Apply for a credit card

You can apply for a credit card if you are 18 or over and live in the Netherlands. You also need a net monthly income of at least €1,500, or tax-free allowance of at least €27,500 in Box 3 over the past two years. This amount is your total taxable wealth after deductions. ICS will then review your application.

Follow these steps to apply for a credit card:

1. Complete the application form. Check your details. Is any information missing or incorrect? Update your details in Profile.
2. We will send your application to our credit card partner International Card Services (ICS). You will receive an email from ICS with the next steps. In some cases, ICS may ask for additional information or ask you to verify your identity again.
3. You will receive an email from ICS explaining how to choose your PIN. At the same time, ICS will review your application. This usually takes 5 to 10 working days.
4. Once you have chosen your PIN and your application has been approved, your credit card will be sent to your home address within 5 to 10 working days.

To apply for a credit card, you will need:

• a valid ID
• proof of income
• an ABN AMRO current account

The monthly fee depends on the credit card you choose:

• ABN AMRO Credit Card: €2.55 a month
• ABN AMRO Gold Card: €4.45 a month
• ABN AMRO Student Credit Card: €1.31 per month a month

ICS will let you know within approximately 10 working days whether your application has been approved. In the meantime, you will receive an email from ICS explaining how to choose your PIN. Once you have chosen your PIN and your application has been approved, your credit card will be sent to your home address within 5 to 10 working days.

Yes, you can.

If your income varies, for example because you:

• have a temporary or flexible contract
• are self-employed

ICS may ask for additional information, such as recent bank statements.

• The ABN AMRO Credit Card is a convenient worldwide payment method, which also provides basic insurance such as purchase protection for up to 180 days. 
• The ABN AMRO Gold Card gives you extra peace of mind. Purchases are protected for 365 days and we insure the excess on rental cars for up to €500. 
• The ABN AMRO Student Credit Card has a lower spending limit but the same basic insurance, such as compensation if your flight or luggage is delayed. Perfect for students when travelling. 

With a debit card, payments are taken directly from your bank account. With a credit card, you pay later, up to your available spending limit.

A credit card also offers extra benefits, such as:

• insurance cover for eligible purchases
• the possibility of getting your money back if a product is not delivered
• discounts on hotels, electronics and more through ICS Specials

Yes, you can. You can easily add your credit card through the ABN AMRO app. Once added, you can make contactless payments straight away using your phone or smartwatch, both in the Netherlands and abroad.

If your credit card is lost, stolen or used fraudulently, contact International Card Services (ICS) immediately on +31 (0)20 660 06 11 (standard call charges apply) to have your card blocked.

ICS is available 24 hours a day, 7 days a week to help you.