This guide explains how ING Bank credit cards work in Romania and what you should check before applying.
You will learn about card types, interest rates, fees, eligibility rules, and repayment options.
Use this information to compare costs clearly and choose a credit card that fits your spending and payment habits.
What ING Bank Credit Cards Are
ING Bank credit cards are payment tools that let you borrow money from the bank up to an approved limit.
You use the card for purchases or cash withdrawals and repay the amount later based on your billing cycle.
Interest applies only when you do not repay the full balance by the due date.
- Credit-based payment method – You spend using a bank-approved credit limit, not your own deposited funds.
- Monthly billing system – Transactions are grouped into statements with a clear due date.
- Flexible repayment – You can pay the full balance or the minimum amount required.
- Interest and fees apply conditionally – Costs depend on how and when you repay what you use.
Main ING Credit Card Types in Romania
ING Bank Romania offers a range of credit card options for everyday spending and higher-value use.
Each card type varies in limits, fees, and added benefits. You should compare features carefully before choosing.
- Standard ING Credit Card – Designed for daily purchases with basic limits and standard fees.
- ING Gold Credit Card – Offers higher credit limits and additional travel or lifestyle benefits.
- Credit Cards with Installment Options – Allow you to split eligible purchases into monthly payments.
- Special or Promotional Cards – May include temporary offers such as fee reductions or bonus benefits.
How Interest and APR Are Calculated
Interest rates determine how much you pay when you carry a balance on your credit card.
The Annual Percentage Rate (APR) shows the yearly cost of borrowing, including interest and some fees.
Knowing these helps you estimate real costs before you use the card.
Interest and APR examples for an ING credit card:
- Purchase interest rate: About 25.00% per year.
- APR (Annual Percentage Rate): Around 24.77%–29.81%, depending on the scenario.
- Cash withdrawal interest rate: Also about 25% per year.
- Effective APR for cash withdrawals: Roughly 28.07%.
Fees tied to the card:
- Card issuance fee: 0 RON for the first card; 35 RON for additional cards.
- Annual administration fee: 35 RON (usually from the second year onward).
- Cash withdrawal fee at non-ING ATMs: 1% + 5 RON per transaction.
Grace period:
- You typically get up to 45 days interest-free if you repay the balance in full by the due date.
Eligibility and Approval Requirements
To get an ING Bank credit card in Romania, you must meet certain conditions the bank sets.
These rules help the bank evaluate your ability to repay what you borrow. Knowing them helps you prepare the right documents and avoid delays.
- Age requirement – You must meet the minimum age set by ING (often 18+).
- Romanian residency or legal status – You should live or work in Romania and have a valid ID.
- Stable income – Proof of regular income or employment is required.
- Bank account with ING – You typically need an active ING payment account.
- Credit history check – The bank reviews your credit record to assess risk.
- Required documents – Valid ID, proof of income (pay slips/bank statements), and other KYC documents
Application Process Step by Step
Applying for an ING Bank credit card in Romania follows a standard bank review and approval flow.
You submit your details, ING checks eligibility and risk, and you complete signing and activation.
Your exact steps can vary based on whether you apply in-app, online, or in a branch.
- Choose the credit card option – Compare fees, APRs, and benefits so you apply for the right product.
- Start the request in ING channels – Many customers use ING HomeBank to access credit products, such as credit cards.
- Fill in your personal details – You provide identity, contact, and basic financial information.
- Submit income and verification documents – ING reviews your income and performs standard KYC checks.
- Credit assessment and decision – ING evaluates your affordability and your credit history before approving.
- Sign the contract – You confirm the terms and accept the product conditions (digital or in-branch, depending on the flow).
- Receive and activate the card – After delivery or issuance, you activate the card and set your PIN, then start using it.
Installment Payments and Split Purchases
With some ING credit cards, you can turn eligible transactions into monthly installments.
This spreads payments over time instead of paying at once. Installments can help you manage larger purchases without paying upfront.
- Eligible Transactions – Only certain purchases (often online or in-store) qualify for installment plans.
- Installment Period Options – You choose how many months you pay (e.g., 3, 6, or 12), depending on the bank’s terms.
- Interest or Fees – Some plans are interest-free, others include charges — check the exact terms.
- Monthly Payments – You pay a set amount each month until the purchase is fully repaid.
- Impact on Billing – Installments appear on your monthly statement with a clear schedule and amounts.
How to Choose the Right ING Credit Card
Choosing the right credit card depends on how you spend, repay, and use credit.
You should focus on costs, limits, and features that match your habits. A clear comparison helps you avoid paying for features you do not need.
- Spending habits – Check whether the card fits daily purchases or occasional high-value spending.
- Repayment behavior – Choose based on whether you usually pay in full or carry a balance.
- Interest rate sensitivity – Lower interest rates matter more if you do not repay the full balance monthly.
- Fees and charges – Compare annual, cash withdrawal, and foreign currency fees carefully.
- Installment options – Useful if you plan to split larger purchases into monthly payments.
- Travel and foreign use – Important if you pay or withdraw money outside Romania.
Contact Information
Use official ING channels so you get accurate support for credit card issues, fees, and account actions.
Keep the main phone numbers saved, especially for urgent matters such as card blocking or fraud.
If you need formal details, use the bank’s headquarters address.
- Phone (My’Line / Customer Support) – *2ING / *2464 / 031 406 2464 (also written as 0 31 406 2464), available Mon–Fri 08:00–18:00; urgent cases can be handled non-stop.
- Card Stop (lost/stolen card) – 021 402 85 99, available non-stop.
- Headquarters address (Romania) – Expo Business Park, Str. Aviator Popișteanu nr. 54A, Clădirea 3, 012095, București, România.
- SWIFT/BIC – INGBROBU
- Official contact page – Contact options and guidance are listed on ING Bank Romania’s “Contact” page (chat in Home’Bank, offices, and updates).
Make a Smarter Credit Card Choice with Confidence
Choosing the right ING Bank credit card depends on how you spend, repay, and manage credit costs.
Understanding interest rates, fees, eligibility rules, and installment options helps you avoid unnecessary charges.
Review the official ING Bank Romania terms and apply for the credit card that matches your financial needs today.
Disclaimer
This information is for general guidance only and does not represent a binding offer or financial advice.
Fees, interest rates, and conditions may change, so always verify the latest terms directly with ING Bank Romania before applying.
