The premium credit card

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!

• Administration fee: the ING Mastercard Gold credit card costs 51 euros per year.
• Payments: use the card to pay in hotels, restaurants, shops, supermarkets, and more within the euro zone at no extra charge. For payments made outside the euro zone, a foreign exchange margin of 2% will be applied.
• Cash withdrawals: if you use the card to withdraw cash in euros from an ATM, a fee of 6 euros + 1% of the amount withdrawn is applied. If you withdraw cash in euros from a bank branch, the fee is 8 euros + 1% of the amount withdrawn. For withdrawals outside the euro zone, a foreign exchange margin of 2% is applied to the amount withdrawn.

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

As the holder of an ING Mastercard Gold credit card, you are covered by 7 free insurance policies.

• Buyer's guarantee: purchases you make with your ING Mastercard Gold credit card are covered against accidental damage, street robbery and burglary. This insurance covers your items for up to 200 days after having bought them and up to 4,000 euros per claim or 8,000 euros per year. Attention, only individual items worth 50 euros or more (including VAT) are covered, and provided that you pay for them in full with your ING Mastercard Gold credit card.
• Internet purchase delivery cover: this insurance policy protects purchases you make online using your ING Mastercard Gold credit card. The policy can be triggered if your order is not delivered within 30 calendar days of the payment, or if the item or service ordered does not match the description on the order form. This insurance covers individual items with a cost of 50 euros or more (inclusive of VAT), providing they were paid for in full with your ING Mastercard Gold credit card and up to 1,250 euros per claim and per year.
• Extended manufacturer’s warranty: extends the original warranty by 12 months on goods with a minimum value of 50 euros and an original warranty of 2 years, provided they are purchased with your ING Mastercard Gold credit card.
• Bicycle Assistance: in the event of a breakdown or accident on a public road within 50km of their home address, the cyclist and their bicycle are transported either back home or to a repairer. In the event of theft, the cyclist is transported back home. This insurance covers the card holder and family members registered at the same address.
• Travel accident insurance: this policy covers international trips you make using public transport (by air, road or rail, etc.) or in a rental car that were paid for in full using your ING Mastercard Gold credit card. You or your estate can claim up to 200,000 euros in the event of your death or permanent disability, provided your time abroad does not exceed 60 consecutive days. You are also entitled to additional compensation up to 30,000 euros to cover investigation, rescue and/or repatriation costs.
• Travel cancellation insurance: if your trip is cancelled or cut short as a result of death, illness, serious accident, serious material damage to your property or the theft of your travel documents, you can claim compensation up to a limit of 6,000 euros per trip, per credit card and per year.
• Card fraud cover: you are insured against the fraudulent use of your ING Mastercard Gold credit card between the point it was lost or stolen and the point at which it was blocked by Card Stop.

You’ll find all the info you need to make a claim via the ING Mastercard Gold self-service page.

For all other information about these policies, please refer to the general terms and conditions and/or contact the agent or the insurer.

Simply follow these steps.

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

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.

The standard monthly spending limit is set at 5,000 euros. If you would like to increase this limit, you can make a request via the "Service" tab in Home'Bank.

Block your credit card online via ING Banking app, Home'Bank or Business'Bank or call Card Stop on +32 70 344 344 (0.30 euro/min) . You will receive automatically a new credit card at your home.

Your application for providing an ING Mastercard Gold credit card via www.ing.be is valid subject to acceptance by ING Belgium and does not bind you as long as you have not signed the Mastercard Gold credit card contract at your ING branch (subject to prior acceptance of your file by ING Belgium). ING has taken out insurance policies for its ING Mastercard Gold customers with

• Allianz AWP P&C S.A.- Belgian branch, 32, Boulevard Roi Albert II, 1000 Bruxelles – Belgique. Register of Companies 0837.437.919. Insurance company registered under FSMA-number 2769.

For details of the conditions, exclusions and limitations of the aforementioned insurance, please see the General Terms and Conditions of your Mastercard Gold credit card in any ING branch and at www.ing.be