Head to head · 2026
ABN AMRO Credit Card vs MasterCard Classic
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
MasterCard Classic is the stronger pick for most expats.
- Travel insurance: Included vs Not included
ABN AMRO
ABN AMRO Credit Card
Standard Mastercard for ABN AMRO customers. Good English-language support and easy application if you already bank with ABN.
ICS
Our pickMasterCard Classic
Budget-friendly true credit card from ICS. Lower annual fee than Visa World Card. Basic protection and worldwide Mastercard acceptance.
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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 Classic
What we like
- Lowest ICS annual fee
- True credit card with credit line
- Worldwide Mastercard acceptance
- Purchase protection
What to consider
- 2% foreign transaction fee
- No rewards
- Basic coverage only
- Requires Dutch income proof
Frequently asked
Is ABN AMRO Credit Card or MasterCard Classic better for expats in the Netherlands?
MasterCard Classic is the stronger all-round pick for most expats. Travel insurance: Included vs Not included
Which card has lower fees abroad, ABN AMRO Credit Card or MasterCard Classic?
Both charge the same foreign transaction fee: 2.00%.
Do ABN AMRO Credit Card and MasterCard Classic require a BKR credit check?
ABN AMRO Credit Card requires a BKR credit check, and MasterCard Classic requires one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.