Head to head · 2026
Visa World Card Gold 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
Visa World Card Gold is the stronger pick for most expats.
- Travel insurance: Included vs Not included
ICS
Our pickVisa World Card Gold
Upgraded Visa with 365-day purchase protection and basic travel insurance. Good middle-ground for regular travelers.
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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.
Visa World Card Gold
What we like
- 365-day purchase protection
- Travel insurance included
- Interest on positive balance (bonus 0.5% until May 2026)
- Higher coverage limits
What to consider
- 2% foreign transaction fee
- Higher annual fee than basic card
- Same credit limit as basic card
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 Visa World Card Gold or ING Creditcard better for expats in the Netherlands?
Visa World Card Gold is the stronger all-round pick for most expats. Travel insurance: Included vs Not included
Which card has lower fees abroad, Visa World Card Gold or ING Creditcard?
Both charge the same foreign transaction fee: 2.00%.
Do Visa World Card Gold and ING Creditcard require a BKR credit check?
Visa World Card Gold 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.