ING Bank offers two types of online current accounts, both linked to a single Mastercard credit card. This Mastercard is free and designed to meet the needs of customers in Poland, delivering convenient and essential credit services.
This guide covers the application process for the ING Bank Mastercard Credit Card, detailing each step clearly. Readers will understand how this card can support financial goals and simplify daily spending.
The straightforward steps are outlined to ensure users in Poland can apply smoothly. Each part of the application process is explained for ease and efficiency.
ING Bank Mastercard Credit Card: Choose the Right Option
ING Bank provides two main Mastercard options in Poland: the Standard Mastercard for Essential accounts and the Gold Mastercard for Comprehensive accounts.
Standard Mastercard (Essential Account):
- This card operates on immediate debit. Each transaction instantly updates the balance on the linked checking account, helping customers avoid overdrafts.
- The first five euro withdrawals each month from ATMs are free. Additional euro withdrawals are charged at 1 euro per transaction.
- Payments in euros carry no fees, while transactions abroad incur a 2% fee on the transaction amount, covering purchases and withdrawals in foreign currency.
Gold Mastercard (Comprehensive Account):
- This card is available at no monthly fee if the customer deposits a regular amount or holds assets with ING. For example, a monthly deposit of 1,200 euros into the account keeps it free. Alternatively, users can pay a monthly fee of 5 euros if the deposit condition doesn’t suit them.
- Cardholders can choose between immediate and deferred debit options. Overdraft access is possible, provided eligibility conditions are met.
Both cards offer options that cater to specific financial habits and needs, helping users in Poland select the best fit for their account.
ING Bank Mastercard Credit Card: Quick Overview
The ING Bank Mastercard Credit Card delivers flexibility and tailored benefits for users in Poland. Here's a concise look at its key features, benefits, and application requirements.
Card Features and Benefits
The ING Bank Mastercard is designed for convenience:
- Credit limit ranges from PLN 2,000 to PLN 20,000, offering flexible spending.
- No issuance fee, so there’s no cost at the application stage.
- Up to 52 days interest-free on purchases.
- Accepted for cashless payments online and in-store.
- A secure application process is available via ING’s banking app.
- Current promotion rewards users with up to PLN 300.
Additional Advantages:
- No fees for active use, keeping management costs low.
- Mobile payments are supported on smartphones and smartwatches.
- Secondary card option for individuals aged 13+.
Eligibility Requirements
Applicants need to submit proof of income and employment, which may include:
- Employment contracts (permanent or temporary), industry-specific agreements (military, clergy).
- Independent income sources such as pensions, allowances, or annuities.
- Self-employed and freelance earnings for professions like artists or contractors.
- Consistent rental income or lease deposits.
Benefits Overview
The ING Mastercard is crafted to enhance everyday spending with added rewards and perks:
Rewards Program:
- Earn points on every purchase, redeemable for exclusive rewards or discounts.
- Points accumulate quickly, ideal for frequent users. No extra fees are involved, adding easy value to daily purchases.
Travel Benefits:
- Includes travel insurance for emergencies abroad.
- Access to select airport lounges for a more relaxed travel experience.
- Currency support for international transactions, reducing fees.
- Globally accepted for seamless spending abroad.
Cashback and Financial Perks:
- Cashback on certain purchases, helping users save on select spending categories.
- Larger purchases can be divided into manageable installments.
- Access to exclusive discounts with partner brands, with cashback applied automatically.
Security Features:
The ING Mastercard is equipped with robust security measures:
- Fraud protection and monitoring for unauthorized charges.
- 24/7 support for reporting issues.
- 3D Secure feature for extra protection on online transactions.
- Chargeback option for incomplete or disputed purchases.
This ING Bank Mastercard Credit Card is a strong choice for residents of Poland looking for convenience, rewards, and added security in a credit card.
ING Bank Mastercard Credit Card: Easy Online Application Guide for Poland
Applying for the ING Bank Mastercard Credit Card is a quick process and is fully accessible online for users in Poland. Here’s a straightforward guide to ensure a smooth application experience.
Step-by-Step Online Application Guide
Complete the application in just a few steps:
- Visit the ING Bank website and access the credit card application section.
- Log in or create an account through the ING banking app.
- Enter personal details as required, including contact information.
- Submit the application and wait for a confirmation message.
Required Documents
To apply for the ING Bank Mastercard, you’ll need proof of income and employment. Accepted documents include:
- Employment contracts (permanent or temporary) or self-employment records.
- Income statements, such as pension or annuity documents.
- For self-employed applicants, proof of income covers at least six months.
- Any rental or leasing agreements that verify regular income.
Tips to Strengthen Approval Chances
Boost your chances for approval by keeping these points in mind:
- Ensure all details are correct and match the supporting documents.
- Verify your credit score meets the card’s requirements.
- Avoid submitting multiple credit applications that are close to the ING Bank application.
- Provide clear, complete documents to avoid processing delays.
Tracking Your Application Status
After submitting, easily monitor your application’s progress:
- Log into the ING Bank app or website used for the application.
- Check the account dashboard for application updates.
- For any questions, customer support is available to assist.
- Await a confirmation message regarding approval or further steps.
Interest Rates and Fees for ING Bank Mastercard Credit Card [PL]
Understanding rates and fees helps cardholders in Poland make the most of their ING Bank Mastercard. Here’s a straightforward breakdown.
APR for Purchases and Cash Advances
The APR starts on the purchase date and continues until the balance is cleared, with no grace period.
Cash withdrawals carry a 3% fee on the withdrawal amount, with a minimum charge of PLN 9. F
or transfer orders, interest accrues immediately, and there’s a 2% fee (minimum PLN 5) on the transferred amount. Consistent payments are essential to avoid extra interest costs.
Late Payment Fees and Additional Charges
Late payments incur extra charges, so prompt repayment is key. Foreign transactions include standard fees, and setting up automatic payments can help sidestep penalties.
No fees apply to card blocking or limit changes, giving cardholders in Poland more flexibility. Note that ATM withdrawals and transfers accrue interest right away, emphasizing the importance of managing repayments.
Annual Fees and Waivers
The annual fee is waived if the cardholder maintains a monthly transaction average over PLN 500. Falling below this results in a PLN 50 fee for the main cardholder and PLN 30 for additional cards.
There’s no issuance fee, making this card accessible for active users in Poland. Regular usage can help avoid annual fees and keep the card cost-effective.
ING Bank Contact Information for Mastercard Credit Card Assistance in Poland
For support or questions related to the ING Bank Mastercard Credit Card, contact ING Bank directly at +48 32 357 00 69. The main office is at ul. Sokolska 34, 40-086 Katowice.
Customer support is available to assist with any credit card inquiries. Call ahead or check branch hours for specific service details.
Note: Information is subject to change. Refer to ING Bank's official website for the latest terms and conditions.
Conclusion
ING Bank stands as a prominent online bank for individuals across Poland, operating under the ING Direct name.
The ING Bank Mastercard Credit Card offers two primary options tailored to different needs. The comprehensive option provides more extensive benefits, while the accessible, no-fee option includes basic services only.
ING’s customer service is available to assist clients. It's essential to read the legal terms carefully, as obtaining a credit card carries risks.
