The classic 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 Visa Classic credit card, the convenient way to pay worldwide!

• Administration fee: an ING Visa Classic credit card costs 27 euros per year, and 10 euros if you are aged under 26.
• 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• Cash withdrawals: if you use the card to withdraw cash in euros from an ATM, a fee of 6 euros + 1% of the amount withdrawn is applied. If you withdraw cash in euros from a bank branch, the fee is 8 euros + 1% of the amount withdrawn. For withdrawals outside the euro zone, a foreign exchange margin of 2% is applied to the amount withdrawn.
• Replacement card: free in case of a defect. 9.99 euros in the event of loss or theft. .
• Spending limit increase: free if requested online or by phone. If requested at an ING branch, also free if you have an ING Green Account or 5 euros for holders of an ING Lion Account.

The standard monthly spending limit is set at 2,000 euros. If you would like to increase this limit, you can make a request via the "Service" tab in Home'Bank.

Thanks to Verified by Visa, you can use your credit card with total peace of mind at all participating web shops. Your internet purchases are also insured against non-delivery or faulty delivery up to 750 euros per year.

Your ING Visa Classic credit card comes with 3 different types of insurance cover at no extra charge.

• The buyer's guarantee: purchases you make with your ING Visa Classic credit card are covered against accidental damage, street robbery and burglary. This insurance covers your items for up to 90 days after payment was made and up to 3000 euros per claim and per year. Attention, this only applies to individual items with a cost of 50 euros or more (inclusive of VAT), providing they were paid for in full with your ING Visa Classic credit card.
• Internet purchase delivery cover: this insurance policy protects purchases you make online using your ING Visa Classic credit card. The policy can be triggered if your order is not delivered within 30 calendar days of the first payment, or if the item or service ordered does not match the description on the order form. You will be reimbursed up to 750 euros per claim and per year. Individual items with a minimum cost of 50 euros (inclusive of VAT) are covered, providing you pay for them in full with your ING Visa Classic credit card.
• Travel accident insurance: this policy covers international trips you make using public transport (by air, rail, road, etc.) or in a rental car that were paid for in full using your ING Visa Classic credit card. You or your estate can claim up to 100,000 euros in the event of your death or permanent disability resulting from an accident occurring whilst resorting to one of the aforementioned means of transport. You are also entitled to additional compensation of up to 30,000 euros to cover investigation, rescue and/or repatriation costs. This insurance applies provided your time abroad does not exceed 60 consecutive days.

Go to the Self Service ING Visa Classic to find all the information you need to submit your claim form correctly.

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

Simply follow these simple steps.

Unlike some banks, your ING Visa Classic 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.

Of course! You can use any ATM or bank terminal displaying the Visa logo, both in Belgium and abroad.

Hassle-free repayments: with your ING Visa Classic credit card, your monthly expenditure is repaid automatically. Each period is closed on the 27th of the month. The total amount owing for this period is then automatically debited from the ING Current Account linked to your ING Visa Classic credit card 9 calendar days later.

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 can still pay with your ING Visa Classic credit card.

Block your credit card online via 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 Visa Classic credit card via www.ing.be or Home'Bank is valid subject to acceptance by ING Belgium and does not bind you as long as you have not signed the ING Visa Classic contract either via Home’Bank or at your ING branch (subject to prior acceptance of your file by ING Belgium. ING has taken out insurance policies for its ING Visa Classic customers with

• Allianz AWP P&C S.A.- Belgian branch, 32, Boulevard Roi Albert II, 1000 Bruxelles. 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 ING Visa Classic credit card in any ING branch and at www.ing.be