Head to head · 2026
ABN AMRO Credit Card vs Platinum Card
How these two credit cards stack up for expats in the Netherlands — compared on the numbers that actually matter, with a verdict based on the data.
Our verdict
ABN AMRO Credit Card is the stronger pick for most expats.
- Monthly fee: €2.55/mo vs €65.00/mo
- Foreign transaction fee: 2.00% vs 2.50%
- Minimum income: €1,500/mo vs €2,500/mo
ABN AMRO
Our pickABN AMRO Credit Card
Standard Mastercard for ABN AMRO customers. Good English-language support and easy application if you already bank with ABN.
American Express
Platinum Card
The ultimate premium card in the Netherlands. Unlimited Priority Pass lounge access, Privium Plus at Schiphol, €300 dining credit, and comprehensive travel benefits.
Affiliate link — we may earn a commission. Details
Side by side
Highlighted cells show the stronger option for each feature. Rates and fees are verified from provider sources; figures shown as of 2026.
ABN AMRO Credit Card
What we like
- Easy if you have ABN AMRO account
- 180-day purchase protection
- English portal and support
- Travel delay insurance
What to consider
- 2% foreign transaction fee
- No rewards program
- Requires €1,500/month net income
- Must have ABN AMRO account
Platinum Card
What we like
- Unlimited Priority Pass lounge access + 1 guest
- Free Privium Plus membership (Schiphol fast-track)
- €300/year dining credit at 100+ restaurants
- Centurion Lounge access (Schiphol opening 2026)
What to consider
- Very high fee (€780/year)
- 2.5% foreign transaction fee
- Not accepted everywhere in Netherlands
- Requires €36,000 gross annual income
Frequently asked
Is ABN AMRO Credit Card or Platinum Card better for expats in the Netherlands?
ABN AMRO Credit Card is the stronger all-round pick for most expats. Monthly fee: €2.55/mo vs €65.00/mo
Which card has lower fees abroad, ABN AMRO Credit Card or Platinum Card?
ABN AMRO Credit Card is cheaper abroad, with a 2.00% foreign transaction fee.
Do ABN AMRO Credit Card and Platinum Card require a BKR credit check?
ABN AMRO Credit Card requires a BKR credit check, and Platinum Card does not require one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.