What if one annual charge could change the value of a travel and shopping tool overnight?
The issuer is International Card Services, operating on the Visa network, and the product includes 180‑day Purchase Protection, a Delivery Guarantee for online orders, and supplemental travel insurance when trips are paid with the card.
From 1 November 2025 the annual cost moves to €37.50 per jaar, and extra cards will follow the same rate. Most euro purchases have no extra cost, and paying the monthly statement in full within 21 days avoids interest.
Cardholders can track spending and limits in real time via Mijn ICS or the ICS App. There is 24/7 fraud monitoring and an emergency blocking line, though the network does not support transactions in Russia.
The guide that follows explains typical charges, how to avoid them, who is likely to qualify, and how cancellations and pro‑rata refunds work, so readers can decide if this creditcard fits their needs.
What the RegioBank Creditcard offers in the Netherlands
This payment option pairs broad Visa acceptance with local servicing and digital tools for daily use.
The regiobank creditcard is issued by ICS on the Visa network, so it works in stores and online worldwide. Online aankopen gain extra protection through Verified by Visa or an e‑Code generated in the ICS app, reducing fraud risk while keeping checkout fast.
Account management is simple. Mijn ICS and the ICS app show recent transactions, available balance, and credit limit in real time. Monthly statements are delivered online for easy budgeting and record keeping.
Protections include 180 dagen purchase cover for many items and an aflevergarantie for eligible undelivered orders. When a trip is paid with the product, supplemental travel insurance applies for delays, assistance, and accidents.
For contactless convenience, the creditcard can be added to Fitbit and Garmin devices. Each device requires a PIN and asks for it again every 24 hours; payments stop when the device is removed, keeping mobile use secure.
RegioBank credit card Netherlands fees benefits eligibility
A clear view of annual and transactional costs makes it easier to compare this product with other payment options.
From 1 November 2025 the annual charge is set at €37.50, and an Extra Card follows the same rate. Most everyday euro purchases do not carry extra surcharges, so routine spending stays affordable.
Paying the monthly statement in full within 21 dagen avoids interest. Cardholders who choose to spread repayments should check the cost of financing before using that option.
Cash withdrawals are costly compared with point‑of‑sale payments. In euros the fee is 1% (max €1.50) when the account has a positive balance, or 4% with a negative balance. Foreign currency withdrawals add 4% plus a 2% FX markup.
A monthly online rekeningoverzicht is available in Mijn ICS and the ICS App; paper statements cost €1 per month. Account holders should monitor statements to avoid missed payments.
To apply, holders need a RegioBank payment account and must pass an ICS affordability check. Typical entry limits start from €1,000 and applicants commonly need at least €1,350 net monthly income.
*You will stay on the same site.
Benefits and protections that matter for your purchases and travel
Strong purchase and travel protections can make everyday spending less risky and more convenient.
Purchases made with this creditcard get purchase protection for 180 dagen. Most eligible aankopen are covered against verlies, diefstal, and accidental damage. That extended window helps with returns and unexpected problems after checkout.
If an online seller does not deliver an order, the aflevergarantie lets a cardholder request a refund of the purchase amount. This is useful for cross‑border shopping and unfamiliar merchants.
Travel paid with the product includes supplemental insurance for assistance, flight delay, baggage delay, and travel accidents. It complements primary travel cover during busy vakantie dagen.
Around‑the‑clock fraud monitoring detects anomalies and prompts outreach. An emergency line allows immediate blocking after loss or diefstal to limit exposure quickly.
Note the card will not function in Russia due to network restrictions, so travellers should arrange alternatives when visiting that region.
Eligibility, limits, and how to apply — take the next step
Applying is quick, digital, and shows limits in the app from day one. ICS issues the regiobank creditcard after an affordability check and sets a typical starting limit from €1,000.
Monthly online rekeningoverzicht appears in Mijn ICS. Pay the statement in full within 21 dagen to avoid interest, or choose installments if needed. From 1 November 2025 the annual fee is €37.50 per jaar; extra cards follow the same rate.
Cancel anytime via Mijn ICS with one‑month notice; annual fees are refunded pro‑rata (for example, €31.25 returned after one maand on a €37.50 fee). For verlies or diefstal, use the 24/7 emergency line to block the card and contact ICS during business hours for help.
