ING
ING Creditcard
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
Banking features
Insurance coverage
Requirements
You will typically need: Dutch address, BSN number, valid ID/passport, and proof of income (payslip or employment contract).
How to apply
Gather your documents
Have your BSN number, valid ID or passport, proof of Dutch address, and proof of income (min. €1,000/month) ready.
Start the application
Visit ING's website and fill in the online application form. This typically takes 5–10 minutes.
Identity verification
Your identity will be verified and a BKR credit check will be performed. This is standard for Dutch credit cards.
Receive your card
Your card will arrive within 5 business days by post. Activate it online or via the app.
You'll need your BSN and proof of income
Quick facts
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