ICS
MasterCard Classic
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Budget-friendly true credit card from ICS. Lower annual fee than Visa World Card. Basic protection and worldwide Mastercard acceptance.
Rates last verified: 27 February 2026
The verdict
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
Financial details
Banking features
Insurance coverage
Requirements
You will typically need: Dutch address, BSN number, valid ID/passport, and proof of income (payslip or employment contract).
How to apply
Gather your documents
Have your BSN number, valid ID or passport, proof of Dutch address, and proof of income (min. €1,500/month) ready.
Start the application
Visit ICS's website and fill in the online application form. This typically takes 5–10 minutes.
Identity verification
Your identity will be verified and a BKR credit check will be performed. This is standard for Dutch credit cards.
Receive your card
Your card will arrive within 10 business days by post. Activate it online or via the app.
Affiliate link — we may earn a commission. Details
Affiliate link — we may earn a commission. Details
You'll need your BSN and proof of income
Quick facts
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