Top pick
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Ranked on live data · 2026
Best Credit Cards With No Minimum Income Requirement
Traditional Dutch banks often require a provable monthly income before issuing a credit card — a problem for students, freelancers with irregular income, and people who just arrived. These cards state no minimum income requirement.
6 credit cards with no income requirement, ranked
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Compare the top picks head to head
How we picked
- No stated minimum income at application
- Ranked on fees, foreign transaction costs, and included features
- BKR-check status shown for each card (relevant for newcomers)
Frequently asked
Can I get a credit card in the Netherlands without a salary?
Yes. Several issuers — mostly digital banks — set no minimum income requirement. Approval is based on identity and account standing rather than a payslip, though credit limits may start low.
Which no-income-requirement card ranks highest?
Revolut Card currently leads this ranking, followed by bunq Credit Card, based on fees and features.
Are these cards suitable for students?
Usually yes — no income requirement and no (or low) fees make them the most realistic option for students, provided you are 18+ and have a Dutch or EU bank account for repayment.