Head to head · 2026
Platinum Card vs bunq Credit 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
bunq Credit Card is the stronger pick for most expats.
- Monthly fee: €0 vs €65.00/mo
- Foreign transaction fee: None vs 2.50%
- Minimum income: None stated vs €2,500/mo
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.
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bunq
Our pickbunq Credit Card
Digital-first credit card included with bunq subscription. No foreign transaction fees with ZeroFX. Functions more like a prepaid card (no credit line).
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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.
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
bunq Credit Card
What we like
- No foreign transaction fees (ZeroFX)
- Excellent mobile app
- Instant notifications
- Create instantly in app
What to consider
- Requires bunq subscription (€2.99-18.99/mo)
- No actual credit line (prepaid)
- Must top up before use
- Lower acceptance than Visa/MC
Frequently asked
Is Platinum Card or bunq Credit Card better for expats in the Netherlands?
bunq Credit Card is the stronger all-round pick for most expats. Monthly fee: €0 vs €65.00/mo
Which card has lower fees abroad, Platinum Card or bunq Credit Card?
bunq Credit Card is cheaper abroad, with a 0% foreign transaction fee.
Do Platinum Card and bunq Credit Card require a BKR credit check?
Platinum Card does not require a BKR credit check, and bunq Credit Card does not require one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.