Head to head · 2026
MasterCard 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
MasterCard Classic is the stronger pick for most expats.
- Travel insurance: Included vs Not included
ICS
Our pickMasterCard 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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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.
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
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 Classic or ING Creditcard better for expats in the Netherlands?
MasterCard Classic is the stronger all-round pick for most expats. Travel insurance: Included vs Not included
Which card has lower fees abroad, MasterCard Classic or ING Creditcard?
Both charge the same foreign transaction fee: 2.00%.
Do MasterCard Classic and ING Creditcard require a BKR credit check?
MasterCard 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.