Head to head · 2026
ABN AMRO Credit Card vs Mastercard Black
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 €18.75/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.
ICS
Mastercard Black
Premium ICS card with AXA travel insurance, 4 Priority Pass lounge visits per year, and airport fast-track passes.
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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
Mastercard Black
What we like
- 4 Priority Pass lounge visits/year
- 4 airport fast-track passes/year
- Comprehensive AXA travel insurance
- 365-day purchase protection
What to consider
- High annual fee (€225)
- 2% foreign transaction fee
- Limited lounge visits vs Amex
Frequently asked
Is ABN AMRO Credit Card or Mastercard Black 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 €18.75/mo
Which card has lower fees abroad, ABN AMRO Credit Card or Mastercard Black?
Both charge the same foreign transaction fee: 2.00%.
Do ABN AMRO Credit Card and Mastercard Black require a BKR credit check?
ABN AMRO Credit Card requires a BKR credit check, and Mastercard Black requires one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.