Review Dutch Credit Card: Mastercard

By |Published On: 9 januari 2024|Last Updated: 29 februari 2024|4,7 min read|

Mastercard in the Netherlands: A Complete Review

Rating: ★★★★☆

Mastercard credit cards have established themselves as a reliable and widely accepted financial tool in the Netherlands, offering a range of benefits and features that cater to diverse consumer needs. While there are some areas for improvement, overall, Mastercard has proven to be a trustworthy partner for those seeking convenience and flexibility in their financial transactions.

Also read our Visa & American Express review


  1. Domestic Acceptance: One of the standout features of Mastercard is its widespread acceptance both within the Netherlands and internationally. Whether you’re shopping online, dining out, or traveling abroad, you can count on your Mastercard being accepted at a vast number of establishments. You may also use it in the Ideal terminal.
  2. Security Features: Mastercard places a strong emphasis on security, incorporating advanced technologies such as EMV chips and two-factor authentication. This adds an extra layer of protection to transactions, giving cardholders peace of mind when using their Mastercard for both online and in-person purchases. Also the provided app from ICS is very comprehensive and can use FaceID to login.
  3. Contactless Payments: Mastercard credit cards in the Netherlands often come equipped with contactless payment capabilities, offering a quick and convenient way to make small transactions without the need for physical contact with the card reader. It’s also possible to use Apple Pay since beginning of 2024.
  4. Reward Programs: Many Mastercard credit cards in the Netherlands offer enticing reward programs, providing cardholders with travel perks, or other incentives based on their spending habits. This feature adds an extra layer of value to the overall credit card experience. The Mastercard Black offers the most services in the Netherlands.


  1. Annual Fees: Some Mastercard credit cards may come with annual fees, which can be a drawback for cost-conscious consumers. However, it’s worth noting that these fees are often associated with premium cards that offer enhanced benefits and rewards.
  2. Interest Rates: While interest rates can vary, some Mastercard credit cards may have relatively higher APRs compared to other options in the market. It’s essential for users to be mindful of this, especially if they carry a balance on their cards.
  3. Limited Local Promotions: While Mastercard is globally recognized, some users might find that local promotions and discounts available with other card providers in the Netherlands are not as prominent with Mastercard. This may be a consideration for those who prioritize local perks.

Is your Mastercard Credit Card accepted in the Netherlands?

Long answer short; Yes, Mastercard is accepted in the Netherlands. If you’re wondering whether your Mastercard credit card is accepted in the Netherlands, you can rest assured that Mastercard enjoys extensive recognition and usability throughout the country. Whether you’re strolling through the charming streets of Amsterdam, enjoying local cuisine, or shopping in vibrant markets, your Mastercard is likely to be accepted at a wide range of establishments.

What is the difference between Mastercard and Maestro in the Netherlands?

Maestro is a debit card service that is often associated with Mastercard. In the Netherlands, Maestro cards are prevalent for day-to-day transactions. Unlike Mastercard, Maestro cards are typically PIN-based and directly linked to the user’s bank account. Users need to enter their Personal Identification Number (PIN) for each transaction, enhancing security. Maestro is widely accepted for both in-store and online purchases, and it also allows users to withdraw cash from ATMs.

Key Differences: The primary distinction lies in their functionality and the type of transactions they support. Mastercard encompasses a broader range of products, including credit cards with a credit line and associated perks, while Maestro is dedicated to debit transactions directly linked to the user’s bank account. Maestro’s PIN-based security is a notable feature, providing an additional layer of protection for users in everyday transactions.

Which of the Mastercard Credit Cards are available in the Netherlands?


Mastercard credit cards in the Netherlands provide a comprehensive and reliable solution for your financial needs. With global acceptance, robust security features, and enticing rewards, a Mastercard is not just a card; it’s a key to unlocking a seamless and rewarding financial experience in the heart of Europe. Choose Mastercard and embark on a journey where your spending works for you.

Read more about Credit Cards in the Netherlands. Understand also the rules of engagement.

Author: Roger Kentie

Roger is a Dutch citizen with experience living and working as an expat in multiple countries. Roger has a deep understanding of the complex Dutch financial landscape and is able to provide insights to help other expats make informed financial decisions.

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