ICS Mastercard Black vs ICS Visa World Card Gold
Two credit cards for expats in the Netherlands, figure by figure.
ICS Visa World Card Gold is the stronger pick for most expats.
- Monthly fee: €4.96/mo vs €18.75/mo
| Figure | ||
|---|---|---|
| Monthly fee | €18.75/mo | €4.96/mo (better) |
| Foreign transaction fee | 2.00% | 2.00% |
| Card network | mastercard | visa |
| 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 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
Questions
Is ICS Mastercard Black or ICS Visa World Card Gold better for expats in the Netherlands?
ICS Visa World Card Gold is the stronger all-round pick for most expats. Monthly fee: €4.96/mo vs €18.75/mo
Which card has lower fees abroad, ICS Mastercard Black or ICS Visa World Card Gold?
Both charge the same foreign transaction fee: 2.00%.
Do ICS Mastercard Black and ICS Visa World Card Gold check or register you at BKR?
ICS Mastercard Black: BKR is checked when you apply; the card is not registered at BKR. ICS Visa World Card Gold: BKR is checked when you apply; the card is not registered at BKR.