Who is ICS?
International Card Services (ICS) is the Netherlands’ largest credit card issuer with over 2 million cardholders. An ABN AMRO subsidiary with 50+ years experience. ICS processes cards for ING, ABN AMRO, Rabobank, ANWB, Esso and more. When you have an ING or Rabobank credit card, ICS is the technical issuer behind the scenes.
ICS was established in the 1960s and has grown to become the dominant force in Dutch credit card processing. While consumers typically interact with their bank’s brand on their credit card, ICS handles the underlying technology, fraud detection, customer service infrastructure, and card issuance for the majority of credit cards in the Netherlands. This means that whether you apply through ABN AMRO, ING, Rabobank, or ANWB, the quality and security standards are consistently backed by ICS.
ICS Cards
Visa Classic (standard), Visa Gold (premium), Mastercard Business, World Elite Mastercard. ICS also issues bank-branded cards for ING, ABN AMRO, Rabobank, ANWB. ICS Specials: corporate discounts on travel, hotels, and car rental.
Directly at ics.nl you can apply for ICS-branded cards independent of any specific bank. These cards offer the full ICS infrastructure including 365-day purchase protection, fraud protection, and 24/7 customer service. The ICS World Elite Mastercard is the premium tier with Priority Pass lounge access and extended insurance. For businesses, the ICS Business Mastercard supports central billing and expense management across multiple cardholders, making it efficient for companies with multiple employees who need credit cards.
Benefits of ICS
24/7 customer service, AI fraud detection, Zero Liability protection, emergency card replacement, 365-day purchase protection, PCI-DSS certified, 50+ years expertise.
ICS Zero Liability means cardholders are never held responsible for unauthorised transactions as long as they report fraud promptly. The AI-powered fraud detection system monitors transactions in real time and can flag suspicious activity immediately. Emergency card replacement is available worldwide — if your card is lost or stolen while travelling, ICS can arrange a replacement card to reach you typically within a few business days. These security and service features apply to all ICS-issued cards, regardless of whether the card is branded as ING, Rabobank, ANWB, or a direct ICS card.
Apply Direct or Via Bank?
Direct via ics.nl: ICS Visa Classic, Visa Gold, World Elite Mastercard, Business Mastercard. Via bank: see your bank’s credit card page. Both routes require a BKR check.
Applying directly via ICS is useful if you do not bank with ING, ABN AMRO, or Rabobank, or if you want premium cards like the World Elite Mastercard not offered by your bank. Applying through your bank integrates your credit card management directly into your existing banking app and statement. Either way, the underlying ICS security and infrastructure is identical. Check whether your bank offers any exclusive benefits (such as loyalty points or bundled insurance) that may tip the balance in favour of applying through your bank rather than directly.
ICS Cards Compared 2026
ICS Visa Classic
ICS (ABN AMRO) · Visa
ICS World Elite Mastercard
ICS (ABN AMRO) · Mastercard World Elite
ICS Business Mastercard
ICS (ABN AMRO) · Mastercard Business
Frequently Asked Questions about ICS Credit Cards
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