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If you already have an ING account or are planning to open one and want an accessible credit card with worldwide acceptance, a free first year, and full mobile control, the ING Credit Card is one of the most practical and reliable options for residents of the Netherlands.
In this simple, practical, and straightforward guide, you’ll learn exactly how to apply for the card, what significantly improves your approval chances, where to apply, how the card works in daily life, the real 2026 costs, and all the tips you need to avoid common mistakes. The process is almost entirely online, takes only a few days, and if you are already an ING customer with an active current account, approval is often very fast.
The ING Credit Card is issued in partnership with ICS (International Card Services) and comes with the Mastercard network. You get an entire year free of annual fees, and after that, you pay only €19.95 per year. It’s ideal for everyday use in the Netherlands, secure online shopping, travel across Europe, and for anyone who wants flexibility when paying their credit card bill without excessive hidden fees.
Basic Requirements to Get the ING Credit Card
Before applying, make sure you meet the following minimum requirements:
- Be at least 18 years old
- Legally reside in the Netherlands
- Have an active ING current account (mandatory)
- Possess a valid identity document (passport, EU ID card, or Dutch driver’s license)
- Provide recent proof of address (utility bill, rental contract, or bank statement)
- Have an approximate minimum net monthly income of €1,350 or sufficient declared assets in Box 3 of the Dutch tax system
ICS performs a credit assessment that includes a BKR check. Applicants with negative records or financial restrictions are often declined. Customers who have actively used their ING account for several months and maintain a healthy banking history generally have a much easier approval process.
What Really Improves Your Approval Chances?
ING and ICS assess risk using practical criteria. These actions can significantly improve your chances:
Be an Active ING Customer
Keep your account open for at least one or two months and use it regularly. Receive salary payments, pay bills, and make SEPA transfers.
Show Stable Income
Provide recent payslips, an employment contract, or ING account statements showing consistent monthly income.
Maintain a Clean BKR Record
Avoid late payments on loans, credit cards, or other financial obligations. A strong banking history with ING is highly valued.
Complete Everything Accurately
Incorrect information or document mismatches can result in automatic rejection.
Request a Realistic Initial Limit
Start with a moderate credit limit, such as €2,000–€3,000. After three to six months of responsible use, you can request an increase.
Submit High-Quality Documents
Ensure your photos are clear, recent, and well-lit during identity verification.
Avoid Multiple Recent Rejections
If you were declined within the last 30–60 days, wait before applying again and strengthen your documentation first.
By following these recommendations, most stable ING customers receive approval within 3 to 7 business days.
Step-by-Step: How to Apply for the ING Credit Card
Step 1: Open or Confirm Your ING Account
If you do not yet have an ING account, download the ING app or visit the ING website and open a current account. The process is fully digital and quick.
Step 2: Log Into the App or Online Banking
Access your account through the ING mobile app or internet banking platform.
Step 3: Go to the Card Section
Look for the “Kaarten” or “Creditcard aanvragen” section and select “ING Creditcard.”
Step 4: Complete the Online Application
Provide your personal information, monthly income, profession, and desired credit limit. The system may show a preliminary assessment based on your profile.
Step 5: Upload Your Documents
Submit your identity document and proof of address. ICS will verify everything securely.
Step 6: Wait for the Credit Review
You will receive updates through the app or by email. Approval generally takes between 3 and 7 business days.
Step 7: Activate Your Card
- Virtual card: Available immediately in the app for online purchases.
- Physical card: Delivered to your home within approximately 5–10 business days. Activate it through the app or by phone.
The entire process can be completed from home without visiting a branch.
How the ING Credit Card Works in Daily Life
Once approved, using the card is straightforward:
Payments
Use it like any Mastercard. Pay contactlessly, insert the chip, or shop online using 3D Secure authentication.
Cash Withdrawals
You can withdraw cash from ATMs, but fees apply: €4.50 per withdrawal plus 2% when withdrawing in foreign currencies.
Monthly Statement
A monthly statement is generated. You can pay the minimum amount (3% of the balance or €25, whichever is higher) or pay the full balance. Any unpaid amount accrues interest.
Mobile App
Manage everything through the ING or ICS app. View available credit, monitor transactions in real time, pay bills, and instantly block your card if necessary.
Digital Wallets
Add the card to Apple Pay or Google Pay and pay directly using your smartphone or smartwatch.
Security Features
Receive instant transaction notifications, benefit from EMV chip security, basic travel insurance (when trips are paid with the card), and 24-hour support for card blocking in case of loss or theft.
Credit Limit
Your initial limit is based on your financial profile and can be adjusted later.
The card is accepted almost everywhere in the Netherlands, including supermarkets, public transportation, restaurants, and international merchants.
Transparent Costs (2026)
- Annual fee: Free during the first 12 months, then €19.95 per year
- ATM withdrawals: €4.50 per withdrawal
- Foreign currency withdrawals: Additional 2%
- Purchases within the Eurozone: No extra fee
- Purchases in USD or other currencies: 2% currency conversion fee
- Additional cards: Up to 2 family cards available after approval
- Interest: Charged only on unpaid balances
There is no cashback program, but the overall cost remains relatively low, especially during the free first year.
Practical Tips for Using the Card
Use It as a Secondary Card
Keep your ING current account for salary deposits and fixed expenses while using the credit card for travel and larger purchases.
Enable All Notifications
Real-time alerts help control spending and detect suspicious activity quickly.
Pay the Full Statement Whenever Possible
Avoid interest charges and strengthen your credit profile.
Use the Digital Version
The virtual card provides an extra layer of convenience and security for online shopping.
Take Advantage of Travel Insurance
Pay for flights or hotel bookings with the card to activate included travel coverage.
Monitor Your Credit Limit
After several months of responsible use, consider requesting a higher limit if needed.
Avoid ATM Withdrawals
Using your ING debit card for cash withdrawals is usually more economical.
Common Problems and Solutions
Application Rejected
Wait 30–60 days, improve your financial documentation, and apply again.
Delayed Review
A processing period of 3–7 business days is normal. If it takes longer, contact ING support through the app.
Physical Card Delivery Delay
Track the status through the app and contact support if necessary.
High ATM Fees
Minimize cash withdrawals with the credit card whenever possible.
Real Advantages and Disadvantages
Pros
- Free first year
- Low annual fee afterward (€19.95)
- Worldwide Mastercard acceptance
- Basic travel insurance included
- Full integration with the ING app
- Convenient for existing ING customers
Cons
- Requires an active ING account
- Fees apply to ATM withdrawals and foreign currency transactions
- No cashback program
- Credit approval process can be strict
Conclusion
Getting the ING Credit Card in the Netherlands is straightforward, fast, and worthwhile if you already bank with ING or plan to do so. By following this practical guide, you will understand every step of the process, learn the strategies that genuinely improve approval odds, and avoid common application mistakes.
Start by accessing your ING account, navigating to the credit card section, and submitting your application. Within a couple of weeks, you could be using your new credit card with full mobile control, strong security features, and reasonable costs.
