ANWB Visa Gold vs ICS Mastercard Black
Two credit cards for expats in the Netherlands, figure by figure.
ANWB Visa Gold is the stronger pick for most expats.
- Monthly fee: €4.33/mo vs €18.75/mo
| Figure | ||
|---|---|---|
| Monthly fee | €4.33/mo (better) | €18.75/mo |
| Foreign transaction fee | 2.00% | 2.00% |
| Card network | visa | mastercard |
| Travel insurance | Included | Included |
| Apple Pay | Supported | Supported |
| Card type | Charge card | Charge card |
| Minimum income | €1,500 net a month. From work or pension, plus ANWB membership. | €1,500 net a month |
| BKR checked when you apply | Yes | Yes |
| Card registered at BKR | No | No |
| Rate check | Verified 19 October 2026 | Verified 19 October 2026 |
Bold marks the better value in a row. Figures are checked daily against provider sources; each product page shows when its figures were last confirmed.
ANWB Visa Gold
What we like
- 365-day purchase protection
- Travel insurance included
- Baggage insurance included
- Apple Pay support
What to consider
- ANWB membership required
- 2% foreign transaction fee
- No rewards program
- Higher annual fee than Classic
ICS 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
Questions
Is ANWB Visa Gold or ICS Mastercard Black better for expats in the Netherlands?
ANWB Visa Gold is the stronger all-round pick for most expats. Monthly fee: €4.33/mo vs €18.75/mo
Which card has lower fees abroad, ANWB Visa Gold or ICS Mastercard Black?
Both charge the same foreign transaction fee: 2.00%.
Do ANWB Visa Gold and ICS Mastercard Black check or register you at BKR?
ANWB Visa Gold: BKR is checked when you apply; the card is not registered at BKR. ICS Mastercard Black: BKR is checked when you apply; the card is not registered at BKR.