Who is Rabobank?
Rabobank is a Dutch cooperative bank founded in 1898 as a network of local agricultural cooperatives. With approximately 9 million members and customers in the Netherlands, it is the second-largest bank in the country. What makes Rabobank unique is its cooperative structure — members have a say in bank decisions and share in the bank’s success.
Rabobank offers credit cards through ICS (International Card Services), a subsidiary of ABN AMRO and the largest credit card issuer in the Netherlands. All Rabobank credit cards are issued on the Mastercard network, providing global acceptance at over 100 million locations worldwide.
Rabobank Credit Card Options
Rabobank offers two main credit cards: the Rabobank Creditcard (standard, €36/year) and the Rabobank Gold Creditcard (premium, €52/year). Both cards include 365-day purchase protection through ICS — one of the most comprehensive purchase insurance packages in the Dutch banking sector.
As a Rabobank customer, you can manage your credit card directly through the Rabobank app. The Gold card adds broader insurance coverage and higher limits. Both cards require an existing Rabobank current account, making them exclusively available to existing Rabobank customers.
Costs and Requirements
The standard Rabobank Creditcard costs €36 per year (€3/month). The Gold Creditcard costs €52 per year (€4.33/month). Both require an existing Rabobank current account, a BKR credit check, and a minimum net income. Interest rates average 14% annually — this only applies if you don’t pay the full balance monthly.
Rabobank recommends paying the balance in full each month to avoid interest charges entirely. When you pay in full, the credit card essentially functions as a free payment instrument with built-in insurance. The 365-day purchase protection alone can provide significant value for regular shoppers.
Who Should Get a Rabobank Credit Card?
The Rabobank Credit Card is ideal for existing Rabobank customers who want a trusted, well-insured credit card from their own bank. The 365-day purchase protection is a standout feature that many customers find extremely valuable for expensive purchases like electronics, appliances, and clothing.
It’s particularly suitable for frequent shoppers who want purchase security, Rabobank customers who prefer keeping everything within one bank, and travelers who need basic travel insurance coverage. Less suitable for: those without a Rabobank account, those seeking BKR-free options, or those looking for foreign currency savings (neobanks offer significantly better rates abroad).
Rabobank Cards Compared 2026
Rabobank Creditcard
Rabobank / ICS · Mastercard
Rabobank Gold Creditcard
Rabobank / ICS · Mastercard Gold
Frequently Asked Questions about the Rabobank Credit Card
Do I need to be a Rabobank customer?+
What is the 365-day purchase protection?+
What’s the difference between the Standard and Gold card?+
Is there a BKR credit check?+
What interest rate does Rabobank charge?+
Can I use it abroad?+
How do I apply for a Rabobank credit card?+
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