Head to head · 2026
ANWB Visa Classic 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
ANWB Visa Classic is the stronger pick for most expats.
- Minimum income: None stated vs €1,000/mo
ANWB
Our pickANWB Visa Classic
ANWB members-only Visa card with 270-day purchase protection. Simple, no-frills card from the Dutch roadside assistance association. BKR check required.
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ING
ING 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.
ANWB Visa Classic
What we like
- 270-day purchase protection
- Low annual fee for Visa
- Apple Pay support
- Fraud insurance included
What to consider
- ANWB membership required
- 2% foreign transaction fee
- No rewards program
- No Google Pay support
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 ANWB Visa Classic or ING Creditcard better for expats in the Netherlands?
ANWB Visa Classic is the stronger all-round pick for most expats. Minimum income: None stated vs €1,000/mo
Which card has lower fees abroad, ANWB Visa Classic or ING Creditcard?
Both charge the same foreign transaction fee: 2.00%.
Do ANWB Visa Classic and ING Creditcard require a BKR credit check?
ANWB Visa Classic 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.