---
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> Index of every page on this site: [llms.txt](https://123offerte.it/llms.txt)

[ING Italia](https://123offerte.it/en/banking/providers/ing)

# Carta di Credito Mastercard Gold

**See fee details**

**Free / month**

Monthly fee waived with a Conto Corrente Arancio Light account if monthly spending is at least €500 or Pagoflex is active.

### **Who can apply**

The contract takes effect only if the customer activates the card within 12 months of the application date and meets one of the stated alternative conditions.

**Any of these conditions**

- Salary or pension credited to the account
- At activation, an available account balance of at least €3,000 and an average balance of at least €3,000 over the 30 days before the activation request
- Three monthly credits of at least €1,000 each to the account in consecutive months, with at least 20 days between credits.
- You must hold a mortgage or personal loan that has been in repayment for at least 6 months and has no overdue, unpaid instalments.
- You must have held a Conto Arancio for at least 6 months, with an average balance of at least €5,000 over the last 60 days.

- **Network**: Mastercard
- **Credit limit**: up to €3,000
- **Standard credit limit**: €1,500

### **Repayment**

**Installments: TAN 0% · TAEG 11.46%**

**Repay in full**

Arancio Current Account

**Installments**

Transactions eligible for instalment payments.

Annual interest rate (TAN): 0%

Monthly repayment fee: 0.5%

#### **Representative examples**

Published lender examples; these are not personal quotes.

Representative example Pagoflex

Amount: €450

Number of installments: 12

Installment: €39.75

APR (TAEG): 11.46%

Total repayable: €477

### **Cash and foreign-currency fees**

Conto Corrente Arancio Light account

Network: Mastercard

- **Cash advance**: 4% · min. €3.00
- **Foreign-currency payments**: 2%

Linked account: Arancio Current Account

### **Fees and discounts**

Choose one fee per product, only if all its conditions apply to you. Your choice updates the list, sorting, fee filters and comparison. Discounts are not added together.

**€2.00 / month **Standard fee

Conto Corrente Arancio Light account

Linked account: Arancio Current Account

Network: mastercard

Monthly debit

**Use this fee for comparison**

**Free / month **Standard fee

Conto Corrente Arancio Più

Linked account: Arancio Current Account

Network: mastercard

Annual fee, charged monthly, waived when Conto Corrente Arancio Più is activated.

**Use this fee for comparison**

**Free / month **Conditional

Conto Corrente Arancio Light account

Linked account: Arancio Current Account

Monthly fee waived with a Conto Corrente Arancio Light account if monthly spending is at least €500 or Pagoflex is active.

**Any of these conditions**

- If the credit card is used for monthly spending of at least €500 in the relevant billing month.
- In case of active Pagoflex.

**Use this fee for comparison**

Issuer: ING BANK N.V. Milan Branch

### **Features**

- **Free without conditions**: —
- **Free with conditions**: Yes
- **Free for an initial period**: —
- **Repay in full**: Yes
- **Installments**: Yes
- **Revolving credit**: —
- **Visa**: No
- **Mastercard**: Yes
- **American Express**: No
- **Virtual card**: —
- **Apple Pay**: Yes
- **Google Pay**: Yes

#### **Documents and sources**

- [Source 1 · secure.ing.it](https://secure.ing.it/PDF/Templates/PDF/NVP/SECCI.pdf)
- [Source 2 · www.ing.it](https://www.ing.it/carte/carta-di-credito-mastercard-gold.html)
- [Source 3 · www.ing.it](https://www.ing.it/includes/download/ATIN_Web.pdf)

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Source: 123offerte.it — https://123offerte.it/en/banking/credit-cards/ing/mastercard-gold-id-d4d9b5d4f5a99537 (accessed 2026-11-01)

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