The ING-DiBa Credit Card is a flexible payment tool designed for ING customers in Germany. It provides global coverage, secure transactions, and integration with mobile wallets.
This article explains how to apply, what requirements to meet, and what benefits you can expect. It also includes verified contact details, interest rates, and essential disclaimers.
What Is the ING-DiBa Credit Card
The ING-DiBa Credit Card is a Visa card that complements your ING current account. It supports purchases worldwide and includes purchase protection.
With three different card types, the bank offers options for regular users, students, and premium customers. You can control all card settings using the ING app for real-time usage.
Types of ING-DiBa Credit Cards
ING-DiBa offers three credit card types with different fees and benefits. Each version fits specific financial profiles.
Standard Credit Card
This card is suitable for daily expenses and online shopping. The monthly fee is €1.90, and the credit limit reaches up to €5,000.
Purchase protection is valid for 365 days, and it includes Apple Pay and Google Pay compatibility.
Platinum Credit Card
The Platinum version costs €4.35 per month and provides a credit limit of up to €20,000.
It includes all standard features plus travel insurance, exchange rate savings, and car rental coverage. It’s ideal for frequent travelers or high spenders.
Student Credit Card
Designed for customers aged 18 to 29, the student card costs €1.20 monthly. It offers a limit of €1,000 and includes standard global use and purchase protection. Students must meet specific income and account conditions.
Key Benefits and Perks of the Card
All ING-DiBa Credit Card options come with helpful features. These features make payments easier and more secure.
- Purchase Protection – Transactions are insured for 365 days after the purchase date
- Mobile Payment Integration – Apple Pay and Google Pay are supported
- Online Security – Verified transactions, card lock options, and fraud alerts
- International Usage – Use your card anywhere Visa is accepted
- Flexible Limits – Adjust or increase your spending limit based on your finances
These perks ensure safe shopping, both locally and abroad. Mobile banking support adds convenience in managing your card.
Who Can Apply for Each Type?
Different card types have different requirements. Make sure you meet the criteria before starting your application.
Standard and Platinum Card Eligibility
Applicants must be at least 18 years old. You need a current ING account and monthly income of at least €1,000. The income must be deposited directly into your ING account.
Student Credit Card Eligibility
You must be 18 to 29 years old and have an ING student account. Your income must be at least €500 monthly over the past 3 months.
If you also use the Studentenbetaallimiet, a deposit of €750 per month is required.
Documents You Need to Prepare
Gathering your documents early will make the process faster. ING may request verification during application.
- A valid passport or German ID card
- Proof of monthly income (salary slips, student proof)
- An active ING current account or student account
You can scan and upload these documents securely via the app. ING may also perform an identity check if needed.
How to Apply for the ING-DiBa Credit Card?
The application process is fully digital and takes a few minutes. You can apply via the app or ING online banking.
Step-By-Step Guide
The application process is fully online and can be completed in minutes. Follow these steps to apply for your ING-DiBa Credit Card:
- Open My ING or the ING app, then log in with your existing credentials
- Choose the card type that suits your profile (Standard, Platinum, or Student)
- Fill out the application form with your personal and financial information
- Consent to the credit check conducted through the Bureau Krediet Registratie (BKR)
- Upload proof of income if ING requests additional verification
- Submit the application and wait for the approval confirmation from the bank
- If approved, your card and PIN will be mailed to you within 5 working days
Credit Limit Rules and Adjustments
Each card has a different starting limit. The bank uses your income and credit score to set this limit.
You can also adjust your limit later. Use the ING app to request a higher limit or transfer extra money to the card for one-time purchases. Limits can range from €1,000 for student cards to €20,000 for platinum cards.
What Happens After You’re Approved?
Once you’re approved, ING sends the card and PIN code separately. This ensures added security for your financial data.
Cards are typically delivered within 5 business days. You’ll activate it via the ING app using your login.
The card will be ready to use after activation. PIN code delivery may arrive a day later than the card itself.
Costs, Fees, and Interest Rates
Knowing the fees helps you choose the best card. Monthly charges vary based on card type.
- Standard Credit Card – €1.90 per month
- Platinum Credit Card – €4.35 per month
- Student Credit Card – €1.20 per month
Interest applies when you carry a balance. The rate typically ranges between 6.99% and 10.99% APR, based on the agreement. Currency conversion may have up to 1.5% foreign fee.
How to Manage Your ING-DiBa Credit Card
The ING app helps you take control of your card. Use it for all basic and advanced functions.
- Activate or block your card instantly
- Change your PIN at any time
- Monitor spending and balance in real time
- Transfer funds from your current account to your card
- Get alerts for every transaction
This allows you to respond quickly if issues arise. You can also order a replacement if your card is lost or damaged.
Not Eligible? There’s Still an Option
If your income or limit doesn’t qualify, ING may still issue a lower-limit card. This ensures broader access to credit tools.
Even with reduced credit, you get most card benefits. The spending cap can increase later once your finances improve.
You can also top-up your card using app transfers. It’s a good entry option for first-time cardholders.
Who the ING-DiBa Credit Card Is Best For?
This card fits a wide range of users. It’s useful for both students and employed professionals.
If you already bank with ING, the card setup is fast. You’ll benefit from digital access and security features.
If you travel or shop online often, the Platinum version is a solid pick. Students will find the discounted version ideal for building credit safely.
Customer Support and Contact Details
You can contact ING-DiBa directly for help. Always use verified contact channels.
- Phone (from Germany): +49 69 34 22 24
- Head Office Address: Theodor-Heuss-Allee 2, 60486 Frankfurt am Main, Germany
- Official site: www.ing.de
Customer service is available on weekdays for all card-related issues. You can also chat inside the ING app.
Start Your Application Today
The ING-DiBa Credit Card gives you easy access to secure payments. You can apply in just a few steps with minimal paperwork.
Students, professionals, and frequent travelers all have matching card options. Choose your type and start your application directly in the ING app or online portal.
Disclaimer
The information in this article may change over time. Please refer to ING Germany’s official website for the most current credit card conditions. This article is intended for educational purposes only.
