Best for:TravelLounge AccessPremium
Premium ICS card with AXA travel insurance, 4 Priority Pass lounge visits per year, and airport fast-track passes.
The verdict
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
Financial details
Monthly fee€18.75
Foreign transaction fee2%
Credit limit€1,000 – €5,000
Interest-free period21 days
Late payment fee€15
Banking features
Card networkmastercard
Daily ATM withdrawal limit€750
ATM fees4% (negative balance) or 1% max €1.50 (positive balance)
Contactless paymentsSupported
Apple PaySupported
Google PaySupported
Choose your PINYes
Max cards per account2
Additional card cost€135
Free replacement cardYes
Insurance coverage
Purchase protectionIncluded
Travel insuranceIncluded
Flight delay insuranceIncluded
Baggage insuranceIncluded
Car rental insuranceIncluded
Cancellation insuranceIncluded
Medical insuranceIncluded
Legal assistanceNot included
Fraud protectionIncluded
24h helplineAvailable
Requirements
Minimum net income€1,500/month
BKR credit checkRequired
Delivery time10 business days
You will typically need: Dutch address, BSN number, valid ID/passport, and proof of income (payslip or employment contract).
How to apply
1
Gather your documents
Have your BSN number, valid ID or passport, proof of Dutch address, and proof of income (min. €1,500/month) ready.
2
Start the application
Visit ICS's website and fill in the online application form. This typically takes 5–10 minutes.
3
Identity verification
Your identity will be verified and a BKR credit check will be performed. This is standard for Dutch credit cards.
4
Receive your card
Your card will arrive within 10 business days by post. Activate it online or via the app.
Quick facts
Provider
ICS
Tap to pay
Contactless ready