Best for:BudgetFirst Card
Budget-friendly true credit card from ICS. Lower annual fee than Visa World Card. Basic protection and worldwide Mastercard acceptance.
The verdict
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
Financial details
Monthly fee€3.00
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€500
ATM fees4% (negative balance) or 1% max €1.50 (positive balance)
Contactless paymentsSupported
Apple PaySupported
Google PayNot supported
Choose your PINYes
Max cards per account1
Free replacement cardNo
Insurance coverage
Purchase protectionIncluded
Purchase protection deductible€75
Travel insuranceIncluded
Flight delay insuranceIncluded
Baggage insuranceIncluded
Car rental insuranceNot included
Cancellation insuranceNot included
Medical insuranceNot included
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