ANWB Visa Gold vs ICS MasterCard Classic
Two credit cards for expats in the Netherlands, figure by figure.
ICS MasterCard Classic is the stronger pick for most expats.
- Monthly fee: €3.25/mo vs €4.33/mo
| Figure | ||
|---|---|---|
| Monthly fee | €4.33/mo | €3.25/mo (better) |
| Foreign transaction fee | 2.00% | 2.00% |
| Card network | visa | mastercard |
| Travel insurance | Included | Included |
| Apple Pay | Supported | Supported |
| Card type | Charge card | Charge card |
| Minimum income | €1,500 net a month. From work or pension, plus ANWB membership. | €1,500 net a month |
| BKR checked when you apply | Yes | Yes |
| Card registered at BKR | No | No |
| Rate check | Verified 1 November 2026 | Verified 1 November 2026 |
Bold marks the better value in a row. Figures are checked daily against provider sources; each product page shows when its figures were last confirmed.
ANWB Visa Gold
What we like
- 365-day purchase protection
- Travel insurance included
- Baggage insurance included
- Apple Pay support
What to consider
- ANWB membership required
- 2% foreign transaction fee
- No rewards program
- Higher annual fee than Classic
ICS 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
Questions
Is ANWB Visa Gold or ICS MasterCard Classic better for expats in the Netherlands?
ICS MasterCard Classic is the stronger all-round pick for most expats. Monthly fee: €3.25/mo vs €4.33/mo
Which card has lower fees abroad, ANWB Visa Gold or ICS MasterCard Classic?
Both charge the same foreign transaction fee: 2.00%.
Do ANWB Visa Gold and ICS MasterCard Classic check or register you at BKR?
ANWB Visa Gold: BKR is checked when you apply; the card is not registered at BKR. ICS MasterCard Classic: BKR is checked when you apply; the card is not registered at BKR.