banking/investing","text":"Investing"},{"url":"/en/personal/payments/creditcards/platinum-card","text":"More about the Platinum Card"}]}]},"complementaryZone":{"flexComponents":[{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Make an appointment","intro":"Let's start a conversation.","image":{"transformBaseUrl":"https://assets.ing.com/transform/3e538078-976f-4b74-b49c-90d7cd895df2/Web-12","type":"image","width":307,"original":"https://assets.ing.com/m/1d41bac33a10b194/original/Web-12.svg","extension":"svg"},"link":{"url":"/en/private-banking/customer-service"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Log in to My ING","intro":"Quick insights into your financial situation","image":{"transformBaseUrl":"https://assets.ing.com/transform/33c4e3a2-7e3d-47a1-9c6f-1993eedcdb8c/Web-13","type":"image","width":307,"original":"https://assets.ing.com/m/5aecfb619a645cd6/original/Web-13.svg","extension":"svg"},"link":{"url":"https://mijn.ing.nl/login"}}]}]}}}