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ING Creditcard

ING · mastercard · Charge card · ING Punten

Apply with ING
Monthly fee
€2.00€24.00 a year
Foreign transaction fee
2.00%on non-euro spending
BKR check
Yesnot re-confirmed: see requirements
Income needed
€500 a monthnot re-confirmed: see requirements

Not yet confirmed by our daily rate check, so we don’t rank it. Check the provider’s site before you apply.

Checked against ING’s own pages on 4 October 2026: card type, foreign fee, BKR, income, who can apply; fee. Terms change: check them there before you apply.

About this card

Basic credit card for ING account holders. Earns ING Punten through shopping portal. 365-day purchase protection included.

Charge card: a credit line you repay in full each month. The full balance is debited from your ING current account every month.

Best for: ING Customers, Low Cost, Everyday

Pros and cons

What we like

  • Low annual fee (€24)
  • 365-day purchase protection
  • ING Punten rewards program
  • Integrates with ING app

What to consider

  • 2% foreign transaction fee
  • Requires ING current account
  • Basic rewards value
  • Limited to €5,000 credit limit

All fees and limits

Monthly fee
€2.00
Fee conditions
€2 a month as a separate card; included in the ING More package.
Foreign transaction fee
2.00%
Credit limit
€1,000 – €5,000
Interest-free period
21 days
Late payment fee
€12

Everyday use

Card network
mastercard
Daily ATM withdrawal limit
€300
ATM fees
€2.50 per withdrawal
Contactless payments
Supported
Apple Pay
Supported
Google Pay
Supported
Choose your PIN
Yes
Max cards per account
1
Free replacement card
No

Insurance

Purchase protection
Included
Purchase protection deductible
€75
Travel insurance
Not included
Flight delay insurance
Not included
Baggage insurance
Not included
Car rental insurance
Not included
Cancellation insurance
Not included
Medical insurance
Not included
Legal assistance
Not included
Fraud protection
Included
24h helpline
Not available

Requirements

Card type
Charge card: a credit line you repay in full each monthNot re-confirmed since 4 October 2026: check with the provider before you apply.
Minimum income
€500 a month. Paid into your ING current account, from work, a business, a pension or an allowed benefit.Not re-confirmed since 4 October 2026: check with the provider before you apply.
BKR checked when you apply
YesNot re-confirmed since 4 October 2026: check with the provider before you apply.
Card registered at BKR
NoNot re-confirmed since 4 October 2026: check with the provider before you apply.
BSN
Not stated for the card. ING lets new customers open the current account first and add the BSN within 90 days.
Who can apply
Needs an ING current account.Not re-confirmed since 4 October 2026: check with the provider before you apply.
Delivery time
5 business days

How to apply

  1. 1Gather your documentsHave a valid ID or passport and proof of your address in the Netherlands ready, and proof of income (€500 a month. Paid into your ING current account, from work, a business, a pension or an allowed benefit.).
  2. 2Start the applicationVisit ING's website and fill in the online application form. This typically takes 5–10 minutes.
  3. 3Identity verificationYour identity will be verified. BKR is checked when you apply; the card is not registered at BKR.
  4. 4Receive your cardYour card will arrive within 5 business days by post. Activate it online or via the app.
Apply with ING

Other cards

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ANWB Visa ClassicANWB · Charge cardCard type not re-confirmed
€2.502.00%Yesnot registerednot re-confirmed€1,500 a monthnetnot re-confirmed
ABN AMRO Credit CardABN AMRO · Charge cardCard type not re-confirmed
€2.552.00%Yesnot registerednot re-confirmed€1,500 a monthnetnot re-confirmed
Amex Blue CardAmerican Express · Charge cardCard type not re-confirmed
€3.002.50%Yesnot registerednot re-confirmed€30,000 a yeargrossnot re-confirmed

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