Head to head · 2026
ABN AMRO Credit Card vs ING Creditcard
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
ING Creditcard is the stronger pick for most expats.
- Monthly fee: €2.00/mo vs €2.55/mo
- Minimum income: €1,000/mo vs €1,500/mo
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.
ING
Our pickING Creditcard
Basic credit card for ING account holders. Earns ING Punten through shopping portal. 365-day purchase protection included.
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
ING Creditcard
What we like
- Low annual fee (€24)
- 365-day purchase protection
- ING Punten rewards program
- Integrates with ING app
What to consider
- 2% foreign transaction fee
- Requires ING current account
- Basic rewards value
- Limited to €5,000 credit limit
Frequently asked
Is ABN AMRO Credit Card or ING Creditcard better for expats in the Netherlands?
ING Creditcard is the stronger all-round pick for most expats. Monthly fee: €2.00/mo vs €2.55/mo
Which card has lower fees abroad, ABN AMRO Credit Card or ING Creditcard?
Both charge the same foreign transaction fee: 2.00%.
Do ABN AMRO Credit Card and ING Creditcard require a BKR credit check?
ABN AMRO Credit Card requires a BKR credit check, and ING Creditcard requires one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.