Complete guide: how to apply for the ING Mastercard Gold credit card

This guide explains how to apply for an ING credit card. It is intended for anyone who wants the ING Mastercard Gold with the Conto Corrente Arancio from ING Direct.

We will show you how to get an ING credit card. We will cover its features, eligibility requirements and the documents needed. We will also explain how to apply, the costs and the limits.

The card is issued by ING Bank. It is a free Mastercard Gold that can be linked to the Arancio account. We will also cover features such as a customisable PIN and Pagoflex.

We will provide details about the card type and payment network. We will also cover additional services. We will explain the eligibility requirements, how to apply and the terms and conditions.

Finally, we will offer tips on managing the card through the ING app. We will cover fraud prevention measures and customer service contacts. This will help you compare credit cards and choose the right one for you.

Card overview: key features of the credit card, ING Direct, ING Mastercard Gold

The ING Direct credit card is a Mastercard Gold. It is linked to the Conto Corrente Arancio. It has a standard monthly credit limit and allows purchases to be paid in instalments with Pagoflex. Issuance and renewal are free, a major advantage for anyone looking for deals.

ING Bank is a financially sound issuer. It has a CET1 ratio above 14%. This provides greater security for anyone choosing the ING Direct credit card or the ING prepaid card.

Card type and payment network

This is a revolving credit card on the Mastercard network. It is compatible with Apple Pay and Google Pay for contactless payments. Mastercard membership includes security systems for online transactions.

Key features

Features include a customisable PIN. You can change it through the secure customer area or the ING app. Two-factor authentication and confirmation using a fingerprint or facial recognition improve security.

Pagoflex allows you to convert purchases into payment plans. You can choose between 3, 6, 9 or 12 months. This helps you manage your budget and may waive the fee in some cases.

Additional services

The Travel Pack ING is useful for travellers. It is available in Standard, Plus or Premium versions. It reimburses fees and exchange rate mark-ups abroad.

The ING app sends notifications to help you monitor spending. It also offers features to check whether text messages or calls are genuine. It is compatible with Google Pay and includes virtual accounts for greater security.

• Contactless support for in-store payments
• Linked account number and IBAN for related payment instructions
• ING credit card promotions available through the customer area and the ING app

Requirements and documents needed to apply for the ING Mastercard Gold credit card

To get the credit card ING Mastercard Gold, you need to know the requirements and the documents needed. This section explains the steps to follow when applying. We also explain which restrictions may affect the outcome of your application.

Basic requirements

To begin, you must have an active Arancio account with ING Bank. You must demonstrate financial stability. You can do this by having your salary or pension paid into the account, with a minimum of 750 €.

Alternatively, you can show that you have an available balance of at least 3,000 €. You must also have an average balance of 3,000 € over the last 30 days.

Required documentation

To apply, you must provide certain documents. You will need a valid identity document, such as an identity card or passport. You must also provide your tax identification code or health card.

You also need an active email address and mobile phone number. These will be useful for activation and access to the secure customer area or app.

If you receive the card with an application form, you must sign it. Then send it to ING (ING – Direzione Clienti – Casella Postale n. 10632 – 20159 MILANO) to complete the process.

Restrictions and special conditions

Before applying, it is important to understand the restrictions. The bank may reject your application. If this happens, you have the right to ask customer support for an explanation.

The conditions relating to incoming payments and balances may change over time. It is important to meet them when you apply.

Further assessments may be needed to increase your credit limit. Anyone wanting to know how to get the card will find it useful to activate it when opening the Arancio account. Alternatively, you can do so later, once the financial requirements are met.

How to apply for the card: a step-by-step guide to applying for an ING credit card

You can apply for ING’s Mastercard Gold when opening an account or afterwards. This guide shows you how, the documents needed and the waiting times. This applies both to anyone who wants to open an account and get the card together and to anyone who wants to apply separately.

Applying when opening the account

If you choose to open an Arancio account online, you can select the Mastercard Gold. You must enter your personal details, identity document, tax identification code, email address and mobile phone number.

After submission, the bank checks your identity and the validity of the application. If everything is in order, the card is sent to the address provided.

Applying through the secure customer area or app

Existing account holders can apply for the card through ING’s secure customer area or app. Go to the “Current Account” section and then to “Credit Card” to begin.

You must fill in your details and check the requirements. The bank may ask you to sign and send in the paper form.

Processing and delivery times

Processing times vary depending on the checks required. The card is usually sent after approval.

Delivery times depend on the postal service. Once the card arrives, you can customise the PIN and activate the card through the app or the secure account area.

Activation may be immediate after customising the PIN. If a signed form is required, activation depends on submitting the document.

Costs, limits and day-to-day management: ING credit card costs, credit limit, withdrawals and fees

This section explains the costs and limits of the ING Mastercard Gold card. We will cover the monthly fee, charges and how to manage the credit limit and usage limits. All of this through the app.

The card has a monthly fee of 2 €. This is one of the main costs. To avoid the fee, you need to spend at least 500 € per month or activate Pagoflex.

There is no charge for issuing or renewing the card. Promotions may change. For updates, check the ING website.

Charges include a cash withdrawal fee: 4% of the amount, with a minimum of 3 €. There may also be an additional ATM fee.

Other costs include a 10% debt collection charge and a 2% surcharge for transactions in a different currency.

Blocking the card is free. For further charges, consult the agreement and ING’s information documents.

The standard credit limit is 1,500 €. For a higher limit, request an increase. The bank will assess the request based on your creditworthiness and financial situation.

The daily limit is 600 €. You can customise usage limits through the app. This helps you monitor spending in real time.

Item	Amount / Details
Monthly fee	2 €; free if you spend ≥ 500 €/month or have Pagoflex active (waive the ING fee)
Issuing/renewal fee	0 €
ING withdrawal fees	4% of the amount, minimum 3 €; possible ATM operator fee
Other credit card operating costs	Debt collection 10%; foreign currency transactions +2%
Card blocking fees	0 €
ING card credit limit	1,500 € per month (spending and withdrawals); requests for an increase subject to the bank’s assessment
ING withdrawal limit	600 € per day
Credit card usage limits	Customisable through the app (daily and monthly) to control spending
ING card fees (other)	Specific fees may apply under the agreement; consult the information documents

Management and security: using the ING app, support and anti-fraud measures

The ING app makes it easy to manage the card. You can make payments using a fingerprint or facial recognition. You can also view transactions and set up personalised alerts.

To change your PIN or spending limits, simply follow a secure process. If the card is lost or stolen, you can block it with a single tap.

App features for card management

In the app, the “Credit Card” and “Summary” tabs show the CVV, balance and transactions. You can also activate Pagoflex from this area.

ING app notifications alert you immediately to each transaction. Users can choose which notifications to receive to monitor spending.

Protection for online transactions

ING uses Mastercard Identity Check for greater security in online transactions. This system makes unauthorised access more difficult.

The “Is it really ING?” feature helps verify the authenticity of text messages and alerts. ING also provides information on phishing, spoofing and scams, offering advice on how to avoid suspicious links.

Customer service and operational support

For urgent issues, there is the ING freephone number: 800 71 72 73 from a landline. From a mobile or abroad, you can call 02 999 67 89. Support hours are designed to cover most of the day.

ING customer service helps with blocking cards, replacements and disputes. The chat service and online documentation explain how to unblock the card and complete administrative procedures.

If you notice suspicious activity, it is important to contact customer service immediately. Operational support guides users step by step, from reporting the issue to resolving it, to reduce risks and restore normal service.

Conclusion

The ING Mastercard Gold card is an excellent choice for those who have a Conto Arancio. It offers a customisable PIN and full management through the app. It is also compatible with Apple Pay and Google Pay and has the Pagoflex option for paying for purchases in instalments.

The fee is low and can often be waived. Transaction protection and app features make it competitive. However, there are limitations, such as the requirement to have a Conto Arancio and a withdrawal fee.

Before deciding, compare the credit cards on the market. Also check promotions and terms on the official website. If necessary, open a Conto Arancio and check the requirements. Gather the documentation and submit the application through the app or the secure account area.

FAQ

What is the ING Mastercard Gold credit card and who is it for?

The ING Mastercard Gold credit card is a product from ING Bank. It is designed for those who have a Conto Corrente Arancio. It offers a standard monthly credit limit and the option to pay for spending in instalments with Pagoflex.

It can be managed through the app and is compatible with Apple Pay and Google Pay.

What type of card is it and which payment network does it use?

It is a revolving credit card on the Mastercard network. It allows contactless payments and is compatible with Apple Pay and Google Pay. It also offers secure authentication for online purchases.

What are the card’s main features?

The main features include a customisable PIN. It also offers the option to pay for spending in instalments with Pagoflex. It allows contactless payments and real-time spending notifications.

You can manage limits directly through the app.

Are there any useful additional services for cardholders?

Yes. ING offers the Travel Pack for refunds and exchange rate mark-ups. It supports Apple Pay/Google Pay and offers security tools such as the “Is it really ING?” feature.

Support against phishing is also provided.

What are the minimum requirements to apply for the card?

To apply, you must have an active Conto Corrente Arancio. You must have a minimum income of 750 € or a balance of 3,000 € in the account.

The average balance over the last 30 days must be at least 3,000 €.

What documents are needed to apply?

You must provide a valid identity document. You also need your tax code or health card. You must have an active email address and mobile phone number.

If you submit the paper Application Form, your signature may be required.

Are there any specific requirements or conditions to be aware of?

The main requirement is to have a Conto Arancio. ING may reject the application following its assessment. You can ask customer support for information about the reason.

You must meet the requirements for incoming payments or account balances. Increasing the credit limit may require additional checks.

How do you apply for the card when opening the account?

When opening a Conto Arancio online, you can choose the Mastercard Gold. You must enter your personal details and upload the required documents.

After verification, the card is sent to the address provided.

How do you apply for the card through the secure online area or app?

In the secure online area or app, go to “Current Account” > “Credit Card”. Start the guided process. Complete the application and confirm that you meet the requirements.

Submit the application. ING will carry out the checks and notify you of the outcome.

How long does it take to process the application and receive the card?

Processing times depend on document checks. Once approved, the card is sent by post.

The card is activated through the app or secure online area. The overall time depends on the bank’s checks.

What is the card’s monthly fee, and how can it be waived?

The monthly fee is 2 €. It is waived if monthly spending exceeds 500 €. Alternatively, it is waived if a Pagoflex is active.

Issuance and renewal are free.

What are the cash withdrawal fees and other transaction charges?

For cash withdrawals, the fee is 4%, with a minimum of 3 €. Other charges are listed, such as debt recovery at 10% and surcharges for transactions in a different currency.

Blocking the card is free. Any additional costs are set out in the contractual terms and conditions.

What are the card’s usage limits and credit limit?

The standard monthly credit limit is 1,500 €. There is a daily cash withdrawal limit of 600 €. You can request a credit limit increase, subject to assessment.

Can you set custom limits?

Yes. Through the ING app, you can set daily and monthly limits. This helps you control spending and improve security.

How do you manage the card through the ING app?

The app lets you activate the card and customise your PIN. You can view the CVV and authorise purchases using your fingerprint or facial recognition.

You can also enable or disable push notifications and temporarily block the card. You can view your spending summary and Pagoflex options.

What security tools protect online transactions?

Online transactions use Mastercard Identity Check with two-factor authentication. ING implements measures such as the “Is it really ING?” check and phishing alerts.

Support against phishing is also provided. Authentication through the app adds an extra layer of security.

How do you block the card if it is lost or stolen?

You can block the card immediately through the app with a single tap. You can also contact customer support. ING provides procedures for replacing a damaged card and handling theft or loss.

Details are available in the secure online area and supporting documents.

How can you contact customer support?

The freephone number from a landline is 800 71 72 73. From a mobile or abroad, call 02 999 67 89. Support is available Mon–Fri 8:00–22:00 and Saturday 8:00–18:00.

Chat is also available in the website’s secure online area for support and administrative matters.

What should you do if your card application is rejected?

If your application is rejected, you can contact customer support to ask for the reason. ING assesses applications based on financial requirements and the applicant’s circumstances.

If rejected, you can ask for clarification and guidance on possible corrective action.

Is the card suitable for frequent travellers abroad?

Yes, especially if you add the appropriate Travel Pack. This offers reimbursements and exchange rate mark-ups. The card supports foreign currency payments with a 2% surcharge on transactions in a different currency.

Can the card be used with Apple Pay and Google Pay?

Yes. The Mastercard Gold is compatible with Apple Pay and Google Pay. This allows contactless payments via smartphone. Google Pay uses a virtual account as an additional layer of security.

What steps are recommended before applying for the card?

Before applying, open a Conto Arancio if you have not already done so. Check the requirements for incoming payments or account balances. Gather your identity document, tax code, active email address and mobile phone number.

Check for any promotions or updated terms on the official ING website before applying.