ING Visa Classic terms and conditions are available here
"}},{"componentType":"sectionTitle","title":"Why choose the ING Visa Classic?"},{"componentType":"productFeatures","highlighted":false,"image":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/333526c7cae0b875/original/Cards-Card_Silver_Visa_Filledin.svg","transformBaseUrl":"https://assets.ing.com/transform/bb19d5fe-83af-484c-ba75-ca619e6b8a1a/Cards-Card_Silver_Visa_Filledin","type":"image","width":24},"items":[{"body":"With your credit card, you pay a lower fee³ when you pay in a foreign currency and easily book hotels, flights or rental cars.","title":"Ideal for using abroad🌍"},{"body":"Buy today and pay next month with 0% interest (as long as the current account linked to your credit card is sufficiently funded at the time of the monthly debit).","title":"Pay next month, without interest 📆"}]},{"alignedImage":{"position":"right","extension":"svg","original":"https://assets.ing.com/m/71774bfab0fa964/original/Delivery-van-man-scene.svg","transformBaseUrl":"https://assets.ing.com/transform/bfaad2dd-8e3e-4c51-aab6-2327644a5d4e/Delivery-van-man-scene"},"componentType":"paragraph","richBody":{"value":"Benefit from three types of Insurance cover at no extra charge:
Your Visa Classic credit card is included for free in your ING More pack. Please note: fees may still apply for certain transactions made with your credit card (see FAQs for more details).
"},"title":"Included for free in the ING More pack"},{"alignedImage":{"position":"right","extension":"svg","original":"https://assets.ing.com/m/1f132e159307c895/original/tickets.svg","transformBaseUrl":"https://assets.ing.com/transform/e55eae1e-b114-4a8d-af79-189e251532bf/tickets"},"componentType":"paragraph","richBody":{"value":"Shop smart and get cashbacks up to 10% with ING+ Deals at major retailers, both online and in-store. Activate multiple deals in our app and watch your savings grow.
"},"title":"Cashbacks with ING+ deals​"},{"componentType":"highlight","richBody":{"value":"✅ 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.Â
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.Â
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.Â
"},"title":"How does a credit card work? "},{"richBody":{"value":"You pay a fixed mensual 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.Â
đźš« 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.Â
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"},"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.Â
đź’¸ 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.Â
🛡️ 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.Â
"},"title":"When is it better to use an ING credit card instead of an ING debit card?"},{"richBody":{"value":"Are you a private individual aged 18 or over? Already have an ING Current Account? You are eligible to apply for an ING Visa Classic credit card, the convenient way to pay worldwide!
"},"title":"I want an ING Visa Classic! Can I have one?"},{"richBody":{"value":"The standard monthly spending limit is set at 2,000 euros. If you would like to increase this limit, you can make a request via the "Service" tab in Digital Channels. Your request will be submitted to an advisor for approval.Â
"},"title":"What is the limit for this credit card?"},{"richBody":{"value":"From the "Overview" tab, press 'Services' at the bottom right of your screen. Then select the 'Limits' option in the 'Do it yourself' menu. Then choose 'Credit card' and follow the instructions.Â
"},"title":"How can I increase the limit on my ING Visa Classic from the ING Banking app?"},{"richBody":{"value":"Thanks to Verified by Visa, you can use your credit card with total peace of mind at all participating web shops. Your internet purchases are also insured against non-delivery or faulty delivery up to 750 euros per year. Discover the 3 free insurances you benefit from with your ING Visa Classic, including the Internet purchase delivery cover
"},"title":"How secure are my online purchases?"},{"richBody":{"value":"Your ING Visa Classic credit card comes with 3 different types of insurance cover at no extra charge.
Discover here the insurance offer and how to submit a claim file.
For all other information about this insurance, please refer to the general terms and conditions.
"},"title":"What types of insurance are included?"},{"richBody":{"value":"Simply follow these simple steps or take a look at our videos to manage your debit and credit cards.
"},"title":"How do I activate my ING Visa Classic credit card once I receive it?"},{"richBody":{"value":"Unlike some banks, your ING Visa Classic credit card is automatically activated for international use. No special action is required on your part. You have the freedom to make payments and withdraw cash in any country, completely securely.
"},"title":"What do I need to do to use my credit card abroad?"},{"richBody":{"value":"Of course! You can use any ATM or bank terminal displaying the Visa logo, both in Belgium and abroad. N.B. : It is not possible to deposit money on a credit card. It is not possible to make a transfer from a Visa Classic to another account.
"},"title":"Can I use the card to make cash withdrawals?"},{"richBody":{"value":"Hassle-free repayments: with your ING Visa Classic credit card, your monthly expenditure is repaid automatically. Each period is closed on the 27th of the month. The total amount owing for this period is then automatically debited from the ING Current Account linked to your ING Visa Classic credit card 9 calendar days later.
"},"title":"How and when do I pay for my purchases done with my ING Visa Classic credit card?"},{"richBody":{"value":"Check how much you’ve spent during the current and previous month via our secure smartphone app or Home’Bank. You’ll get a detailed picture of your spending and how much you can still pay with your ING Visa Classic credit card.
"},"title":"How do I keep track of my expenses?"},{"richBody":{"value":"Information relating to transactions carried out using your credit card is available on macarte.be.
You will find in particular
The validity of your credit card is 5 years. It is automatically renewed and a new card is sent 2 months before the expiry date.
"},"title":"How long is my credit card valid?"},{"richBody":{"value":"ING credit card monthly statements are available free of charge
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If you receive your account statements electronically, your credit card expenditure statements are also available online, via Zoomit. Registration in Zoomit is automatic; you don't have to do anything!
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Find out in detail how it works.
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If you receive your credit card expenditure statements in paper format, you can manage the delivery method in the ING Banking app and Home’Bank, and opt for the electronic version.
"},"title":"Where can I find my credit card expenditure statements?"},{"richBody":{"value":"From the "Overview" tab, press "Services" at the bottom right of your screen. Then select the "Cards" option in the "Do it yourself" menu. Then choose "Change the reception of your credit card statements” and follow the various steps.
"},"title":"How can I change the way I receive my ING Visa Classic statements?"},{"richBody":{"value":"Block your credit card online via  Home'Bank or Business'Bank or call Card Stop on +32 70 344 344 (0.30 euro/min) . You will automatically receive a new credit card at your home address. Visit this page for more information.
"},"title":"Card lost or stolen?"},{"richBody":{"value":"To block or remove a direct debit in euros (SEPA) from your Visa Classic credit card, you need to contact the website or your direct debit supplier directly.
"},"title":"How do I block or delete a direct debit on my Visa Classic credit card?"},{"richBody":{"value":"First check that the details you have entered are correct. It is also possible that your identity card is no longer up to date in our system. You can update your identity card by entering its PIN code at the Kiosk in an ING branch. It may also be a technical problem. Please try with another browser or reset your browser cookies.
"},"title":"What should I do if I encounter an error when applying for a Visa Classic credit card?"},{"richBody":{"value":"Do you have other questions about your ING Visa Classic? Discover how to check your PIN code, unblock your credit card, activate a new credit card or manage your credit card.
"},"title":"Other practical questions?"},{"richBody":{"value":"When the amount of a credit card transaction is refunded by a merchant, the amount is added to the card's available funds.
If your card has a positive balance on the 22nd of the month, this amount is automatically refunded to your current account.
Don't want to wait until the 22nd of the month? Make the request directly via macarte.be
"},"title":"How do I recover a positive balance that has been credited to my credit card?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Services and advice"},{"cards":[{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"svg","original":"https://assets.ing.com/m/3f6f60f9ba85b088/original/cardblockedscissors.svg","transformBaseUrl":"https://assets.ing.com/transform/b9171e1e-a9e6-46a7-8dfc-a963865d3201/cardblockedscissors","type":"image","width":160},"intro":"Replace it and apply for a new debit card.","link":{"url":"https://ebanking.ing.be/banking/daily-banking/replace-order-debit-card?EW=true"},"title":"Debit card broken?"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"altTextDE":"\"","altTextEN":"\"","altTextFR":"\"","altTextNL":"\"","extension":"png","original":"https://assets.ing.com/m/248ac75a915ee31/original/Cards-transfer_Outline_RGB.png","transformBaseUrl":"https://assets.ing.com/transform/36152b13-751e-4e60-9e02-3c67e99ebfdb/Cards-transfer_Outline_RGB","type":"image","width":267},"intro":"Find the card that suits you!","link":{"url":"/en/individuals/credit-cards/compare-credit-cards"},"title":"Credit cards selector"}],"componentType":"cards"}]},"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":"bca49205-0adc-4ee1-8e20-86711f72a6db","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.Â
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”.Â
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.Â
"}},{"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.Â
Below is an overview of the insurances included in the ING More pack.Â
For complete and detailed information, please refer to the terms & conditions of each insurance product and non-insurance service.Â
Travel insuranceÂ
The travel insurance is provided under AXA Partners Travel Assistance and is underwritten by Inter Partner Assistance SA. Â
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.Â
 Coverage limits:Â
- Medical assistance and expenses: up to €100,000Â
- Travel Accidents: up to €100,000Â
- Rescue and search costs: up to €30,000Â
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.Â
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. Â
Cyber protectionÂ
The cyber insurance is provided under EUROP ASSISTANCE S.A.Â
Coverage for direct financial losses in the event of identity theft. Â
Coverage limits: €250 for identity theft. The insurance covers a maximum of 1 claim per year. Â
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.Â
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 ProtectÂ
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.Â
Please note that this service is not automatically active. To use this service, activate it through the Protection Hub in your ING App.Â
For full details, please check the ID Protect service terms and conditions. Â
Delivery protectionÂ
The delivery protection insurance is provided under Chubb European Group SE.Â
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. Â
Eligible items include goods that are: purchased new for personal use, bought from a registered retailer and transported by a professional transport operator.Â
Coverage limit: €750 per year.Â
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.Â
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.Â
Purchase protectionÂ
The purchase protection insurance is provided under Chubb European Group SE.Â
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. Â
Coverage limits: €3,000 per claim and per year.Â
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 protectionÂ
The event cancellation protection is provided under Chubb European Group SE.Â
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.Â
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.Â
Coverage limit: €500 per year. The insurance covers a maximum of 1 claim per year. Â
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.Â
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. Â
Legal information concerning the ING More Â
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).Â
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:Â
- 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; Â
- 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;Â
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.Â
Fees are subject to change with prior notification.Â
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 Â
Read the following legal documents for more detailed terms & conditions:Â
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.Â
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 BelgiumÂ
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: CĂ©dric Lebegge - Marnixlaan/Avenue Marnix 24, B-1000 Brussels – Z730072E – 05/26 Â
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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