Head to head · 2026
Mastercard Black 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 €18.75/mo
- Minimum income: €1,000/mo vs €1,500/mo
ICS
Mastercard Black
Premium ICS card with AXA travel insurance, 4 Priority Pass lounge visits per year, and airport fast-track passes.
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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.
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
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 Mastercard Black 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 €18.75/mo
Which card has lower fees abroad, Mastercard Black or ING Creditcard?
Both charge the same foreign transaction fee: 2.00%.
Do Mastercard Black and ING Creditcard require a BKR credit check?
Mastercard Black 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.