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The following products are the most popular non-bank credit cards in the Netherlands.

Technically, these are all charge cards, which means your bill must be paid in full each month. No revolving credit cards that carry a balance are issued in the Netherlands currently.

You can apply for a card by clicking on the link below the editor's review (Dutch).

The following products are the most popular non-bank credit cards in the Netherlands . » Lees meer

The following products are the most popular non-bank credit cards in the Netherlands.

Technically, these are all charge cards, which means your bill must be paid in full each month. No revolving credit cards that carry a balance are issued in the Netherlands currently.

You can apply for a card by clicking on the link below the editor's review (Dutch).

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Popular Dutch credit cards

This well-known credit card has been dominating the Dutch market for decades. It is usually free to new subscribers for the first year.

Zie of je in aanmerking komt voor deze creditcard

This allround Mastercard is very similar to the Visa World Card, except for the network and the card fee. It is suitabe for consumers who want a basic credit card without superfluous extras.

Zie of je in aanmerking komt voor deze creditcard

One of the cheapest credit cards available in the Netherlands, designed for members of the car drivers union ANWB. Membership of the union is required, and will cost an additional 15,50 euros every year.

Zie of je in aanmerking komt voor deze creditcard

Flying Blue American Express Silver Card

For international air travellers, we could recommend this Amex card, which offers rewards on all card expenditures. American Express cards are not commonly accepted in Dutch shops, however.

1e jaar gratis + 2.500 mijlen cadeau

Zie of je in aanmerking komt voor deze creditcard

About Dutch credit cards

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

International Card Services (ICS)

International Card Services is by far the largest Dutch issuer of non-bank credit cards. ICS was the first 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 contact ICS. You can also visit the Expat desk of ABN Amro. They offer specific services geared towards expats.

What about interest?

The typical APR in the Netherlands is around 14% per annum. This is the maximum interest rate set by the Dutch government, which has been lowered to 10% during the corona pandemic.

Most Dutch people however do not prefer to delay payments, and only 20% of existing credit cards are revolving credit cards that carry a balance.

No new revolving cards are issued currently. This means credit card bills need to be paid in full at the end of each month.

For new card owners, this implies they don't have to pay any interest on their card expenditures.

All issued credit cards in Holland do allow the use of direct debit (automatische incasso).

annual fee	limit	rating (1-10)
€ 42,95	€ 5.000,-	8,60

annual fee	limit	rating (1-10)
€ 35,95	€ 5.000,-	8,50

annual fee	limit	rating (1-10)
€ 24,95	€ 5.000,-	8,10

annual fee	limit	rating (1-10)
€ 75,-	-	7,40

Popular Dutch credit cards

Visa World Card

Mastercard Classic

ANWB Visa Classic Card

Flying Blue American Express Silver Card

About Dutch credit cards

International Card Services (ICS)

English service desk

What about interest?