✅ Choose and apply
Choose the ING credit card that fits you and apply online between 1 May and 31 August 2026.
💳 Pay this summer
Use your new credit card for all purchases this summer. In Belgium or abroad. Online or in store.
🔄 Get cashback automatically
You receive 5% cashback on all your purchases, with a maximum total cashback of €50, paid out at the end of summer. No action needed.
Yes, you can request a Visa Classic credit card included in your ING More pack (subject to approval). No additional fee applies as long as you keep the pack.
Discovers all the ING More pack benefits here
"},"title":"Is a credit card included in the ING More pack?"},{"richBody":{"value":"Unlike a debit card, payments made with a credit card are not immediately deducted from your bank account. Instead, they are postponed to a later date—often at the beginning or middle of the following month.
Visa Classic: each billing period closes on the 27th of the month. The total amount due for that period is automatically debited 9 calendar days later from the ING current account linked to your credit card.
Mastercard Gold: each billing period closes on the 7th of the month. The total amount due for that period is automatically debited 9 calendar days later from the ING current account linked to your credit card.
"},"title":"How does a credit card work?"},{"richBody":{"value":"You pay a fixed monthly fee (see comparison table above). If you paid in euros and there is enough money in your current account at the time of the monthly closing, no additional fees or interest will apply.
🚫 Important to know: fees are charged if you withdraw cash from an ATM using your credit card. That’s why we recommend using your ING debit card for this type of withdrawal whenever possible, both in Belgium and abroad.
"},"title":"What fees might I have to pay?"},{"richBody":{"value":"🌍 When making payments in currencies other than euros, because the exchange margin is lower (2% vs 3.9%). However, it’s still best to use your ING debit card for ATM withdrawals whenever possible.
💸 A credit card is also very practical for making large purchases at the end of the month, since the amount is only debited from your account later—often at the beginning or middle of the following month.
🛡️ Lastly, every payment made with your credit card is automatically covered by additional insurance. 👉 When in doubt, it’s always better to use your credit card for major purchases or holiday bookings.
"},"title":"When is it better to use an ING credit card instead of an ING debit card?"},{"richBody":{"value":"If you are an ING Visa Classic credit card holder, you benefit from 3 included insurances: purchase guarantee, delivery of goods purchased on the Internet and travel accident. Read our article to find out how to make an insurance claim. (Insurers: Zurich Insurance Europe AG, Belgian Branch and Cover-More). Do you have an ING Mastercard Gold or Visa Gold? Find out which insurances are included in our article.
"},"title":"What insurances are included in my credit card?"},{"richBody":{"value":"It's easy to manage your debit and credit cards, such as viewing your spending statement, changing your limit or replacing a faulty card.
"},"title":"Can I easily manage my credit card?"},{"richBody":{"value":"You can easily manage your credit cards and check your spending statements online.
"},"title":"How can I best manage my credit card expenses?"},{"richBody":{"value":"This 10-digit reference can be found on your monthly statement.
"},"title":"What is the customer reference linked to my credit card?"},{"richBody":{"value":"With the ING Mastercard Business, you maintain complete control over your business expenses and enjoy the benefits of a card specifically designed for business owners. This card provides insight into both your own business expenses and those of your employees, allowing you to manage purchases efficiently. Whether you make frequent business purchases, travel often for work, or want to optimize your cash management, the ING Mastercard Business is an essential tool for any enterprise.
Discover all the benefits of the ING Mastercard Business here.
"},"title":"Looking for a credit card for your business?"}],"componentType":"accordion"}]},"freeHeaderZone":{"flexComponents":[{"body":"Enjoy","bodyBold":"5% cashback on all your summer purchases,","bodyThree":"with a maximum total cashback of €50 by paying with your new ING credit card.*","componentType":"promotionalBanner","date":{},"icon":{"extension":"svg","original":"https://assets.ing.com/asset/7d317fce-b496-4246-be05-2f1ba573c1a2/732308-icons-summer-vibe_160x160.svg","transformBaseUrl":"https://assets.ing.com/transform/7d317fce-b496-4246-be05-2f1ba573c1a2/732308-icons-summer-vibe_160x160","type":"image","width":160},"textLink":{"text":"Request your credit card","url":"https://ebanking.ing.be/banking/mobile/daily-banking/request-credit-card?EW=true"}}]},"hasMacro":false,"id":"ec1582c0-c247-43c9-b9f1-371faebd2990","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notes"},{"componentType":"paragraph","richBody":{"value":"The 5% cashback applies to all transactions you make with your ING Visa Classic or ING Mastercard Gold from 01/05/2026 until 21/09/2026 (inclusive). The cashback is limited to a total of 50 euros. We will transfer this amount in one go on 15/10/2026 at the latest to the current account linked to your credit card. Only customers who have received the communication about this promotion are eligible for this offer. The promotion is applied automatically on condition that you have made the payments with an ING Visa Classic or ING Mastercard Gold that was applied for from 01/05/2026 until 31/08/2026 (inclusive).
"}},{"componentType":"paragraph","richBody":{"value":"2. You won’t pay any interest, provided the current account linked to your credit card has sufficient funds at the time of the monthly debit.
3. When making payments in currencies other than the euro, the exchange margin is lower with an ING credit card compared to an ING debit card (2% vs 3.9%). However, it’s still recommended to use your ING debit card for ATM withdrawals whenever possible.
"}},{"componentType":"paragraph","richBody":{"value":"Your application for providing an ING Visa Classic or Mastercard Gold credit card via www.ing.be or Home'Bank is valid subject to acceptance by ING Belgium and does not bind you as long as you have not signed the contract either via Home’Bank or at your ING branch (subject to prior acceptance of your file by ING Belgium.
ING has taken out insurance for its ING Classic Visa and Gold MasterCard customers with Zurich Insurance Europe AG, Belgian Branch (“ZURICH”), Da Vincilaan 5, 1930 Zaventem, (Register of Companies BE 0882.245.682 - Insurance company registered under FSMA-number 2079). You can waive the free cover of this insurance. To find out more about the terms, conditions, exclusions and restrictions of the aforementioned insurance policies, please read the Visa and MasterCard general terms and conditions. They are available from your ING branch or at www.ing.be, under “Charges and Regulations”.
The Home'Bank, Business'Bank and ING Banking app are available free of charge (apart from the costs of your telecom operator or certain transactions, such as international transfers) (SEPA) to all Home'Bank, Business'Bank, ING Smart Banking or ING Banking subscription holders (subject to acceptance by ING and mutual agreement). All relevant information, such as the Home'Bank, Business'Bank, ING Smart Banking (annexed to ING’s General Regulations), the General Terms and Conditions of the ING Banking app, transaction fees, is available on www.ing.be, at your ING branch and by telephone on 02 464 60 04.
"}},{"componentType":"paragraph","richBody":{"value":"The ING Do More Pack contains an ING Green account. The ING Green Account is a current account for adult individuals. It can be applied for in an ING branch or directly online (at ing.be), or by using the ING Home’Bank services, and can be opened upon signature of an account opening form at an ING branch or remotely in the case of online applications. Online applications to open an account (via ing.be) are reserved solely for legally competent private individuals residing in Belgium at the time of application and with an e-mail address. A maximum of two account holders per ING Green Account and no mandate holder can be authorized if an application is submitted online (via ing.be). Unless otherwise agreed, if there are two account holders, each holder has the same administrative powers and signs alone for his or her transactions (including closure of the account).
Pack with a monthly flat fee of 5.00 euros. A total of at least 700 euros deposited each month on the account results in a reduction of the monthly flat fee from 5.00 euros to 1.90 euros per month. This applies to every month in which the conditions are met. Deposits from an own ING private account are not considered for the discount.
To allow you to take the necessary measures, you will benefit exceptionally from the discounted monthly flat fee of 1.90 euros for the first two months after the opening of the package. Thereafter, you pay the monthly flat fee depending on whether you meet the condition of at least 700 euros of incoming transfers per month. ING will check on your account every month if this condition is met.
No monthly flat fee will be charged to the account if all holders are between 18 and 25 years old. Subject to the applicable taxes.
ING Do More Pack holders have the option to request a Visa Classic credit card that is free in the first year. This offer is only valid if this is the only and first credit card linked to the pack. Afterwards, the monthly fee of the Visa Classic credit card is charged. This fee is 2.25 euros per month, or 0.83 euros per month when you’re younger than 26 years old. Your request to provide a credit card via ing.be is valid subject to acceptance by ING Belgium and does not bind you as long as you have not signed the ING Visa Classic contract.
ING has taken out insurance policies for its ING Visa Classic customers with Zurich Insurance Europe AG, Belgian Branch (“ZURICH”), Da Vincilaan 5, 1930 Zaventem, (Register of Companies BE 0882.245.682 - Insurance company registered under FSMA-number 2079). For details of the conditions, exclusions and limitations of the aforementioned insurance, please see the General Terms and Conditions of your ING Visa Classic credit card in any ING branch and at ing.be.
Fees are subject to change with prior notification.
The ING Do More Pack also contains two insurances: Purchase Protection Insurance and Ticket Cancellation Insurance
ING has contracted insurances for its Do More Pack holders with:
Claims handling for the insurance policies included in the Do More Pack will be performed by:
You can find the full conditions, exclusions and limitations of the above insurances in the General Terms and Conditions Insurances as well as the Insurance Product Information Document at all ING branches and on ing.be. The ING Green Account is also available without those insurances.
Any opening of an ING Do More Pack is subject to prior acceptance by ING Belgium SA/nv and mutual agreement. Terms and conditions of the ING Do More Pack (regulations, rates, Fee Information Document and additional information) are available at all ING branches, at ing.be or by phone on +32 2 464 60 04
Read the:
the Charges Applied to the Main Banking Services and Transactions for private use (PDF),
the list of authorised transactions for each co-holder (PDF),
and the General information regarding accounts and cards (PDF).
ING Belgium NV/SA – Bank/Lender – Marnixlaan/Avenue Marnix 24, B-1000 Brussels – RLP Brussels – VAT: BE 0403.200.393 - BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789 – www.ing.be – Contact us via ing.be/contact – Insurance broker, registered with the FSMA under the number 0403.200.393.
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