Head to head · 2026
Platinum 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
Mastercard Black is the stronger pick for most expats.
- Monthly fee: €18.75/mo vs €65.00/mo
- Foreign transaction fee: 2.00% vs 2.50%
- Minimum income: €1,500/mo 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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ICS
Our pickMastercard 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.
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
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 Platinum Card or Mastercard Black better for expats in the Netherlands?
Mastercard Black is the stronger all-round pick for most expats. Monthly fee: €18.75/mo vs €65.00/mo
Which card has lower fees abroad, Platinum Card or Mastercard Black?
Mastercard Black is cheaper abroad, with a 2.00% foreign transaction fee.
Do Platinum Card and Mastercard Black require a BKR credit check?
Platinum Card does not require 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.