2 options :
The interest rate is communicated on an annual basis and expresses the debit interest due in the event of drawdown of the ING Card overdraft facility. In practice, it is calculated and applied on a monthly basis on the amounts not reimbursed, in proportion to the time elapsed.
The interest rate is indicated on the monthly statement.
"},"title":"What interest rate is applied?"},{"richBody":{"value":"According to the conditions laid down by law and included in your ING Card contract, the amount to be refunded monthly represents by default 10% of the total amount of your purchases with a minimum of 25 EUR.
The information on the mandatory minimum monthly refund is indicated on the monthly statement, in the lower part: “This amount of xxxxx€ will be automatically debited from your account BExx xxxx xxxx.”
The minimum monthly amount to be refunded applies if there is still an outstanding balance on your ING card, even if you have not used your card recently.
This amount is automatically deducted from your ING Card account on the first day of the month following receipt of your expenditure statement.
If you do not have an ING current account, you must transfer the amount to your ING Card account yourself.
If you do not repay the minimum monthly amount due from your ING Card, you will receive a reminder letter explaining the steps to follow. ING may also be required to terminate the contract and block your card.
"},"title":"Why do I have to pay back a minimum monthly amount?"},{"richBody":{"value":"The credit linked to the ING Card cannot be used indefinitely. According to the Consumer Credit Law, the holder of an ING Card must repay in full the amount used after a period fixed by law (called zero balancing period).
The end date of this zero balancing period is indicated on the monthly statement: ‘Zero-balancing: the total outstanding balance must be paid back by xx/xx/xxxx at the latest.’
For the zero balancing to take effect, your ING Card balance must remain at zero or above zero for at least 48 hours.
Warning letters are mailed to you 8 months and 2 months before the deadline to remind you of your repayment obligation.
"},"title":"Why do I have to pay back the entire balance on a specific date (zero balancing)?"},{"richBody":{"value":"If you do not repay the balance of your ING Card in full by the end of the zero balancing period, you are in breach of your credit agreement.
You will receive a reminder letter explaining the steps to follow and ING may be forced to terminate the contract and block your card.
"},"title":"What if I don't pay off the balance in full on time?"},{"richBody":{"value":"You can temporarily increase your card limit by transferring funds to your ING Card account: your credit card limit will be increased by the amount of the transfer. Funds are available within two business days.
It is not possible to permanently increase the limit of your ING Card.
"},"title":"How to transfer money to my ING Card credit card to raise my payment limit?"},{"richBody":{"value":"Your ING Card 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":"Which insurances are linked to my ING Card credit card?"},{"richBody":{"value":"Unlike some banks, your 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":"Check your expenses whenever you want: you can check the transactions of the current month and the previous month via the ING Banking app or Home’Bank. and have an overview of the available credit limit.
The total amount of expenses is debited from the ING Card account on the 28th of the month.
"},"title":"How do I keep track of my expenses?"},{"richBody":{"value":"You can dispute a transaction via the website macarte.be.
"},"title":"How do I dispute a transaction?"},{"richBody":{"value":"ING Card monthly statements are available free of charge
- Online
- or in paper format, sent by post
If you receive your account statements electronically, your ING Card expenditure statements are also available online, in downloadable PDF version.
"},"title":"How do I get my ING Card monthly statement?"},{"richBody":{"value":"You can request a duplicate of your ING Card monthly statements that are not available online or that were sent by post, by contacting ING Customer Service via chat, available 24/7 in the ING Banking app.
"},"title":"How to request a copy of my ING Card monthly statement?"},{"richBody":{"value":"From the 'Overview' tab, tap 'Services' at the bottom right of your screen. Then select the 'Cards' option in the 'Do it yourself' menu. Then choose 'Credit cards' and tap 'Terminate'.
Log in using the ING Banking app or itsme®. Click on 'Go to the Self-Service corner' under the 'Services' tab on the left of your screen. Then choose 'Terminate your credit card' in the 'Credits card' menu and follow the various steps.
"},"title":"How can I terminate my ING Card credit card?"},{"richBody":{"value":"
You can find the zero balancing date of your ING Card credit card at the bottom of your expenditure statement.
"},"title":"Where can I find the zero balancing date of my ING Card credit card?"},{"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"},{"accordionList":[{"richBody":{"value":"The method of receiving monthly ING Card statements is linked to the method of receiving your account statements.
To change the method of receiving your account statements, go to:
If you choose the digital format, a valid email address is required.
Do you opt for paper format? Account statements as well as ING Card monthly statements will be sent by post. Please note, while sending the ING Card monthly statement is free, sending account statements is subject to charges.
"},"title":"How do I change the sending method of my ING Card statements?"}],"componentType":"accordion"}]},"hasMacro":false,"id":"e3408e8d-9a4a-4014-a4e3-32d7588666a0","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Credit cards","url":"/en/individuals/credit-cards"}},"componentType":"editorialHeader","coreHeader":{"body":"Here is some useful information.\r\nDon’t hesitate to take a look at the back of your monthly statement. You will find important information there.","subtitle":"You have questions about using your ING card?","title":"ING Card credit card"},"date":"2025-03-18","readingTime":5},"publishDate":"2026-04-02T12:45:46.420+02:00"}}