ICS Mastercard Black vs ICS MasterCard Classic
Two credit cards for expats in the Netherlands, figure by figure.
ICS MasterCard Classic is the stronger pick for most expats.
- Monthly fee: €3.25/mo vs €18.75/mo
| Figure | ||
|---|---|---|
| Monthly fee | €18.75/mo | €3.25/mo (better) |
| Foreign transaction fee | 2.00% | 2.00% |
| Card network | mastercard | mastercard |
| Travel insurance | Included | Included |
| Apple Pay | Supported | Supported |
| Card type | Charge card | Charge card |
| Minimum income | €1,500 net a month | €1,500 net a month |
| BKR checked when you apply | Yes | Yes |
| Card registered at BKR | No | No |
| Rate check | Verified 29 October 2026 | Verified 29 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.
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
ICS 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
Questions
Is ICS Mastercard Black or ICS MasterCard Classic better for expats in the Netherlands?
ICS MasterCard Classic is the stronger all-round pick for most expats. Monthly fee: €3.25/mo vs €18.75/mo
Which card has lower fees abroad, ICS Mastercard Black or ICS MasterCard Classic?
Both charge the same foreign transaction fee: 2.00%.
Do ICS Mastercard Black and ICS MasterCard Classic check or register you at BKR?
ICS Mastercard Black: BKR is checked when you apply; the card is not registered at BKR. ICS MasterCard Classic: BKR is checked when you apply; the card is not registered at BKR.