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ABN AMRO Gold Card

Your purchases insured for 365 days

ABN AMRO Gold Card

Apply for my Gold Card now
Please note that we are currently busier than usual. The processing time of your application may take several weeks.
Apply for my Gold Card now
Please note that we are currently busier than usual. The processing time of your application may take several weeks.
per month
€ 4,25
  • Additional insurance
  • Secure payments anywhere in the world
  • Purchases are covered for 365 days against theft, loss and damage

Why apply for a Gold Card

With your Gold Card you’ve struck gold. This card is indispensable when travelling or shopping. All purchases you make with your Gold Card are insured against theft, loss and damage for 365 days. That gives you real peace of mind. See all the benefits for yourself.

As of 1 January 2025 we change the fees and conditions of our payment products. Read more about these changes.

Read the Gold Card terms and conditions
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Your purchases insured for 365 days

With a Gold Card, all your purchases are insured against theft, loss and damage for 365 days, both online and in the shops. You also receive a delivery guarantee for all the purchases you make with your Gold Card. That’s a nice extra!

What protection does my Gold Card give me?

You are insured for things such as:

  • Delayed flights
  • Delayed luggage
  • Theft, loss or damage to your purchases
  • Delivery
  • Car legal expenses
  • Car rental excess
Summary conditions
Full terms and conditions

You are not insured for things such as:

  • Trip cancellation
  • Stolen luggage
  • Travel and accommodation not booked using your Gold Card
  • Damage or loss caused deliberately or through carelessness
Summary conditions
Full terms and conditions

Who can apply for a Gold Card?

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18 or older

You must be 18 or older to apply for a Gold Card.

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Living in the Netherlands

You need to be living in the Netherlands to apply for a Gold Card.
Money

Monthly income

Your net monthly income is at least €1,150 or a minimum freely taxable capital in box 3 of € 20,000 is required. This means that you will not qualify for a credit card if you are on unemployment benefits.

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Difference between Gold Card and Credit Card

Your Gold Card is an attractive, gold-coloured card, a real eye-catcher. It’s not just a pretty item though. This card gives more extensive protection than our regular credit card, like: 

  • Purchases insured for 365 days instead of 180 days 
  • Car legal expenses insurance, for when you encounter legal problems when hiring a car 
  • Car rental excess cover up to €500

Apply easily online

Laptop
Credit card
Bag with money

Select the Gold Card and start the application process online. Next, check your details. Please  add any information that is missing . Make sure all your details are correct before you submit your application. 

International Card Services (ICS) will send you an email that explains how to choose your PIN. ICS will check your application in the meantime. This will take around 10 working days.

Once you have chosen a PIN and your application has been approved, your Gold Card will be sent to your home address within 5 to 10 working days.

Laptop

Select the Gold Card and start the application process online. Next, check your details. Please  add any information that is missing . Make sure all your details are correct before you submit your application. 

Credit card

International Card Services (ICS) will send you an email that explains how to choose your PIN. ICS will check your application in the meantime. This will take around 10 working days.

Bag with money

Once you have chosen a PIN and your application has been approved, your Gold Card will be sent to your home address within 5 to 10 working days.

Everything the Gold Card covers at a glance

Purchase protection
All purchases you make with your Gold Card are insured against theft, loss and damage for 365 days, whether you made the purchase online or in the shop.
Delivery guarantee
Your money is refunded if your order is not delivered or is sent to the wrong address.
Flight delay insurance
If your flight is delayed for 4 hours or more, your additional costs of up to €140 per person will be reimbursed. For charter flights, this applies to delays of 8 hours or more.
Luggage delay insurance
You will be reimbursed €140 if your luggage does not arrive within 4 hours of your arrival. If your luggage is not found within 48 hours, you will receive an additional payment of up to €410.
Car rental excess insurance
The excess for your rental car is insured up to €500 if you book it using your Gold Card.
Car legal expenses insurance
With your Gold Card, you are given legal assistance if you have problems relating to a car rental.

Everything the Gold Card covers at a glance

Purchase protection
Delivery guarantee
Flight delay insurance
Luggage delay insurance
Car rental excess insurance
Car legal expenses insurance

Purchase protection

All purchases you make with your Gold Card are insured against theft, loss and damage for 365 days, whether you made the purchase online or in the shop.

Delivery guarantee

Your money is refunded if your order is not delivered or is sent to the wrong address.

Flight delay insurance

If your flight is delayed for 4 hours or more, your additional costs of up to €140 per person will be reimbursed. For charter flights, this applies to delays of 8 hours or more.

Luggage delay insurance

You will be reimbursed €140 if your luggage does not arrive within 4 hours of your arrival. If your luggage is not found within 48 hours, you will receive an additional payment of up to €410.

Car rental excess insurance

The excess for your rental car is insured up to €500 if you book it using your Gold Card.

Car legal expenses insurance

With your Gold Card, you are given legal assistance if you have problems relating to a car rental.

Gold Card FAQ

When you make a purchase with the Gold Card, how does the purchase protection work?

All purchases you make with your Gold Card are insured against theft, loss and damage for 365 days, whether you made the purchase online or in a shop. 

If you have a reason to submit a claim: 

  1. First call ABN AMRO Creditcard Services . We will check whether or not your loss or damage is covered 
  2. If your loss or damage is covered, we will send you a claim form
  3. Send the claim form to ABN AMRO Verzekeringen and they will process your claim
  4. You will hear back within 2 weeks whether your claim has been accepted and, if so, the amount of the reimbursement

Your excess is €50, meaning that if the insurer pays out you will still need to cover the first €50 yourself.

What is the spending limit on my Gold Card?

The standard Gold Card limit is €5,000 per month. If you need to raise your spending limit for a short period, you can simply transfer money to your Gold Card account. However, you may want to raise your limit permanently, in which case you can arrange this via Credit Card Online.

How do I apply for an ABN AMRO Gold Card?

Applying for a Gold card online is a breeze. It works like this:

  1. Fill in the application form  
  2. International Card Services (ICS) will check your details and will contact you if they have any questions 
  3. Select your PIN 
  4. Your Gold Card will arrive at your home address in 5 to 10 working days
How can I cancel my Gold Card?

If you no longer need your Gold Card, you are free to cancel it. The period of notice for cancelling the Gold Card is 1 month. While we are sorry to hear that you want to cancel your card, we are happy to help you make the necessary arrangements

  1. Log in to Creditcard Online
  2. Go to ‘personal details and settings’
  3. In the menu, select ‘cancel card(s)’
  4. State why you want to cancel your Gold Card and confirm your request
  5. You will receive a letter confirming your cancellation and stating until what date you can still use your Gold Card
What are the fees for a (second) Gold Card?

An ABN AMRO Gold Card costs  €4.25  per month. You can also request an additional Gold Card for your partner or adult child. The fee for this is €2 per month.

  • The extra Gold Card will be in the name of the additional cardholder. This is useful when hiring a car since car rental companies insist that the card used is in the name of the person booking the car.
  • The spending limit applies to both cards combined
  • You can view the purchases on both cards

You can request an additional Gold Card via Creditcard Online.

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