Head to head · 2026
bunq Credit Card vs MasterCard Classic
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 €3.00/mo
- Foreign transaction fee: None vs 2.00%
- Minimum income: None stated vs €1,500/mo
- BKR credit check: Not required vs Required
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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ICS
MasterCard Classic
Budget-friendly true credit card from ICS. Lower annual fee than Visa World Card. Basic protection and worldwide Mastercard acceptance.
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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.
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
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
Frequently asked
Is bunq Credit Card or MasterCard Classic better for expats in the Netherlands?
bunq Credit Card is the stronger all-round pick for most expats. Monthly fee: €0 vs €3.00/mo
Which card has lower fees abroad, bunq Credit Card or MasterCard Classic?
bunq Credit Card is cheaper abroad, with a 0% foreign transaction fee.
Do bunq Credit Card and MasterCard Classic require a BKR credit check?
bunq Credit Card does not require a BKR credit check, and MasterCard Classic requires one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.