In the Netherlands, the ING Credit Card sits inside a simple, app-first flow that ties directly to an ING current account and the ICS (International Card Services) platform. Applicants complete identity checks, pass a BKR registration check, and choose a sensible spending limit that reflects income.
Across 2025, ING lists the standard ING Creditcard alongside a Platinum variant and a Student option, each issued on the Mastercard network through ICS.
Because Dutch retail favors debit, a credit card adds value for travel, hotel deposits, car rentals, and cross-border e-commerce where a deposit or imprint often appears.
What The ING Credit Card Is
ING offers consumer credit cards under the Mastercard brand with issuance and administration handled by International Card Services. ICS runs card onboarding, security checks, and identity verification through its ICS app and back-office systems.
The card links to an ING current account for settlement, and monthly statements outline activity, due dates, and minimum payment logic where applicable. Purchase insurance and delivery guarantees typically accompany the Dutch credit-card model, which helps in disputes around non-delivery or damaged goods.
Contactless and mobile wallet payments integrate cleanly, and transaction notifications surface inside both the ICS and ING environments.
Card Options At ING Netherlands
Applicants compare three mainstream options: the standard ING Creditcard, the Platinum upgrade, and a Student credit card. The core differences relate to annual fee, spending limit, and insurance scope.
Choosing between them turns on expected spend, travel frequency, and whether premium cover or concierge-style perks matter.
| Card Type | Annual Fee (Indicative, 2025) | Typical Limit Range | Insurance Scope | Notes |
| ING Creditcard | €22.80 per year | €1,000 to €5,000 | Purchase protection and delivery guarantee | Good all-rounder for daily online and travel use |
| Platinum Credit Card | €52.20 per year | Higher limits on assessment | Broader cover and higher caps | Best fit for frequent travelers and larger bookings |
| Student Credit Card | €14.40 per year | About €1,000 | Essentials tailored to students | Requires a matching student account status |
Figures reflect public ING pages consulted in December 2025. Packages and bundled discounts can affect totals, and ING may adjust fees during annual pricing reviews.
Eligibility And Requirements
Dutch issuers use consistent guardrails to keep credit stable and predictable. ING follows this approach through a combination of account history, income checks, and centralized credit reporting.
Small mismatches in names or out-of-date address proofs often trigger manual reviews, which drags timelines. Cleaning paperwork and aligning records before applying removes most friction.
Core Eligibility
Applicants must be at least 18 years old, hold or open an ING current account, and receive a recurring income paid into that account.
ING’s automated creditcard assessment also looks at account tenure and transaction behavior to confirm the relationship is established.
ICS then conducts external checks, including a BKR registration check through the Dutch National Credit Register to confirm there are no problematic listings. Residency in the Netherlands and a Dutch correspondence address remain essential for delivery and servicing.
Document Checklist
A valid passport, EU ID, Dutch residence permit, or Dutch drivinglicence is required for identity verification.
Proof that confirms work, study, or residence status helps close gaps that sometimes appear during onboarding. Payslips or other income evidence may be requested where automated checks need support.
Matching name order and birthdate across all documents prevents the most common verification delay.
Automated Assessment Notes
ING conducts a quick pre-check inside the application flow to confirm minimum income, account status, and basic criteria. ICS then finalizes the credit decision and establishes the initial spending limit.
If the outcome is conditional, expect a request for additional documents through secure channels rather than email attachments. Approved cards arrive to the registered Dutch address after PIN selection and final verification.
How To Apply Online Or In-App
Applications run fastest through the ING App or web banking, where your identity data and account profile prefill many fields.
ICS handles identity verification and card issuance, so expect a handoff to the ICS app for secure ID photos and liveness checks.
Preparation pays off here, since a poor photo of an ID chip or a reflective surface usually leads to a redo. Clear lighting, a flat document, and steady hands shorten the whole process.
- Open the ING App or log in to My ING, then select Apply for a credit card and choose the card type.
- Confirm personal details, Dutch address, and employment or income information, ensuring they match current records.
- Complete ICS identity verification inside the ICS Netherlands card app using a valid ID and a short selfie capture.
- Select a realistic spending limit, review the annual fee and due-date options, then submit the application for assessment.
- Pick a PIN when prompted, track status in ING or ICS, and activate the card on arrival before first use.
Fees, Rates, and Limits
Annual fees remain transparent and modest for the standard ING Creditcard, higher for Platinum due to expanded cover, and discounted for students. Interest on revolving balances appears as a variable debit interest rate determined by card and package; Dutch sites commonly show figures near the mid-teens in 2025 for credit-card revolving interest.
Cash advances attract specific fees, and foreign-currency transactions involve scheme rates plus issuer markup. Statements show a fixed monthly due date, which supports predictable cash-flow planning.
Paying the full statement balance avoids interest charges on purchases, while partial repayments trigger interest only on the revolving portion according to the applicable rate. Limits start conservatively, reflecting Dutch affordability standards, then scale after consistent on-time payments and stable income.
Security, Protections, and Insurance
Dutch issuers emphasize proactive fraud controls, push-notification alerts, and strong customer authentication on e-commerce transactions. The ICS environment allows temporary card blocks, PIN reminders, and transaction reviews in real time.
Purchase protection and delivery guarantees cover many card purchases for a defined period, including non-delivery and damage scenarios where merchant support fails. Platinum packages typically extend travel-insurance breadth and claim limits, but eligibility and activation rules should be read carefully inside app disclosures.
Contactless and mobile wallet support works out of the box for everyday retail, transit gates, and unattended terminals. Usage guides often reference ING contactless payments Netherlands to highlight tap-to-pay limits and PIN prompts that appear after a series of contactless transactions.
Common Mistakes and Quick Fixes
Short preparation windows and minor data mismatches create most application issues. A few small moves eliminate repeat requests and speed approvals.
- Mismatched names or address formats in the ING profile versus the ID cause extra checks, so align fields inside My ING first.
- Low-quality ID photos during ICS verification trigger repeats; shoot in neutral light and avoid glare or shadows.
- Overreaching on the first requested limit risks a downgrade; pick a conservative number, then request an increase later.
- Ignoring the monthly due date leads to fees and revolving interest; set an automatic debit for at least the statement amount.
- Using the card for ATM cash draws extra charges; rely on debit for cash and keep credit for card-friendly purchases.
Conclusion
In the Netherlands, the ING Credit Card works best when paired with disciplined setup and repayments.
After approval, enroll controls in the ING App and ICS, enable alerts, and schedule full balance payments.
Set a realistic limit aligned to income, then request increases only after consistent on-time history. Keep everyday purchases organized, prioritize card-friendly merchants, and reduce fees through timely repayments and smart settings.
