About Dutch credit cards

In The Netherlands the usage of credit cards is rather limited. This is caused by the popularity of the relatively advanced debit card system. Even online, Dutch prefer the debit system (iDeal) over paying by credit card.

International Card Services

International Card Services is by far the largest Dutch issuer of non-bank credit cards. International Card Services is the formerly sole Visa affiliate in the Netherlands. The Visa World Card is their flagship product.

English service desk

Unfortunately, there is no English application form for most Dutch credit cards. If you have any problems filling in the application form, please send us your question (in English) via email. You can also visit the Expat desk of ABN Amro. They offer specific services geared towards expats.

Interest

The typical APR is around 14% per annum (the maximum interest rate set by the Dutch government). Most Dutch people however do not prefer to delay payments, and only 20% of the credit cards are revolving credit cards. All issued credit cards in Holland allow the use of direct debit (automatische incasso).