ICS MasterCard Classic vs ICS Visa World Card Gold
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 €4.96/mo
| Figure | ||
|---|---|---|
| Monthly fee | €3.25/mo (better) | €4.96/mo |
| 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 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
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 Classic or ICS Visa World Card Gold better for expats in the Netherlands?
ICS MasterCard Classic is the stronger all-round pick for most expats. Monthly fee: €3.25/mo vs €4.96/mo
Which card has lower fees abroad, ICS MasterCard Classic or ICS Visa World Card Gold?
Both charge the same foreign transaction fee: 2.00%.
Do ICS MasterCard Classic and ICS Visa World Card Gold check or register you at BKR?
ICS MasterCard Classic: 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.