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.
"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/e55eae1e-b114-4a8d-af79-189e251532bf/tickets","original":"https://assets.ing.com/m/1f132e159307c895/original/tickets.svg","extension":"svg"}},{"componentType":"sectionTitle","title":"Apply for this credit card"},{"componentType":"cta","textLink":{"url":"https://ebanking.ing.be/banking/mobile/daily-banking/request-credit-card?EW=true","text":"Apply for my credit card"}},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"componentType":"accordion","accordionList":[{"title":"What types of insurance are included?","richBody":{"value":"As the holder of an ING Mastercard Gold credit card, you are covered by 7 free insurance policies.
Discover here the insurance offer and how to submit a claim file.
For all other information about these policies, please refer to the general terms and conditions.
"}},{"title":"What fees might I have to pay? ","richBody":{"value":"You pay a fixed monthly fee of €4.25. 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":"When is it better to use an ING credit card instead of an ING debit card? ","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":"How does a credit card work? ","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":"I want an ING Mastercard Gold! Can I have one?","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 Mastercard Gold credit card, the secure, reliable way to pay, accepted worldwide!
"}},{"title":"What do I need to do to use my credit card abroad?","richBody":{"value":"Unlike some banks, your ING Mastercard Gold 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":"How do I activate my credit card once I receive it?","richBody":{"value":"Simply follow these simple steps or take a look at our videos to manage your debit and credit cards.
"}},{"title":"How and on what date do I pay for my purchases?","richBody":{"value":"With your ING Mastercard Gold credit card, your monthly expenditure is repaid automatically. Each period is closed on the 7th of the month. The total amount owing for this period is then automatically debited from the ING current account linked to your ING MasterCard Gold 9 calendar days later.
"}},{"title":"How can I keep track of my expenses?","richBody":{"value":"Monitor your spending however and whenever you choose: 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 have available to pay for purchases with your ING Mastercard Gold credit card.
"}},{"title":"A question related to my credit card spending?","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 can I increase the limit on my Mastercard Gold from the ING Banking app?","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 "Modify your credit card limit” and follow the various steps.
"}},{"title":"Card lost or stolen?","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":"Where can I find my credit card expenditure statements?","richBody":{"value":"Monthly statements of the Visa Classic, Visa Gold and Mastercard Gold credit cards are available free of charge
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!
Find out in detail how it works.
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":"How secure are my online purchases?","richBody":{"value":"Thanks to Mastercard SecureCode. 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 1 250 euros per year. Discover the 7 free insurances you benefit from with your ING Mastercard Gold, including the Internet purchase delivery cover.
In addition, Mastercard offers protection against returns. This allows you to shop online without worries and with even more confidence. Up to 3 reimbursements per year, up to 30 EUR per request and up to 30 days after receipt of the goods, you can request a refund of the return shipment.
"}},{"title":"Other practical questions?","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":"How do I block or delete a direct debit on my Mastercard Gold credit card?","richBody":{"value":"To block or remove a direct debit in euros (SEPA) from your Mastercard Gold credit card, you need to contact the website or your direct debit supplier directly.
"}},{"title":"What should I do if I encounter an error when applying for a Mastercard Gold 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":"How do I recover a positive balance that has been credited to my 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
"}}]},{"componentType":"sectionTitle","title":"Services and advice"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Credit card broken?","intro":"Replace it and apply for a new credit card.","image":{"transformBaseUrl":"https://assets.ing.com/transform/b9171e1e-a9e6-46a7-8dfc-a963865d3201/cardblockedscissors","type":"image","width":160,"original":"https://assets.ing.com/m/3f6f60f9ba85b088/original/cardblockedscissors.svg","extension":"svg"},"link":{"url":"https://ebanking.ing.be/banking/replace-your-credit-card?EW=true"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Compare our Credit Cards","intro":"And find the one for you!","image":{"transformBaseUrl":"https://assets.ing.com/transform/0042fd03-f978-4445-8b73-1c4d8154a5eb/Man-on-staircase","type":"image","width":5921,"original":"https://assets.ing.com/m/d285fd0ac56ab5/original/Man-on-staircase.jpg","extension":"jpg"},"link":{"url":"/en/individuals/daily-banking/compare-credit-cards"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Personal loan","intro":"Installment loan for purchases like holidays, events, or unexpected expenses.","image":{"transformBaseUrl":"https://assets.ing.com/transform/e708abd7-9868-4dcc-9d3b-36584366bbb8/Large_MS_PPT_Web-Celebration-814x360","type":"image","width":814,"original":"https://assets.ing.com/m/159f4fb75a210b0f/original/Large_MS_PPT_Web-Celebration-814x360.jpg","extension":"jpg"},"link":{"url":"/en/individuals/borrowing/personal-loan"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Get cashbacks on your purchases","intro":"Pay with your ING cards at the selected retailer and get cashbacks up to 11%.","image":{"transformBaseUrl":"https://assets.ing.com/transform/37bc04ea-f3ac-499a-945e-0576e0e1b607/deals-woman-shopping-bags","type":"image","width":8192,"original":"https://assets.ing.com/m/1d05b1ae693addd7/original/deals-woman-shopping-bags.jpg","extension":"jpg"},"link":{"url":"/en/individuals/daily-banking/ing-plus-deals"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Click to Pay","intro":"How to activate and use Click to Pay","image":{"transformBaseUrl":"https://assets.ing.com/transform/5b4a8617-83c9-4a7a-a5e3-73bdcee66986/Mortgages-YOUNG-MAN-IN-MID-AIR","type":"image","width":4766,"altTextEN":"young man in mid air","altTextNL":"jonge man in de lucht","altTextFR":"jeune homme dans les airs","original":"https://assets.ing.com/m/5692580032446261/original/Mortgages-YOUNG-MAN-IN-MID-AIR.JPG","extension":"jpg"},"link":{"url":"/en/individuals/daily-banking/click-to-pay"}}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notes"},{"componentType":"paragraph","richBody":{"value":"1. The 5% cashback applies to all transactions you make with your ING credit card from 01/04/2026 until 30/04/2026 (inclusive). The cashback is limited to a total of 50 euros. We will transfer this amount in one go on 01/06/2026 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 credit card that was applied for from 27/02/2026 until 15/03/2026 (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.
"}}]}}}