Apply for a credit card (2024)

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in the Netherlands

Apply for a credit card now

Do you want to use a Dutch credit card? Whether you’re shopping online or just want to pay for your purchases in a shop, using a credit card makes your payments easy and secure, wherever you are in the world. What’s more, your purchases are then insured against theft, loss and damage. Sound good to you? Apply for your credit card in the Netherlands now.

Take a look at our credit cards

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ABN AMRO Gold Card

per month

4,25

  • Secure payments anywhere in the world
  • Convenient when travelling
  • Purchases insured for 365 days against theft, loss and damage
  • Pay with Apple Pay
  • Car rental excess covered
  • Car legal expenses

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MOST POPULAR

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ABN AMRO Credit Card

  • Secure payments anywhere in the world
  • Convenient when travelling
  • Purchases insured for 180 days against theft, loss and damage
  • Pay with Apple Pay
  • Car rental excess covered
  • Car legal expenses

Apply for a Credit Card More about the Credit Card

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ABN AMRO Student Credit Card

per month

1,16

  • Secure payments anywhere in the world
  • Convenient when travelling
  • Purchases insured for 180 days against theft, loss and damage
  • Income needed of at least €500 per month
  • Pay with Apple Pay
  • Car rental excess covered
  • Car legal expenses

Apply for a Student Credit Card More about the Student Credit Card

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ABN AMRO Gold Card

per month

4,25

  • Secure payments anywhere in the world
  • Convenient when travelling
  • Purchases insured for 365 days against theft, loss and damage
  • Pay with Apple Pay
  • Car rental excess covered
  • Car legal expenses

Apply for a Gold Card More about the Gold Card

MOST POPULAR

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ABN AMRO Credit Card

per month

2,05

  • Secure payments anywhere in the world
  • Convenient when travelling
  • Purchases insured for 180 days against theft, loss and damage
  • Pay with Apple Pay
  • Car rental excess covered
  • Car legal expenses

Apply for a Credit Card More about the Credit Card

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ABN AMRO Student Credit Card

per month

1,16

  • Secure payments anywhere in the world
  • Convenient when travelling
  • Purchases insured for 180 days against theft, loss and damage
  • Income needed of at least €500 per month
  • Pay with Apple Pay
  • Car rental excess covered
  • Car legal expenses

Apply for a Student Credit Card More about the Student Credit Card

Which credit card is right for me?

The security offered by a credit card

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Purchases insured

All purchases you make with your credit card are insured against theft, loss and damage for at least 180 days. And all our credit cards include a delivery guarantee.

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Leave all your worries behind

You get flight delay insurance and luggage delay insurance on all trips you book with your credit card.

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Secure payments everywhere

You can use your credit card to pay for your purchases anywhere in the world, both online and in the shops. And you can make contactless payments.

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Compare all our credit cards

This table shows the rates and summarises the benefits of the different ABN AMRO credit cards.

Type of credit card Student Card Credit Card Gold Card
Fee €1.16 per month
€2.05 per month
€4.25 per month
Costs of an additional card N.A. € 1 € 2
Period of purchase protection 180 days 180 days 365 days
Withdrawing cash 4% 4% 4%
Foreign transaction fee 2% 2% 2%
Spending limit up to €1,500 up to €5,000 up to €5,000
Pay unpaid balance within 21 days within 21 days within 21 days
Convenient benefits - Flight delay insurance
- Luggage delay insurance
- Delivery guarantee
- 24/7 fraud prevention
- Make contactless payments
- Flight delay insurance
- Luggage delay insurance
- Delivery guarantee
- 24/7 fraud prevention
- Make contactless payments
- Flight delay insurance
-Luggage delay insurance
- Delivery guarantee
- 24/7 fraud prevention
- Make contactless payments
- Travel accident insurance
- Car legal expenses insurance with car rental
- Excess for car rental insurance

Who can apply for a credit card?

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18 or older

You must be 18 or older to apply for a credit card.

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Living in the Netherlands

You need to be living in the Netherlands to apply for a credit card.

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Monthly income

Your net monthly income is at least €1,150, or a minimum freely taxable capital in box 3 of € 20,000 is required. This means that you will not qualify for a credit card if you are on unemployment benefits.

Frequently asked questions

How do I request a Dutch credit card?

Requesting a credit card in the Netherlands is easy:

  • Fill in the application form .
  • Select your credit card and check your details. Please add any information that is missing . Make sure all your details are correct before you submit your application.
  • International Card Services (ICS) will send you an email that explains how to choose your PIN. ICS will check your application in the meantime. This will take around 10 working days.
  • Once you have chosen a PIN and your application has been approved, your credit card will be sent to your home address within 5 to 10 working days.
Which credit cards are accepted in the Netherlands?

Credit cards such as Visa, MasterCard and American Express are accepted in the Netherlands.

Do you want to apply for a Dutch credit card? At ABN AMRO you can apply for a Credit Card, a Gold Card or the Student Card. These credit cards are all Mastercards and worldwide accepted.

Can I use credit cards in the Netherlands?

Yes, credit cards are accepted in the Netherlands at restaurants, hotels, and tourist destinations. You can also use your credit card for online purchases. If you only have a credit card, be advised that in most cases Dutch supermarkets do not accept credit cards. Therefore it is advised to have a Dutch debit card as well or pay with cash.

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Creditcard Online

Manage your credit card online on our Creditcard Online platform. Activate or block your card and easily request your PIN.

Creditcard Online

Other useful items

  • Secure payments using your MasterCard
  • Secure payments using your Visa Card
  • Additional credit card
Apply for a credit card (2024)

FAQs

How much money should I say I make when applying for a credit card? ›

If you know your annual salary and have no other sources of income, you can use that number directly as your gross income. You can also refer to your most recent tax return, which should include a gross annual income number. Otherwise, you may need to add up all your sources of income.

What is the best advice to give someone that wants to apply for multiple credit cards? ›

Try to keep your applications about three to six months apart. This will give your credit score time to bounce back from hard inquiries and give you time to see if you actually need another new card.

What income is too low for a credit card? ›

Broadly speaking, there is no minimum income requirement to get approved for a credit card, as long as your income could easily cover the minimum payments on a relatively small credit line.

Do credit cards check your income? ›

In addition to your contact information and household bills, credit card applications ask for your annual or monthly income. Card issuers use this information, along with your credit reports and credit scores, to decide whether to approve your application.

What is the quickest way to get a credit card? ›

Applying for a credit card online is often the quickest option.

What credit card has a $2000 limit for bad credit? ›

First Latitude Select Mastercard® Secured Credit Card

Past credit issues shouldn't prevent you from getting a credit card with great benefits & rewards! Choose your own fully-refundable credit line – $200 to $2000 – based on your security deposit.

Why do I keep getting denied for credit cards? ›

You have high outstanding debt

Having too much debt might hurt your chances of being approved for new credit, especially if your debt-to-income ratio or credit utilization ratio is high. Your debt-to-income ratio measures your debt as it relates to your income, and it may indicate whether you can handle more debt.

What is the number one rule for credit cards? ›

Always Make Payments on Time

One of the most essential rules to owning a credit card is paying bills on time. A single late payment within a year of on-time payments might not seem to be much, but it could be a slippery slope that leads to debt and low credit scores and it will impact your credit.

What is the 5 24 rule for Chase? ›

Many card issuers have criteria for who can qualify for new accounts, but Chase is perhaps the most strict. Chase's 5/24 rule means that you can't be approved for most Chase cards if you've opened five or more personal credit cards (from any card issuer) within the past 24 months.

Is it bad to have a lot of credit cards with zero balance? ›

However, multiple accounts may be difficult to track, resulting in missed payments that lower your credit score. You must decide what you can manage and what will make you appear most desirable. Having too many cards with a zero balance will not improve your credit score. In fact, it can actually hurt it.

Should I tell my credit card how much I make? ›

You aren't obligated to provide information about your income to a credit card issuer unless you are applying for a new card or requesting a credit limit increase. Responding to a card issuer's inquiry about your current earnings can have its benefits if your pay has increased.

What do I put for annual income? ›

Annual income is the total amount of money you earn during one year. It includes your salary and other payment sources such as Social Security checks and welfare assistance. In some cases, your annual income might be for a calendar year, which is from January 1 to December 31 of the same year.

What's a good annual income? ›

A Smart Asset report based on MIT's Living Wage data found that the average salary required to live comfortably in the U.S. is $68,499 after taxes. This is nearly $10,000 higher than what the average salary currently is.

What is a good starting amount for a credit card? ›

If you're just starting out, a good credit limit for your first card might be around $1,000. If you have built up a solid credit history, a steady income and a good credit score, your credit limit may increase to $5,000 or $10,000 or more — plenty of credit to ensure you can purchase big ticket items.

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