Head to head · 2026
Flying Blue Silver Card 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
ING Creditcard is the stronger pick for most expats.
- Monthly fee: €2.00/mo vs €6.25/mo
- Foreign transaction fee: 2.00% vs 2.50%
- Minimum income: €1,000/mo vs €1,500/mo
American Express
Flying Blue Silver Card
Entry Flying Blue card with first year free. Earn 0.8 miles per €1 and 15 XP points. Good starting point for occasional KLM travelers.
Affiliate link — we may earn a commission. Details
ING
Our pickING 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.
Flying Blue Silver Card
What we like
- First year free (then €75/year)
- 2,500 welcome miles
- 15 XP points toward status
- Lower income requirement
What to consider
- Lower earning rate (0.8 miles/€1)
- 2.5% foreign transaction fee
- Minimal travel benefits
- Limited Amex acceptance
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 Flying Blue Silver Card or ING Creditcard better for expats in the Netherlands?
ING Creditcard is the stronger all-round pick for most expats. Monthly fee: €2.00/mo vs €6.25/mo
Which card has lower fees abroad, Flying Blue Silver Card or ING Creditcard?
ING Creditcard is cheaper abroad, with a 2.00% foreign transaction fee.
Do Flying Blue Silver Card and ING Creditcard require a BKR credit check?
Flying Blue Silver Card does not require 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.