Anúncios
If you live in the Netherlands and are looking for an affordable credit card with worldwide acceptance, full mobile control, and an initial period with no cost, the ING Credit Card is one of the most attractive options offered by traditional Dutch banks.
Issued by ING in partnership with ICS (International Card Services) and running on the Mastercard network, this card offers modern security, flexible bill payments, and a full year with no annual fee—after that, the cost drops to just €19.95 per year. It’s an ideal choice for everyday use, secure online shopping, and travel across Europe or beyond without paying high hidden fees.
This complete and updated guide covers everything you need: key advantages, clear 2026 fees, approval requirements, how the card works in practice, and answers to the most common questions.
Key advantages of the ING Credit Card
One of the biggest highlights is its global Mastercard acceptance. You can use the card in millions of physical stores, websites, and apps worldwide—whether in the Netherlands, across Europe, or in more distant destinations.
Full digital management via the ICS app
Available for iOS and Android, the app lets you track spending in real time, check your credit limit, pay bills, and receive instant transaction alerts.
Strong security features
All online purchases use 3D Secure authentication, combined with real-time notifications to reduce fraud risk. You can also use a dedicated digital version of the card for safer online shopping.
Personalized credit limit
Your limit is based on your income and financial profile. With responsible usage, you can request increases directly through the app.
Great for travel and international use
The card offers worldwide acceptance, ATM withdrawals, and automatic currency conversion—making it practical for frequent travelers.
Contactless and mobile payments
Compatible with Apple Pay, Google Pay, and NFC payments. You can pay simply by tapping your phone or smartwatch.
Physical + digital card
You receive the physical card at home and can also use a digital version for extra security online.
Fees and conditions (2026)
- Annual fee (first 12 months): Free
- Annual fee (after first year): €19.95
- ATM withdrawals: €4.50 per transaction + 2% in foreign currency
- Purchases in eurozone: No extra fee
- Purchases in foreign currency: 2% conversion fee
- Cashback: Not available
- Minimum payment: 3% of the balance or €25 (whichever is higher)
- Additional cards: Up to 2 extra cards for family (subject to approval)
- Credit limit: Defined after individual analysis
The pricing is competitive, especially with the first year completely free.
Who can apply for the ING Credit Card?
To apply, you must:
- Be at least 18 years old
- Live in the Netherlands
- Have an active ING current account (mandatory)
- Provide a valid ID
- Submit recent proof of residence
- Pass the ICS credit check
Approval depends on your financial history. People with negative records in the BKR (Dutch credit bureau) may be declined. Customers with stable income and a good track record with ING usually have higher chances of approval.
The application process is fully online: fill out the form, upload documents, and wait for the review. Approval typically takes a few business days.
Is the ING Credit Card safe and reliable?
Yes. ING is one of the largest banks in Europe, and its partnership with ICS ensures high security standards. The card includes:
- EMV chip + PIN for in-store transactions
- Continuous fraud monitoring
- Dispute protection
- 24/7 support for blocking the card if lost or stolen
Additionally, when you pay for travel (flights or hotels) with the card, you automatically receive basic travel protection. Everything is integrated into the ING app for full transparency and control.
Who is the ING Credit Card ideal for?
This card is especially suitable for:
- ING customers who want a credit card with no cost in the first year
- People making international purchases who prefer clear and low fees
- Frequent travelers who value included travel insurance
- Users who want flexible bill payments (minimum or full payment)
- Anyone seeking simplicity, global acceptance, and digital control
It doesn’t offer perks like cashback or rewards, but it delivers the essentials with the reliability of a major Dutch bank.
ING Credit Card vs bank promotions
The card itself already offers a free first year and travel insurance. Within the ING ecosystem, you may also find occasional partner promotions (discounts on e-commerce, travel, or experiences), but these vary over time. There is no fixed cashback or rewards program in the basic version.
Conclusion
The ING Credit Card is a solid and modern option for anyone who already has—or plans to open—an ING account in the Netherlands. With a free first year, global Mastercard acceptance, strong security, and easy app management, it offers a great balance between practicality and low cost for everyday use, online shopping, and travel.
If you value the reliability of a traditional bank combined with digital convenience, it’s definitely worth considering. The application process is simple, fast, and fully online—within a few days, you could already have your card ready to use.
Frequently asked questions
Is there an annual fee?
Yes. The first year is free, then €19.95 per year.
Do I need to be an ING customer?
Yes. An active current account is required.
Is the application 100% online?
Yes. Everything is done through the ING website or app with secure verification.
Does it work outside the Netherlands?
Yes. It is accepted worldwide wherever Mastercard is accepted.
Is it compatible with Apple Pay and Google Pay?
Yes, fully compatible with contactless payments.
Does it help build credit history?
Yes. Responsible use and on-time payments improve your BKR credit score.
