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ICS MasterCard Classic

ICS · mastercard · Charge card

Apply with ICS
ICS MasterCard Classic card
Monthly fee
€3.25€38.95 a year
Foreign transaction fee
2.00%on non-euro spending
BKR check
Yesnot re-confirmed: see requirements
Income needed
€1,500 a monthnot re-confirmed: see requirements

Rates last verified: 1 November 2026

Checked against ICS’s own pages on 4 October 2026: card type, foreign fee; fee; BKR; income, who can apply. Terms change: check them there before you apply.

About this card

Budget-friendly true credit card from ICS. Lower annual fee than Visa World Card. Basic protection and worldwide Mastercard acceptance.

Charge card: a credit line you repay in full each month. Full balance due within 21 days; spreading repayments ended on 1 October 2024.

Best for: Budget, First Card

Pros and cons

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

All fees and limits

Monthly fee
€3.25
Foreign transaction fee
2.00%
Credit limit
€1,000 – €5,000
Interest-free period
21 days
Late payment fee
€15

Everyday use

Card network
mastercard
Daily ATM withdrawal limit
€500
ATM fees
4% (negative balance) or 1% max €1.50 (positive balance)
Contactless payments
Supported
Apple Pay
Supported
Google Pay
Not supported
Choose your PIN
Yes
Max cards per account
1
Free replacement card
No

Insurance

Purchase protection
Included
Purchase protection deductible
€75
Travel insurance
Included
Flight delay insurance
Included
Baggage insurance
Included
Car rental insurance
Not included
Cancellation insurance
Not included
Medical insurance
Not included
Legal assistance
Not included
Fraud protection
Included
24h helpline
Available

Requirements

Card type
Charge card: a credit line you repay in full each monthNot re-confirmed since 4 October 2026: check with the provider before you apply.
Minimum income
€1,500 net a monthNot re-confirmed since 4 October 2026: check with the provider before you apply.
BKR checked when you apply
YesNot re-confirmed since 4 October 2026: check with the provider before you apply.
Card registered at BKR
NoNot re-confirmed since 4 October 2026: check with the provider before you apply.
BSN
Not stated by ICS.
Who can apply
18 or older, living in the Netherlands, no negative BKR registration.Not re-confirmed since 4 October 2026: check with the provider before you apply.
Delivery time
10 business days

How to apply

  1. 1Gather your documentsHave a valid ID or passport and proof of your address in the Netherlands ready, and proof of income (€1,500 net a month).
  2. 2Start the applicationVisit ICS's website and fill in the online application form. This typically takes 5–10 minutes.
  3. 3Identity verificationYour identity will be verified. BKR is checked when you apply; the card is not registered at BKR.
  4. 4Receive your cardYour card will arrive within 10 business days by post. Activate it online or via the app.
Apply with ICS

Other cards

Other credit cards
CardMonthly feeForeign feeBKR checkIncome needed
Amex Blue CardAmerican Express · Charge cardCard type not re-confirmed
€3.002.50%Yesnot registerednot re-confirmed€30,000 a yeargrossnot re-confirmed
Visa World CardICS · Charge cardCard type not re-confirmed
€3.582.00%Yesnot registerednot re-confirmed€1,500 a monthnetnot re-confirmed
ABN AMRO Credit CardABN AMRO · Charge cardCard type not re-confirmed
€2.552.00%Yesnot registerednot re-confirmed€1,500 a monthnetnot re-confirmed

Where ICS MasterCard Classic ranks

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