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Open an ASN Bank Current Account (Required)
Visit the Credit Card Section on the Official Website
Log in to the ASN Bank website and navigate to “Payments > ASN Credit Card” (“Betalen > ASN Creditcard”), or search for “ASN Creditcard aanvragen.”
There, you will find the “Apply Now” (“Vraag nu aan”) button.
Submit Your Application
Click the application button and you will automatically be redirected to the secure website of ICS (International Card Services), ASN Bank’s credit card partner.
Select “ASN Creditcard” or the student version if you have an ASN Studentenrekening.
Complete the Application Form
Provide your personal information, ASN account number, estimated income, address, and other financial details.
Choose your preferred credit limit, typically between €1,000 and €5,000, depending on the outcome of the credit assessment.
Upload Documents and Complete Verification
Submit a photo of your identity document and, if requested, proof of income or proof of residence.
The system performs an automatic credit assessment, including a review through the Dutch credit bureau (BKR).
Wait for Approval
Approval is typically issued within 1 to 5 business days.
You will receive an email and notification with the decision. If approved, your physical card usually arrives by mail within 7 to 14 days.
Activate the Card and Set Up the App
Once you receive the card, activate it through the ASN Bank app or the ICS website.
You can immediately add it to Apple Pay or Google Pay and begin using it.
After activation, the card is linked to your ASN Bank account, and your monthly payment is automatically collected from your current account.
What Is the ASN Bank Credit Card and Why Is It Useful in the Netherlands?
The ASN Creditcard is a Visa credit card issued by ICS in partnership with ASN Bank.
You make purchases now and pay later, with up to 21 interest-free days in most situations. Unlike a debit card, purchases are added to a monthly statement rather than being deducted immediately from your account.
It is particularly useful in the Netherlands for:
- Online shopping
- International travel
- Hotel reservations
- Car rentals
- Large purchases
- Merchants that require a credit card security deposit
While debit cards and mobile payments dominate everyday spending in the Netherlands, a credit card remains an important complement for travel, international purchases, and additional consumer protection.
What Improves Your Chances of Approval?
Approval is determined through a credit assessment conducted by ICS, but several factors can significantly increase your chances:
- Having an active ASN Bank account with regular activity
- Being at least 18 years old
- Having a permanent residence in the Netherlands or another EU country
- Demonstrating stable net income, generally above €1,350–€1,500 per month
- Maintaining a positive BKR credit history with no major debts or recent payment issues
- Providing clear, accurate, and consistent documentation
- Avoiding multiple recent credit applications
Practical Tip
If you are a student, consider applying for the ASN Creditcard voor Studenten. The annual fee is lower (€27.50 instead of €37.50).
Using your ASN Bank account responsibly before applying can also strengthen your application.
If your initial application is denied, ASN Bank and ICS generally explain the reason, allowing you to improve your profile and apply again later.
How the Card Works in Everyday Life
Once approved, the card is straightforward to use.
Annual Fee
- Standard card: €37.50 per year
- Student card: €27.50 per year
Credit Limit
Credit limits can be as high as €5,000, depending on your income and credit profile.
Payments
A monthly statement is issued every month.
You may:
- Pay the full balance
- Carry a balance and pay interest on the remaining amount
Most purchases benefit from up to 21 interest-free days.
Acceptance
The card can be used anywhere Visa is accepted:
- Dutch retailers
- Supermarkets
- Transportation services
- International websites
- Travel bookings
It is especially useful when traveling outside Europe.
Mobile App Management
Manage everything through the ASN Bank app or the ICS app:
- Track spending in real time
- Lock or unlock your card
- Set alerts and notifications
- View available credit
- Make payments
Additional Benefits
- Purchase protection for up to 180 days
- Coverage against theft, damage, or non-delivery
- 24/7 fraud protection
- Option to request an additional card
Cash Withdrawals
ATM withdrawals are allowed but generally expensive, typically costing around 4% plus €2.50 or more per transaction.
Foreign Currency Transactions
Purchases made in foreign currencies are subject to a 2% currency conversion fee.
You receive instant transaction notifications and can manage everything directly from your smartphone.
Practical Tips for Using the ASN Bank Credit Card in the Netherlands
Set Up Automatic Payments
Link the card to your ASN account for automatic direct debit payments and avoid missed due dates.
Use Credit Responsibly
Pay on time consistently to improve your BKR profile and potentially qualify for future credit limit increases.
Travel and Reservations
The card is ideal for hotel bookings and rental cars that require a security deposit. The deposit amount is temporarily reserved rather than permanently charged.
Online Shopping
Enable strong authentication (3D Secure) and approve purchases through the app for maximum protection.
Avoid Cash Withdrawals
ATM withdrawal fees are relatively high. For cash needs, use your ASN debit card instead.
Integrate with Other ASN Services
Existing ASN customers benefit from a fully integrated banking experience through a single app.
For Students and Expats
If you have an ASN Studentenrekening, you may qualify for lower fees and a more accessible application process.
Many residents of the Netherlands choose this card specifically because of its security features and purchase protection, especially those who travel frequently or shop online regularly.
Frequently Asked Questions
Do I need an ASN Bank account first?
Yes. An active ASN Bank account is required.
How long does it take to receive the physical card?
Usually between 7 and 14 days after approval.
Is there an annual fee?
Yes.
- Standard card: €37.50 per year
- Student card: €27.50 per year
Is approval easy for people with limited credit history?
It depends on the credit assessment, but having an active ASN account and stable income can significantly improve your chances.
Can I get an additional card?
Yes. Additional cards are available for family members and are subject to the same annual fee.
What if my application is denied?
You will typically receive an explanation and can apply again after improving your financial profile.
Does it work with Apple Pay and Google Pay?
Yes, once the card has been activated.
Is my money protected?
Funds held in your ASN Bank account are protected under the Dutch deposit guarantee scheme, and the credit card includes additional security measures provided by ICS.
Conclusion: Is This Guide Worth Following?
Absolutely.
The ASN Bank Credit Card is a solid and reliable option for existing ASN Bank customers who want a straightforward credit card with strong protections and complete mobile management.
By following the steps outlined above, you can complete the entire process from home and potentially receive your card within a few weeks.
It is especially well-suited for residents of the Netherlands, students, professionals, and expats who want greater flexibility in their daily finances. ASN Bank is widely recognized for its commitment to sustainability and responsible banking practices, making it an attractive choice for many consumers.
Download the ASN Bank app, open an account if you do not already have one, and follow the application process. Before long, you could have your card ready to use with confidence, convenience, and security.
This guide is comprehensive, up to date, and designed to help you take action today. If you encounter any questions during the application process, ASN Bank’s support team is generally available through the app or by phone to assist you. Good luck with your application.
