✅ 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.
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?"},{"richBody":{"value":"No, ING does not offer a prepaid credit card.
If you would like to make payments in Belgium or abroad, you can use our debit or standard credit cards, which provide simple, secure and suitable solutions for your needs.
"},"title":"Does ING offer a prepaid credit card?"}],"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/518dc6ab-e1fe-4216-ab59-6700e0003960/732308-icons-summer-vibe_64x64.svg","transformBaseUrl":"https://assets.ing.com/transform/518dc6ab-e1fe-4216-ab59-6700e0003960/732308-icons-summer-vibe_64x64","type":"image","width":64},"textLink":{"text":"Request your credit card","url":"https://ebanking.ing.be/banking/mobile/daily-banking/request-credit-card?EW=true"}}]},"hasMacro":false,"id":"02d37f04-f8e3-4b51-86e2-9b81f80d5a12","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).
If you have applied for a new ING Visa Classic as part of your ING More pack from 01/05/2026 until 31/08/2026 (inclusive) you are also eligible for this offer.
"}},{"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 More pack includes insurance products designed to make your daily life safer, whether you are travelling, shopping online or attending events.
Below is an overview of the insurances included in the ING More pack.
For complete and detailed information, please refer to the terms & conditions of each insurance product and non-insurance service.
Travel insurance
The travel insurance is provided under AXA Partners Travel Assistance and is underwritten by Inter Partner Assistance SA.
It offers comprehensive protection for trips of up to 90 days, including urgent medical assistance and medical expenses abroad, teleconsultations and travel accidents. Your trips are insured as long as they are fully paid with the account linked to your ING More pack.
Coverage limits:
- Medical assistance and expenses: up to €100,000
- Travel Accidents: up to €100,000
- Rescue and search costs: up to €30,000
Exclusions apply, including medical expenses without prior approval, treatments received in your country of origin, pre‑existing medical conditions, travel against medical advice or for medical treatment, non‑essential or planned medical care, travel to destinations under official travel advisories, claims related to alcohol or drug use, professional or high‑risk sports including off‑piste winter sports, and events known before booking the trip, along with other limitations described in the terms and conditions.
Eligibility for insurance coverage is strictly limited to persons who are resident in Belgium.
For full details, please check the travel insurance terms and conditions.
Cyber protection
The cyber insurance is provided under EUROP ASSISTANCE S.A.
Coverage for direct financial losses in the event of identity theft.
Coverage limits: €250 for identity theft. The insurance covers a maximum of 1 claim per year.
Exclusions apply, including cash or goods theft, damage already covered by another insurer or by ING, incidents that occurred before the start of coverage; losses caused by poor cyber hygiene (such as missing security updates or lack of antivirus); incidents involving illegal or pirated software; failures of external infrastructures (e.g. internet or power outages); indirect or undocumented losses (e.g. loss of profit or reputational damage); and damage to or replacement of devices, along with other limitations described in the terms and conditions.
Eligibility for insurance coverage is strictly limited to persons who are resident in Belgium.
For full details, please check the cyber insurance terms and conditions.
ID Protect
A service that scans the deep and dark web to detect whether your personal data have been compromised, such as leaked credentials or illicit use of your information, and sends you alerts so you can take prompt action.
Please note that this service is not automatically active. To use this service, activate it through the Protection Hub in your ING App.
For full details, please check the ID Protect service terms and conditions.
Delivery protection
The delivery protection insurance is provided under Chubb European Group SE.
Coverage for eligible purchases not delivered, damaged or stolen during delivery, as long as you paid with the account linked to your ING More pack.
Eligible items include goods that are: purchased new for personal use, bought from a registered retailer and transported by a professional transport operator.
Coverage limit: €750 per year.
Exclusions apply, including negligence or non‑reported theft, certain categories of items such as jewellery, vehicles, cash, animals and perishables; damage, loss or theft caused by negligence (e.g., leaving parcels unattended for an excessive period); theft of items stored at a collection point; claims where proof of delivery shows a signature or photo; claims with no valid tracking information; and cases where an incorrect delivery address contributed to the loss, along with other limitations described in the terms and conditions.
Eligibility for insurance coverage is strictly limited to persons who are resident in Belgium.
For full details, please check the delivery guarantee terms and conditions.
Purchase protection
The purchase protection insurance is provided under Chubb European Group SE.
It covers the repair or replacement cost of eligible purchases of at least €50 in the event of accidental damage, theft or loss within 90 days of purchase (or delivery, if later), provided the item was paid for using the account linked to your ING More pack.
Coverage limits: €3,000 per claim and per year.
Exclusions apply, including purchases of live animals and plants, perishable goods, digital items and jewellery, as well as other categories such as cash, vehicles, antiques and collectibles; second‑hand or used goods; normal wear and tear, cosmetic damage or manufacturing defects; damage covered by the manufacturer’s warranty; damage or theft caused by carelessness, or negligence; theft of items left unattended; and items lost or stolen without timely reporting, such as theft not reported to the police within 48 hours, along with additional limitations described in the terms and conditions.
Eligibility for insurance coverage is strictly limited to persons who are resident in Belgium.
For full details, please check the purchase protection terms and conditions.
Event cancellation protection
The event cancellation protection is provided under Chubb European Group SE.
It covers refund of the non‑refundable part of your ticket for eligible cancellation reasons, as long as you paid the ticket with the account linked to your ING More pack.
Eligible reasons include: serious unforeseen illness, injury or death of you or an immediate family member; being required by the police after a burglary or major damage at home, delay or disruption of your transport, vehicle breakdown or accident causing over 3 hours’ delay.
Coverage limit: €500 per year. The insurance covers a maximum of 1 claim per year.
Exclusions apply, including events cancelled or changed by the organiser, tickets with travel or accommodation, business tickets, season passes, work obligations, known circumstances before purchase, pre‑existing medical conditions, pandemics , missing or invalid ID, along with additional limitations described in the terms and conditions.
Eligibility for insurance coverage is strictly limited to persons who are resident in Belgium.
For full details, please check the event cancellation insurance terms and conditions.
Legal information concerning the ING More
The ING More is a pack that contains an ING More account. The ING More Account is a current account for adult private individuals. It can be applied for in an ING branch or directly online at ing.be, by using the ING Home’Bank services or the ING Banking app, and is 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 More Account and no mandate holder can be authorized if an application is submitted online (via ing.be or the digital channels). 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).
The pack contains the following insurances: Travel insurance, Cyber protection insurance, Delivery protection, Purchase protection and Event cancellation protection. ING has taken out insurance policies as the policyholder for the benefit of its clients with Insurers: AXA Partners Travel Assistance, EUROP ASSISTANCE S.A, Chubb European Group SE, AWP P&C S.A
This pack also includes the following optional ancillary service:
- an ING Visa Classic credit card under the acceptation of ING Belgium, to be requested by (one of) the account holder(s). The relevant terms and conditions and information can be found on the Charges and regulations page on www.ing.be;
- an Amazon Prime subscription (provided by Amazon BE) to be requested by (one of) the account holder(s) on www.amazon.com.be and subject to the terms and conditions of Amazon mentioned on its website;
The account holder may waive/not request all or part of these ancillary services without price reduction. At any time, the customer may change or terminate the pack or the account, free of charge.
Fees are subject to change with prior notification.
Any opening of an ING More is subject to prior acceptance by ING Belgium SA/NV and mutual agreement. Terms and conditions of the ING More (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 following legal documents for more detailed terms & conditions:
Home'Bank, Business'Bank and the ING Banking app are available to all Home'Bank, Business'Bank or ING Banking subscription holders (subject to acceptance by ING and mutual agreement). All relevant information, such as the Home'Bank, Business'Bank, (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.
ING+ deals Belgium aims to offer its clients discounts or cashback at partner retailers such as Delhaize, Booking, Amazon, and more. For more information, visit ING+ deals: enjoy exclusive discounts - ING Belgium
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. - Publisher responsible: Cédric Lebegge - Marnixlaan/Avenue Marnix 24, B-1000 Brussels – Z730072E – 05/26
Insurance intermediary: Bolttech Europe Brokerage S.A.S. – 43 Rue de Liege, 75008, Paris, France – VAT: FR08 892665811 - RCS 892 665 811 – Plate-forme d'assurance intégrée | bolttech – Insurance broker, registered with the ORIAS under the number 21001112
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