ING PuntenUpdated 27 February 2026
ING Creditcard
by ING
Monthly fee
€2.00
Foreign fees
2%
Insurance
Included
Network
mastercard
Best for:ING CustomersLow CostEveryday
Basic credit card for ING account holders. Earns ING Punten through shopping portal. 365-day purchase protection included.
Rates last verified: 27 February 2026
The verdict
What we like
- +Low annual fee (€24)
- +365-day purchase protection
- +ING Punten rewards program
- +Integrates with ING app
What to consider
- -2% foreign transaction fee
- -Requires ING current account
- -Basic rewards value
- -Limited to €5,000 credit limit
Financial details
Monthly fee€2.00
Foreign transaction fee2%
Credit limit€1,000 – €5,000
Interest-free period21 days
Late payment fee€12
Banking features
Card networkmastercard
Daily ATM withdrawal limit€300
ATM fees€2.50 per withdrawal
Contactless paymentsSupported
Apple PaySupported
Google PaySupported
Choose your PINYes
Max cards per account1
Free replacement cardNo
Insurance coverage
Purchase protectionIncluded
Purchase protection deductible€75
Travel insuranceNot included
Flight delay insuranceNot included
Baggage insuranceNot included
Car rental insuranceNot included
Cancellation insuranceNot included
Medical insuranceNot included
Legal assistanceNot included
Fraud protectionIncluded
24h helplineNot available
Requirements
Minimum net income€1,000/month
BKR credit checkRequired
Delivery time5 business days
You will typically need: Dutch address, BSN number, valid ID/passport, and proof of income (payslip or employment contract).
How to apply
1
Gather your documents
Have your BSN number, valid ID or passport, proof of Dutch address, and proof of income (min. €1,000/month) ready.
2
Start the application
Visit ING's website and fill in the online application form. This typically takes 5–10 minutes.
3
Identity verification
Your identity will be verified and a BKR credit check will be performed. This is standard for Dutch credit cards.
4
Receive your card
Your card will arrive within 5 business days by post. Activate it online or via the app.
Monthly fee
€2.00/mo
You'll need your BSN and proof of income
Quick facts
Provider
ING
Rewards
ING Punten
Tap to pay
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