The ING credit card has gained great popularity in the market, being one of the best credit cards that are demanded by being offered by the ING bank by offering multiple advantages. These cards have no renewal fees and are free year after year. You can also use it at any point of sale and make all your purchases, and what is better, by using the ING credit cards you get 3% discounts with the orange savings promotion or Shopping ORANGE. Do you want to know the details of the ING credit card?
If you have the Santander Smart account, you can get the Smart Premium credit card to make purchases at the end of the month without interest or commissions or defer payments in convenient monthly installments.
Other easily approved credit cards :
ING Credit Cards
As you already know, ING credit cards are famous being recognized for their many advantages and benefits, such as: Protection against fraudulent use, protection against theft, against loss or anti-fraud, which allows you to recover your money from any irregular use, not only in physical stores, also in virtual ones.
ING bank credit cards are also accepted in more than 30 million establishments around the world, it offers 3% discounts when refueling at stations and gas stations, also in businesses affiliated with Shopping NARANJA or Ahorro Naranja. Likewise, you have free accident insurance being able to contract the ING credit card without having to have an open account or payroll.
ING is also characterized by offering great flexibility in payment methods and without commissions. With ING bank credit cards, the customer freely decides his payment signature and you can change the way you pay whenever you want, you can even postpone individual purchases or increase the limit of the same when you need it.
The ING Bank, ING Direct or also known simply as ING, allows its customers to request their credit cards, so you can request the Mastercard credit card as the VISA in the format you want, on credit or debit, the service being also available both for individuals as well as companies.
ING credit cards are in great demand, among the most popular we highlight the ones shown below:
ING GOLD Mastercard Credit Card - Advantages and conditions
Currently, ING no longer sells the Gold Mastercard, but it was many users who hired it in its day. Among the benefits of this card, say that they are similar to those currently issued by the gold VISA, as you can see below:
+ You can defer payments of multiple receipts
+ 3% refund at Shell and Galp gas stations and service stations.
+ Free card, without issuance fee or for renewal or maintenance
+ Discounts in clothing and fast food establishments such as Starbucks, Springfield among others.
+ Travel coverage with the ING credit card, you will have travel accident insurance that includes coverage of up to € 120,000 for the cardholder and policyholders.
+ Discounts in establishments through the Ahorro Naranja or Shopping Naranja program.
+ Use the installment purchase with your ING Gold Mastercard credit card, to postpone purchases within a month and for an amount greater than € 90, to be returned in a period of 3 to 18 months. In this modality, the interest rate is lower than the fractioned one, TIN (nominal interest rate) of 14.06% while APR (equivalent annual rate) of 15%.
+ The Mastercard Gold Credit Card has a limit of € 3,500
ING's Gold Mastercard Credit Card has anti-fraud insurance so the cardholder can make purchases online with confidence, even if the card is lost or stolen.
ING VISA Gold Credit Card - Characteristics and conditions
The ING VISA Gold card is one of the most requested due to its fantastic advantages, among which we highlight the following:
- Free card, no issuance fee or renewal fee, therefore no maintenance fees
- Discounts at clothing and food establishments from Starbucks, Springfield, Woman Secret and others.
- 3% refund at Shell and Galp service stations and gas stations
- You can postpone paying multiple bills
- Sending SMS as a security measure for purchases over € 50
- Discounts in establishments with the Shopping Naranja and Ahorro Naranja program.
- € 3000 limit on the ORO ING Visa Credit Card.
- Installment purchase mode with your ING Visa Gold Credit Card, you can postpone one or more purchases in a month and for a total of more than € 90 to be reimbursed in terms between 3 and 18 months. The interest rate is lower than the installment payment, with a TIN of 14.06% and an APR of 15%.
- Payment method in installments with your ING Visa Gold Credit Card. So you can make the payment in 3,6,9,12 and up to 18 months, it carries an interest rate of 20.05% and commission of 22%.
- Contactless technology to make purchases faster.
How the ING Credit Card works
ING credit cards are one of the best and attractive cards in the world due to the enormous number of benefits mentioned above: 3% discount when refilling gasoline or fuel at Galp or Shell station, discount in stores selected by Shopping Naranja, without fees or commissions of any kind, free accident insurance that is accepted in more than 30 million establishments around the planet.
Another advantage that the ING bank offers on its credit cards are the forms of payment that it supports and that it does not charge commissions.
ING bank credit cards allow the customer to decide the payment method and change it whenever they want, you can postpone individual purchases and increase the limit when you need it.
How to activate the ING credit card
Once it reaches you, it will be deactivated, so you must first activate your ING bank credit card. You can do it through ING Direct assistance by calling the numbers below or by going to the URL that is also indicated.
They almost always ask you for a series of information to activate the credit card through ING Direct, necessary to verify that you are the holder of the credit card.
National helpline: 91 105 115
Assistance url http://www.ingdirect.es/sobre-ing/ayuda/…
Foreign assistance telephone + 34 916 349 280
How to pay the ING credit card
To pay the debt you have with your ING bank credit card you can do it from your payroll account, the money of the debt or from the phone.
In the same way, you can associate your account with your credit card so that the amount is withdrawn automatically without having to do anything at the end of the month.
You can also choose the option of making installment payments, the one that is made in terms of 3, 6, 9, 12 or 18 months. With an interest rate of 20.05% and an annual commission of 22%.
You can also postpone the purchase or several purchases within a month for an amount greater than € 90 to be returned between 3 to 18 months. The interest rate in this case will be lower, a nominal interest rate of 14.06% while a commission of 15%.
ING bank credit card limit
ING credit cards have different limits depending on the credit card agreement you have contracted, below we see the limits depending on the type:
ING Gold Visa Credit Card: € 3,000 limit
Gold Mastercard ING Credit Card: Limit € 3,500
Debit cards: They have no limit
The limit varies according to the client's profile and their bank movements, although the basic amounts are those that we have just indicated.
If you want to increase the credit card limit, you can go to your bank branch closest to your home, so that the credit analyst or authorized agent of the ING bank, evaluate your request according to the documents you provide and increase the limit of your card of credit.
ING Credit Card Insurance
Some credit cards have insurance, but where ING credit cards stand out is that they have up to 3 different insurances, among some indicated:
Coverage in case of robbery or robbery: There are bank credit cards that offer coverage in case of robbery or robbery. ING credit cards include coverage that recovers money in the event of robbery or theft.
The insurance applies only if the incident occurs immediately after the use of the ATM. Similarly, ING credit cards compensate the beneficiary if the cardholder loses his life in the incident.
Anti-fraud coverage: ING bank credit cards provide anti-fraud insurance so that the credit card holder can operate online with complete confidence.
You also have the money back guarantee in case of fraudulent use, if the card is stolen or the holder loses it.
ING card travel insurance
One of the best coverages that ING credit cards have is that they have life insurance. Ideal for many people who at the time of traveling take out additional insurance for the trip, as they consider it necessary.
Even so, although travel coverage or travel insurance may vary depending on the policy and different insurances, in addition to hiring high-cost travel insurance, many people are unaware of the travel insurance that credit cards have, more than enough to enjoy the visit and your holidays without worrying.
ING credit cards offer a large number of travel coverages, for example: Compensation for flight delay or cancellation and coverage or compensation for traveler assistance.
The coverage for assistance to the traveler includes the average expenses, the medical transfer, the search and location of the luggage, legal assistance or repatriation in case of death, among other things.
Also, travel insurance for credit cards usually gives you the possibility that if you pay for the trip with your ING credit card, you will have travel accident insurance, with coverage of up to 120,000 euros for the holder and policyholders of the cards.
In this way you can travel calmly, in the company of your family and friends and you will also be saving money because you avoid taking out extra travel insurance.
ING credit card without payroll
With the Sin Payroll Account (checking account) offered by the ING bank without commissions, you can have the same advantages as the Payroll Account but without direct debit payroll, you only have to maintain a monthly income of at least € 700 per month.
The account is available to all ING bank customers who have this account and can request debit and credit cards for free and without commissions, you can even make transfers and checks at no cost.
This account without payroll applies the same benefit as the accounts with Shopping Naranja or Ahorro Naranja payroll, with a 3% discount at Galp and Shell service stations when refueling.
In addition, the ING credit cards associated with the account without payroll offer discounts on brands within the Shopping NARANJA or orange savings program and a 10% annual discount on tolls in Spain and Portugal.
Experts point out that it is the perfect complement to the Orange Account since the Account Without Payroll allows you to direct debit receipts, withdraw money at ATMs, make transfers but without having to direct payroll. In this way we can point out as some of its advantages the following:
Credit cards and bank accounts with no administration fees and no maintenance fees
Urgent transfer service, therefore if you make a transfer before 1.30 in the afternoon, the money reaches the other bank the same day at no cost.
Free transfers without commissions or fees to Spanish entities, being able to transfer up to € 50,000 to any country in the European Union.
Discounts on brands selected by the Shopping Naranja or Ahorro Naranja program.
Free debit card, without commission or plastic issue or renewal fee. With the debit card you can withdraw money at the more than 60 thousand associated ATMs that the ING bank has.
10% annual discount on tolls in Spain and Portugal.
No fixed term
Visa or Mastercard credit card with no annual fee, in addition these credit cards have a 3% discount at gas stations and Galp or Shell service stations.
ING card abroad
ING credit cards are accepted in any country in the world as they give you the option of paying in any currency or currency, but this will mean paying commissions and expenses for international transactions.
In addition, if you are going to use the ING bank credit cards abroad, you can hire travel services in order to have coverage for travel assistance that covers medical expenses, medical expenses, luggage search, legal assistance, compensation for flight delay or cancellation, compensation for travel assistance and even repatriation in the event of death.
ATMs around the world accept ING credit cards, but this will incur an additional cost in fees that we will discuss later.
ING credit card - How much does it cost
To know how much you pay, you must first know the different payment methods presented by ING credit cards:
Monthly payment: Payment is made at the end of the month when the expenses incurred by the ING bank credit card are charged to the checking account.
Monthly deferred payment: In this payment, the amount spent at the beginning of the following month is returned, without interest or commissions
Purchase in installments: You can postpone one or more purchases within a month and for an amount greater than € 90, to be returned between 3 to 18 months. The interest rate will be lower than the installment payment, TIN 14.06% APR 15%
Split payment: payment is made in a term that varies between 3, 6, 9,12 or 18 months. The operation has an interest rate of 20.05% and commission of 22%.
How many commissions do the ING cards have?
ING card interest
According to information sent by ING to the Bank of Spain, the interest on your credit cards is as follows:
Credit facility of up to € 6,000 on a credit card focused on the acquisition of consumer goods: TIN 14.06% and APR 15%
Credit facility of up to € 4,000 on a credit card whose contract is not linked to the acquisition of consumer goods: TIN 20.05%, APR 22%.
ING card renewal commission
Unlike other banks, ING does not charge a commission for issuing or renewing the credit card.
It is undoubtedly one of the benefits of ING cards, since the rest of the banks usually charge it, amounts between 38 - 50 euros for renewing credit cards according to the Bank of Spain.
Depending on what you are paying, ING calculates the savings in commissions you get with them, an average of 106 euros per year.
Therefore, by switching to the ING credit card, you can save around 60 euros in total, between issuance and renewal per year.
ING card fees outside of Spain
These ING credit cards are free of commissions when withdrawing cash at ATMs associated with the country where the account is opened, but if things change abroad. If you go abroad and want to use an ATM you are charged a commission, below we explain in detail which ones are charged and why amounts:
Commission for withdrawing money from ATMs with the same currency: € 2
Withdrawing money at any ATM in your euro currency will cost you about € 2 per operation.
Therefore, if you travel to Germany for example and make a withdrawal, you will be charged € 2 for each withdrawal.
It does not matter if it is an ING bank ATM, it is indifferent, but you will also have to add the fee that the ATM charges you, which often ranges between 4-5 euros, depending on the bank and country.
In any case, this cost is informed by the cashier before starting the transaction, and no card is exempt from this commission.
Commission for withdrawing money in another currency: 3%
For withdrawing money in a currency other than the euro, the ING bank applies a Mastercard or Visa exchange rate, which changes depending on your card and applies 3% of the amount you withdraw.
Consequently, if you withdraw let's say € 100 in dollars at an ATM in the United States, they charge you € 3. If you withdraw the equivalent of € 200 in dollars at an ATM in the US, they charge you € 6. But remember, this fee for the use of the ATM will be informed before starting the transaction on the screen itself.
Commission payable in currency or currency other than the euro: 3%
If you make a purchase or payment with your credit card in a currency or currency abroad other than the euro, 3% of the value of your purchase will be applied.
Frequently asked questions ING credit card
Sometimes when you want to contract the ING credit card you have doubts and questions, for this reason in this section we answer the usual ones:
How long does it take for the ING credit card to arrive?
ING credit cards usually take up to 28 business days to reach your address, sometimes even three months. You do not have a stipulated time of arrival, it all depends on how quickly the credit card is issued.
While one arrives in a few days, others can take months, but no additional commissions are charged for the delay or sending of the credit card.
What is the limit amount I can get with the ING Credit Card
The limit of ING credit cards varies according to the limit that each one presents, let's see them:
Mastercard GOLD Ing Credit Card: Limit of € 3,500
Debit card: Unlimited
The ORO ING Visa Credit Card: € 3000 limit
The limit varies according to the client and the bank movements they have, but the bases are as stated.
If you want to increase the credit limit of the credit card you can go to your nearest ING office and request to increase the amount, there they ask you for some documents to evaluate your request and thus increase the limit of your credit card.
How to get the ING credit card
To get the ING credit cards from the ING bank, you must go to one of the ING bank offices or branches throughout the Spanish territory.
Then you must present your ID along with a series of data to request your credit card. If you have an associated payroll account it is usually faster, but you can also request it if you do not have a payroll account associated with the bank.
After submitting the required documents, ING experts evaluate your application and credit history to determine if you are eligible to sign the ING bank credit card.
How to pay off your ING credit card
If you wish to cancel or cancel your ING credit cards, you must call the following contact numbers:
- National helpline: 901 105 115
- Foreign assistance telephone: +34 916 349 280
To settle the ING card, you are asked a series of questions in order to confirm that you are the cardholder. You can also settle it from the official ING website.