ICS Visa World Card vs ING Creditcard
Two credit cards for expats in the Netherlands, figure by figure.
ICS Visa World Card is the stronger pick for most expats.
- Travel insurance: Included vs Not included
| Figure | ||
|---|---|---|
| Monthly fee | €3.58/mo | €2.00/mo (better) |
| Foreign transaction fee | 2.00% | 2.00% |
| Card network | visa | mastercard |
| Travel insurance | Included (better) | Not included |
| Apple Pay | Supported | Supported |
| Card type | Charge card | Charge card |
| Minimum income | €1,500 net a month | €500 a month. Paid into your ING current account, from work, a business, a pension or an allowed benefit. |
| BKR checked when you apply | Yes | Yes |
| Card registered at BKR | No | No |
| Rate check | Verified 29 October 2026 | Not yet verified |
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 Visa World Card
What we like
- 180-day purchase protection
- Worldwide Visa acceptance
- Interest on positive balance above €500
- Apple Pay and contactless payments
What to consider
- 2% foreign transaction fee
- No rewards program
- Requires €1,500/month net income
ING Creditcard
What we like
- Low annual fee (€24)
- 365-day purchase protection
- ING Punten rewards program
- Integrates with ING app
What to consider
- 2% foreign transaction fee
- Requires ING current account
- Basic rewards value
- Limited to €5,000 credit limit
Questions
Is ICS Visa World Card or ING Creditcard better for expats in the Netherlands?
ICS Visa World Card is the stronger all-round pick for most expats. Travel insurance: Included vs Not included
Which card has lower fees abroad, ICS Visa World Card or ING Creditcard?
Both charge the same foreign transaction fee: 2.00%.
Do ICS Visa World Card and ING Creditcard check or register you at BKR?
ICS Visa World Card: BKR is checked when you apply; the card is not registered at BKR. ING Creditcard: BKR is checked when you apply; the card is not registered at BKR.