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Gold Card Upgrade

Specially for Preferred Banking clients

Free Gold Card upgrade

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  • Shop and travel with peace of mind
  • 365-day purchase protection
  • Lower fees as long as you’re a Preferred Banking client
  • Order by 31 December 2025

Your travel and shopping made even easier

With the ABN AMRO Gold Card, you’ve struck gold. All purchases you make with your Gold Card 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.

Please note that this offer is open to Preferred Banking clients only. You must also be aged 18 or above, be resident in the Netherlands and receive a net monthly income of at least €1,150. The ABN AMRO Student Credit Card cannot be upgraded to a Gold Card. Read all the terms and conditions here. Applications must comply to the ICS acceptance policy. For questions regarding your application, please contact ICS.

What best describes your situation?

I have an ABN AMRO Credit Card, but I don’t yet have a Gold Card

  1. You can apply for a Gold Card online from International Card Services (ICS). Simply log in to your account and go to ‘Personal details and settings’. Click ‘Upgrade Card’ on the left of the screen.
  2. ICS will then verify your request and upgrade your credit card if your application is approved. As this is a new product, your new card will have a new card number.
  3. ICS will send you an email telling you how to set your PIN – you can use the same PIN as your current card if you wish. Once you have set your PIN, you will receive your Gold Card at your home address within 5 working days. 
  4. Your Preferred Banking discount won’t be immediately visible in your application, but it will be automatically applied to the next monthly debits of the card fees from your bank account.

Please note: We are currently experiencing technical issues with the credit card application. You may see an error message. ICS is working on a solution.

Order now
I don’t have an ABN AMRO Credit Card yet

  1. You can apply for a Gold Card by following the standard online procedure. Remember to check your details and make sure they are complete. The last step is to send your application.
  2. International Card Services (ICS) will send you an email telling you how to set your PIN. ICS will verify your application in the meantime, which takes about 10 working days.
  3. Once you have set your PIN and your application has been approved, you will receive your Gold Card at your home address within 5 to 10 working days. 
  4. Your Preferred Banking discount won’t be immediately visible in your application, but it will be automatically applied to the monthly debits of the card fees from your bank account. You will pay the standard ABN AMRO Credit Card fee for your Gold Card (€2.05 a month).
Order now
I already have an ABN AMRO Gold Card

You don’t need to do anything. As soon as you are invited to become a Preferred Banking client, you are eligible for the discount. The credit card fees will be debited monthly, and the discount will be applied automatically (as long as you are a Preferred Banking client).

What best describes your situation?

I have an ABN AMRO Credit Card, but I don’t yet have a Gold Card
I don’t have an ABN AMRO Credit Card yet
I already have an ABN AMRO Gold Card

I have an ABN AMRO Credit Card, but I don’t yet have a Gold Card

  1. You can apply for a Gold Card online from International Card Services (ICS). Simply log in to your account and go to ‘Personal details and settings’. Click ‘Upgrade Card’ on the left of the screen.
  2. ICS will then verify your request and upgrade your credit card if your application is approved. As this is a new product, your new card will have a new card number.
  3. ICS will send you an email telling you how to set your PIN – you can use the same PIN as your current card if you wish. Once you have set your PIN, you will receive your Gold Card at your home address within 5 working days. 
  4. Your Preferred Banking discount won’t be immediately visible in your application, but it will be automatically applied to the next monthly debits of the card fees from your bank account.

Please note: We are currently experiencing technical issues with the credit card application. You may see an error message. ICS is working on a solution.

Order now

I don’t have an ABN AMRO Credit Card yet

  1. You can apply for a Gold Card by following the standard online procedure. Remember to check your details and make sure they are complete. The last step is to send your application.
  2. International Card Services (ICS) will send you an email telling you how to set your PIN. ICS will verify your application in the meantime, which takes about 10 working days.
  3. Once you have set your PIN and your application has been approved, you will receive your Gold Card at your home address within 5 to 10 working days. 
  4. Your Preferred Banking discount won’t be immediately visible in your application, but it will be automatically applied to the monthly debits of the card fees from your bank account. You will pay the standard ABN AMRO Credit Card fee for your Gold Card (€2.05 a month).
Order now

I already have an ABN AMRO Gold Card

You don’t need to do anything. As soon as you are invited to become a Preferred Banking client, you are eligible for the discount. The credit card fees will be debited monthly, and the discount will be applied automatically (as long as you are a Preferred Banking client).

All the benefits of the Gold Card

The Gold Card gives you much broader insurance coverage than a standard credit card. You get the following extra coverage:

  • 365-day insurance for your purchases – instead of the standard 180 days
  • Car legal expenses insurance – support with legal problems when hiring a car
  • Car rental excess insurance up to €500

Frequently asked questions

Who is this offer open to?

To benefit from this offer, you must be a Preferred Banking client and eligible to apply for an ABN AMRO Credit Card. You must also be aged 18 or above, be resident in the Netherlands and receive a net monthly income of at least €1,150.

The ABN AMRO Student Credit Card cannot be upgraded to a Gold Card.

I already have an ABN AMRO Gold Card, what now?

You are still entitled to the discount. As soon as you are invited to become a Preferred Banking client, you are eligible for the discount. The credit card fees will be debited monthly, and the discount will be applied automatically (as long as you are a Preferred Banking client).

I have an ABN AMRO Credit Card and an additional card. Will that additional card be upgraded as well?

Yes. If you apply for the free upgrade of your ABN AMRO Credit Card to a Gold Card, your additional card will also be upgraded and will also be eligible for the discount for Preferred Banking clients. You will pay a monthly fee of €1 for the additional card.

Can I upgrade a Visa Card?

As the discount applies only to the ABN AMRO Gold Card, you’ll first need to cancel your Visa Card before applying for an ABN AMRO Gold Card. You will receive the discount if you meet the criteria under ‘Who is this offer open to?’

What happens if I stop being a Preferred Banking client?

You won’t be entitled to the discount if you’re no longer a Preferred Banking client. You’ll be given the option to keep the Gold Card and pay the standard fee or downgrade to the standard Credit Card.

What is the spending limit on a Gold Card?

If you already have an ABN AMRO Credit Card, your current spending limit will also apply to your upgraded Gold Card.

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 through Creditcard Online.

If you don’t have an ABN AMRO Gold Card yet, ICS will assign you a spending limit based on the financial information you disclose. The maximum Gold Card spending limit is €5,000 per month.

How does the Gold Card’s 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. 

Need to submit a claim? 

  1. Please call  ABN AMRO Creditcard Services  to submit a claim. They will check whether or not your loss or damage is covered.
  2. If your loss or damage is covered, you will receive a claim form.
  3. Please send the claim form to ABN AMRO Verzekeringen. They will process your claim 
  4. and let you know within 2 weeks whether your claim has been accepted and, if so, the amount of the payout.

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

How does the discount and invoicing process work?

The discount of €2.20 per month is the difference between the fees for the ABN AMRO Gold Card and the fees for the ABN AMRO Credit Card. You will continue to pay the standard fee of €2.05 per month instead of €4.25, as long as you’re a Preferred Banking client.

As you’re a Preferred Banking client, you will automatically benefit from the discount when you apply for a Gold Card. We will automatically apply the discount to the subsequent debits of your monthly card fees.

How can I cancel my Gold Card?

If you no longer need your Gold Card, you’re free to cancel it. The notice period for cancelling the Gold Card is 1 month. While we’re sorry to hear that you want to cancel your card, we’re 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. Tell us why you want to cancel your Gold Card and confirm your request.
  5. You will receive a letter confirming your cancellation and settings stating until what date you can still use your Gold Card.
When does this offer expire?

The offer for the Gold Card upgrade is valid until 31 December 2025. If you choose to take advantage of the offer, it will remain valid for as long as you are a Preferred Banking client.

Will I get a new credit card number if I apply for a Gold Card upgrade?

If you apply for a Gold Card, you will also receive a new credit card number. That means you may have to inform payees of your new credit card details.

Tip: your last credit card statements will show you a list of purchases and the names of payees you may need to inform about your new credit card number.
These could be:
  • payments that are linked to a payment account such as PayPal or Apple Pay
  • delivery services such as UberEats and Just Eat
  • websites and apps like Uber, Booking.com and Airbnb
  • subscriptions like Netflix, HBO and Spotify

Frequently asked questions

Who is this offer open to?
I already have an ABN AMRO Gold Card, what now?
I have an ABN AMRO Credit Card and an additional card. Will that additional card be upgraded as well?
Can I upgrade a Visa Card?
What happens if I stop being a Preferred Banking client?
What is the spending limit on a Gold Card?
How does the Gold Card’s purchase protection work?
How does the discount and invoicing process work?
How can I cancel my Gold Card?
When does this offer expire?
Will I get a new credit card number if I apply for a Gold Card upgrade?

Who is this offer open to?

To benefit from this offer, you must be a Preferred Banking client and eligible to apply for an ABN AMRO Credit Card. You must also be aged 18 or above, be resident in the Netherlands and receive a net monthly income of at least €1,150.

The ABN AMRO Student Credit Card cannot be upgraded to a Gold Card.

I already have an ABN AMRO Gold Card, what now?

You are still entitled to the discount. As soon as you are invited to become a Preferred Banking client, you are eligible for the discount. The credit card fees will be debited monthly, and the discount will be applied automatically (as long as you are a Preferred Banking client).

I have an ABN AMRO Credit Card and an additional card. Will that additional card be upgraded as well?

Yes. If you apply for the free upgrade of your ABN AMRO Credit Card to a Gold Card, your additional card will also be upgraded and will also be eligible for the discount for Preferred Banking clients. You will pay a monthly fee of €1 for the additional card.

Can I upgrade a Visa Card?

As the discount applies only to the ABN AMRO Gold Card, you’ll first need to cancel your Visa Card before applying for an ABN AMRO Gold Card. You will receive the discount if you meet the criteria under ‘Who is this offer open to?’

What happens if I stop being a Preferred Banking client?

You won’t be entitled to the discount if you’re no longer a Preferred Banking client. You’ll be given the option to keep the Gold Card and pay the standard fee or downgrade to the standard Credit Card.

What is the spending limit on a Gold Card?

If you already have an ABN AMRO Credit Card, your current spending limit will also apply to your upgraded Gold Card.

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 through Creditcard Online.

If you don’t have an ABN AMRO Gold Card yet, ICS will assign you a spending limit based on the financial information you disclose. The maximum Gold Card spending limit is €5,000 per month.

How does the Gold Card’s 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. 

Need to submit a claim? 

  1. Please call  ABN AMRO Creditcard Services  to submit a claim. They will check whether or not your loss or damage is covered.
  2. If your loss or damage is covered, you will receive a claim form.
  3. Please send the claim form to ABN AMRO Verzekeringen. They will process your claim 
  4. and let you know within 2 weeks whether your claim has been accepted and, if so, the amount of the payout.

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

How does the discount and invoicing process work?

The discount of €2.20 per month is the difference between the fees for the ABN AMRO Gold Card and the fees for the ABN AMRO Credit Card. You will continue to pay the standard fee of €2.05 per month instead of €4.25, as long as you’re a Preferred Banking client.

As you’re a Preferred Banking client, you will automatically benefit from the discount when you apply for a Gold Card. We will automatically apply the discount to the subsequent debits of your monthly card fees.

How can I cancel my Gold Card?

If you no longer need your Gold Card, you’re free to cancel it. The notice period for cancelling the Gold Card is 1 month. While we’re sorry to hear that you want to cancel your card, we’re 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. Tell us why you want to cancel your Gold Card and confirm your request.
  5. You will receive a letter confirming your cancellation and settings stating until what date you can still use your Gold Card.

When does this offer expire?

The offer for the Gold Card upgrade is valid until 31 December 2025. If you choose to take advantage of the offer, it will remain valid for as long as you are a Preferred Banking client.

Will I get a new credit card number if I apply for a Gold Card upgrade?

If you apply for a Gold Card, you will also receive a new credit card number. That means you may have to inform payees of your new credit card details.

Tip: your last credit card statements will show you a list of purchases and the names of payees you may need to inform about your new credit card number.
These could be:
  • payments that are linked to a payment account such as PayPal or Apple Pay
  • delivery services such as UberEats and Just Eat
  • websites and apps like Uber, Booking.com and Airbnb
  • subscriptions like Netflix, HBO and Spotify