Could a single payment product change how a traveler or online shopper feels about safety and convenience in daily life?
This introduction explains a popular Mastercard issued by ICS for private account holders at a Dutch bank. It highlights concrete numbers: an annual cost of €24 per jaar and credit limits from €1,000 to €5,000.
The card matters for hotel holds, car rentals, and purchase protection. It adds 180-day cover, a delivery guarantee, and supplementary travel insurance for private trips. Apple Pay, Garmin Pay, and contactless payments make spending easier abroad and at home.
Applicants must be 18+, live locally, show net monthly income of at least €1,150, have no negative BKR entry, and hold a qualifying account. The online form takes about ten minutes and the card arrives in one to two weeks.
Readers will find a clear summary of costs, FX charges (2% on foreign transactions), and billing rules—monthly balances must be paid in full. This section sets expectations before the full product review on this site.
At a glance: Knab Creditcard essentials for the Netherlands
Here is a clear snapshot of the knab creditcard’s main features and practical costs. The annual price is €24 per jaar for the primary product and €24 for an extra kaart for a partner.
The bestedingslimiet sits between €1,000 and €5,000, set by ICS after assessment. The aankoopverzekering covers purchases for 180 dagen against verlies, diefstal, and beschadiging, with an eigen risico per claim typically between €25 and €50.
Aflevergarantie refunds the purchase if a retailer fails to deliver after you try to resolve the issue. FX on non‑euro transactions is 2% and ATM withdrawals cost 1% (min €1.50), rising to 4% if the balance is negative.
Transfers to a rekening cost 2.5% unless the card balance is positive, when transfers are free. Contactloos and contactloos betalen work up to €50 and the product supports Apple Pay and Garmin Pay via the ICS app.
Statements arrive early each month and cardholders have 21 dagen to pay in full. The account in the app lets users monitor activity and act quickly if they spot a problem.
Knab credit card Netherlands interest fees rewards approval
Understand how billing works, the main costs to budget for, and the steps needed to get this payment product via ICS.
The knab creditcard uses a pay‑in‑full model: a monthly statement is issued early each maand and users have 21 dagen to settle the full saldo. There is no revolving plan or installment option, so purchases must be repaid in full each month.
Core kosten include a €24 annual charge for the primary card and €24 for an extra kaart. Foreign transactions carry a 2% FX charge. ATM withdrawals cost 1% (min €1.50) and rise to 4% if the saldo becomes negative, which discourages overdrawing.
Transfers of geld from the card to a bank rekening cost 2.5% unless the card holds a positive balance, when transfers are free. Purchase protection runs for 180 dagen with an eigen risico per claim reported around €25–€50; users should check the policy for full limits.
There is no rewards program; benefits come from purchase cover, travel protections, and Mastercard acceptance. Applications are processed via ics, require a qualifying private account, age 18+, residency, valid ID, no negative BKR entry, and net monthly income ≥ €1,150. The online form takes about ten minutes and the card typically arrives within 1–2 weeks.
Core benefits and protections that matter day to day
Everyday protections can turn an ordinary purchase into a safer, less stressful experience for shoppers and travelers.
The aankoopverzekering covers eligible purchases for up to 180 days against verlies, diefstal, and beschadiging. Typical claims include a per‑incident risico of about €25 or €50, and total cover may reach up to €50,000 for qualifying items.
Aflevergarantie helps when a merchant fails to deliver or sends the wrong product. After users try to resolve the issue, the issuer can recover the full purchase amount on eligible claims.
Supplementary travel benefits include reisongevallen cover up to €42,750, flight delay allowances (€150/day), and baggage delay support (€125/day). Emergency assistance is included for private trips.
Security features let users block a lost or stolen card instantly via the issuer and request a free replacement. Dispute support helps with fraudulent or incorrect transactions, while Mastercard SecureCode adds an extra step for safer online checkout.
The product supports apple pay and Garmin Pay and enables contactloos betalen up to local limits, making payments fast and secure in stores and apps.
Who qualifies and how to apply via ICS
Eligibility and the online application process are straightforward for most private account holders.
To be in aanmerking, applicants must hold a Knab private rekening, be at least 18, live in the Netherlands, and have no negative BKR entry. The minimum net monthly income required is €1,150 from work or pension.
Before starting, prepare a valid passport or ID and recent income and bank details. The online form on the issuer’s website takes about 10 minutes to complete via ICS.
After submitting, applicants usually hear back quickly and the physical card arrives within 1–2 weken/dagen. Joint account holders may request an extra partner card for €24 each.
Once activated, users should set up the ICS app for real‑time alerts and controls. If circumstances change, cancellation requires one month’s notice via the site or bank support.
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How Knab stacks up in the Dutch market
Price and protection drive most decisions. Price per jaar matters for travelers and regular shoppers. The issuer sits below many midrange options while offering 180 dagen aankoopverzekering on the base tier.
Compared with ICS Visa World and visa world Gold/Platinum tiers, the product is cheaper than the World Card Gold and Platinum pricing. ICS options list higher annual charges but extend protection to 365 days and add travel insurance at higher tiers.
Bank-linked cards from ABN AMRO, ING (including the ing creditcard line), and Rabobank often require an account and can cost more for extended cover. ANWB variants appeal to drivers with tiered protection lengths and first-year offers.
Acceptance is broad because it is a Mastercard card. Apple pay and contactloos work at most stores. FX rates around 2% are common, so annual cost and travel extras become the real differentiators.
The main voordelen are low yearly cost, reliable purchase cover, delivery guarantee, and easy management in the app each maand.
Is the Knab Creditcard the right kaart for your needs?
Is the Knab Creditcard the right kaart for your needs?
For shoppers who want clear protections and low annual kosten, this kaart is a solid choice. It costs €24 per year and includes 180 dagen aankoopverzekering, a delivery guarantee and travel cover for private trips.
Users who pay balances in full each maand will benefit most. The product has a bestedingslimiet of €1,000–€5,000, 2% FX on foreign transactions, and typical ATM or transfer charges, so watch your saldo and cash needs.
Applicants must hold a bank account, meet income and BKR criteria, and can order an extra kaart for a partner for €24 via the issuer’s website. Review the eigen risico and exclusions before applying to be sure the voordelen match your routine.
