Head to head · 2026
Visa World 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
Visa World Card is the stronger pick for most expats.
- Travel insurance: Included vs Not included
ICS
Our pickVisa World Card
The most popular credit card in the Netherlands. Worldwide Visa acceptance with 180-day purchase protection. A solid starter card for expats.
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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
What we like
- 180-day purchase protection
- Worldwide Visa acceptance
- Interest on positive balance above €500
- Apple Pay and contactless payments
What to consider
- 2% foreign transaction fee
- No rewards program
- Requires €1,500/month net income
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 or ING Creditcard better for expats in the Netherlands?
Visa World Card is the stronger all-round pick for most expats. Travel insurance: Included vs Not included
Which card has lower fees abroad, Visa World Card or ING Creditcard?
Both charge the same foreign transaction fee: 2.00%.
Do Visa World Card and ING Creditcard require a BKR credit check?
Visa World Card 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.