✓ Updated 2026 · Rabobank credit cards compared

Rabobank Gold Credit Card 2026: Review, Benefits & Costs

The Rabobank Gold credit card is one of the most affordable premium credit cards in the Netherlands, with comprehensive travel insurance benefits for just €72 per year. On this page you will find everything: from the exact benefits and costs to how to apply as a Rabobank customer.

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What is the Rabobank Gold credit card?

The Rabobank Gold credit card is a premium Visa credit card, exclusively available to Rabobank customers. With an annual fee of approx. €72, the Gold offers comprehensive travel insurance, purchase protection and a higher credit limit than the standard Rabobank credit card.

A key feature is the included travel insurance: for many cardholders this means they no longer need a separate travel insurance policy for holiday and business trips — a saving that quickly offsets the annual cost. The card is issued as a Visa and supports contactless payments, Apple Pay and Google Pay.

Benefits and insurance of the Rabobank Gold

Travel insurance: Covers medical costs and hospitalisation worldwide, repatriation in emergencies, trip cancellation insurance, baggage cover in case of loss or theft, and delay cover. Both the cardholder and a travelling partner are covered.

Purchase protection: Purchases are covered against theft and damage for 90 days. Warranty extension: the manufacturer’s warranty is automatically extended by 1 year. Compare this with other credit cards with travel insurance.

Rabobank Gold costs and conditions

The Rabobank Gold costs approx. €72 per year (€6 per month). This is cheaper than comparable gold-level cards at ING (approx. €83/year) or ABN AMRO (approx. €144/year). Interest: if you do not pay on time, Rabobank charges approx. 14-16% annual interest — pay off the full balance every month to avoid this.

Requirements: an existing Rabobank current account, income above the statutory minimum wage, a positive BKR registration and a positive credit assessment from Rabobank. The exact income threshold is not publicly disclosed.

How to apply for the Rabobank Gold credit card

Applying for the Rabobank Gold is easy via the Rabobank app or website. The process is exclusive to existing Rabobank customers. Step 1: make sure you have an active Rabobank current account. Step 2: go to “Credit card” in the app and choose “Apply for Rabobank Gold”. Step 3: fill in your income details — Rabobank runs a BKR credit check.

After approval (1-3 business days) the card arrives within 5-10 business days. You can link the card to Apple Pay or Google Pay immediately. Not sure the Gold is the best fit for you? Check our comparison tool for alternatives.

Rabobank Gold Credit Card

Rabobank Gold Credit Card

Best choice for Rabobank customers with travel ambitions

€72/year
Rabobank / ICS · Visa Gold
PROS
✓ Higher credit limit than the standard Rabobank Credit Card
✓ Comprehensive travel insurance (medical, cancellation, baggage)
✓ Better purchase protection: higher maximums and more situations covered
✓ More travel benefits and coverage options
✓ 90-day purchase protection
✓ ICS 24/7 emergency service abroad
CONS
✗ Higher annual cost than the standard Rabobank credit card
✗ Foreign transaction surcharge still applies
✗ BKR check and Rabobank current account required
✗ Fewer travel perks than neobank premium cards

Frequently Asked Questions about the Rabobank Gold Credit Card

How much does the Rabobank Gold credit card cost per year?+
The Rabobank Gold credit card costs approx. €72 per year (€6 per month), including comprehensive travel insurance benefits for the cardholder and accompanying partner. Compared to other gold-level cards this is a very attractive price.
What insurance is included with the Rabobank Gold?+
The Rabobank Gold includes: comprehensive travel insurance (medical worldwide, repatriation, cancellation, baggage, delay), purchase protection up to 90 days after purchase and a 1-year extended warranty. This makes a separate travel insurance policy unnecessary for most trips.
Do I need a Rabobank account for the Gold credit card?+
Yes, the Rabobank Gold credit card is exclusively available to Rabobank customers with a current account. You must first open an account if you are not yet a Rabobank customer. This takes approx. 15 minutes via the Rabobank app.
What is the credit limit of the Rabobank Gold credit card?+
The credit limit is determined individually based on your income, financial situation and credit history. Gold-level cards generally have a higher limit than standard credit cards. Rabobank communicates the exact limit upon approval of your application.
How do you apply for the Rabobank Gold credit card?+
As a Rabobank customer you can apply for the Gold via the Rabobank app or website. The online process takes approx. 10-15 minutes. Rabobank performs a BKR credit check. After approval (1-3 business days) you receive the card within 5-10 business days.
Is the Rabobank Gold a Visa or Mastercard?+
The Rabobank Gold credit card is a Visa credit card. Visa is widely accepted worldwide at millions of shops, restaurants and online retailers. The card supports contactless payment, Apple Pay and Google Pay.
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