Essential guide to Revolut credit card features

Can a single payment product turn everyday spending into airline miles while giving fast approval and flexible repayment choices?

This short overview helps Dutch users see what the offering covers and who gains most. It highlights a three-month 0% interest window when minimum payments are met and a typical APR near 17.99% variable.

The issuer awards up to 2x RevPoints per €1 spent, redeemable 1:1 for miles with 30+ airlines. Applicants can apply in the app, get near-instant approval, use a virtual option immediately, and may receive limits up to €10,000.

For larger buys over €50, flexible instalments span 3, 6, 9, or 12 months. The credit account sits separate from the payment account, helping with budgeting and clear tracking.

The introduction flags common fees — delivery, late payments, cash advances, and a €30 stamp duty in Ireland — and previews deeper sections on availability in the Netherlands, comparisons to debit and prepaid options, and tactics to maximise rewards.

What this Ultimate Guide covers and who it’s for in the Netherlands

This overview explains the scope of the article and the types of Dutch users it helps. It aims to be a practical, data-rich resource for people weighing a mobile-first banking option.

The guide shows where and how to apply in the app, notes that approval decisions often arrive in minutes, and that successful applicants may get instant access to a virtual card. It clarifies that the credit account sits separate from a normal payment or bank account for cleaner tracking.

Readers who prefer app controls, transparent terms, and integrated repayment tools will find this material most useful. The content covers availability in the Netherlands, costs, repayments, limits, instalment choices, comparisons with debit and prepaid options, and step-by-step setup when the product appears in the app.

Practical tips encourage preparing documents and recent bank account history for assessments. The aim is to support decision-making based on suitability, repayment habits, and travel or everyday rewards, not to simply list technical items.

Availability snapshot for Dutch users at present

Here’s a quick status update on regional availability and what it means for people in the Netherlands.

As of May 2025 the Revolut product is live in the USA, Ireland, Spain, Lithuania and Poland. It is not listed as available in the UK. Applicants in supported markets apply via the app and often get approval within minutes.

When approved, users usually get instant access to a virtual revolut card and may receive credit limits up to €10,000 depending on eligibility and local rules. Actual limits depend on regulatory checks, account history, and the issuer’s assessment.

Dutch users should check their app regularly. If the option does not appear, the service is not yet accessible to their profile. Enable app notifications and consult in-app support if you need help tracking rollout updates.

Core payments and multi-currencies tools already in the bank app can help daily finances before the new product arrives. Launch timelines can change, so keep account details current and review personal goals to act quickly once access becomes available.

Revolut credit card: core features at a glance

Here is a quick look at the core proposition: flexible financing, reward earnings, and instant virtual access.

The headline benefit is three months of 0% interest on purchases, provided minimum payments are met. After that period a representative 17.99% APR (variable) may apply in Ireland. For larger buys above €50, instalments can run 3, 6, 9, or 12 months.

Every purchase earns RevPoints, typically up to 2x per €1 spent and redeemable 1:1 for airline miles. Premium tiers such as Premium, Metal, and Ultra boost rewards and add travel extras like insurance and lounge access.

A virtual card is issued instantly after approval, so online spending can start right away. The app centralises controls and tools: spending limits, autopay setup, balance visibility and instalment management all sit in one place.

The credit account is separate from a payment account to help with budgeting. Typical maximum limits in supported markets can reach up to €10,000, subject to eligibility and affordability checks. Review in-app terms and plan inclusions to ensure the benefits match personal goals.

RevPoints rewards explained for travelers and everyday spending

Earning RevPoints on purchases can speed up travel rewards for both short trips and long-haul flights. Every eligible purchase generates points that convert 1:1 into airline miles with 30+ partners, including Aer Lingus, British Airways, and Qatar Airways.

Rates vary by plan: Plus pays 1.5 points per €10; Premium 1.5 per €4; Metal 1 per €1; Ultra 1.5 per €1. Users must opt in to the RevPoints program and check their plan terms for exact availability.

To maximise value, consolidate larger planned expenses onto the account while staying within budget. Monitor partner airlines and conversion opportunities to book long-haul seats during off-peak windows.

Managing multiple currencies in the app helps when planning trips. Be mindful of exchange fees on cross-currency purchases and compare rates before redeeming miles.

Pair points redemptions with higher-tier travel benefits like lounge access and insurance for a fuller travel experience. Track balances and expiry in-app and pay on time to avoid interest and keep rewards sustainable.

Costs, APR, and fees to consider before applying

Understanding the real cost of borrowing helps Dutch applicants compare offers and protect their credit score.

There is a three-month 0% interest period on purchases and balance transfers if minimum payments are met. Missing a minimum payment can void the promo and trigger interest from day one.

After the introductory window, a representative APR of 17.99% (variable in Ireland) is a useful benchmark for expected borrowing costs. No monthly setup fees apply, but other charges can add up.

Common fees to budget for include a €10 late payment charge, cash advance fees at 2% (minimum €5), and replacement cards from €6 plus delivery costs. Weekend foreign currency conversions incur a 1% fee on card spending.

Fair usage limits and plan-driven caps may affect cash-like withdrawals and overall costs. A separate credit account means users should track statements and due dates closely to protect their profile.

Compare fees and rates across tiers and check partner banks processing rules before applying. To avoid extra costs, limit ATM withdrawals with a credit product and enable Autopay to prevent late fees and keep the 0% benefit intact.

Repayments, instalments, and spending limits

Smart repayment options help keep larger purchases affordable and predictable. Eligible purchases above €50 can be split into 3, 6, 9, or 12-month instalments so monthly obligations stay steady.

Users may also pay the full balance each month to minimise interest. The app lets them choose a tenure, see the total cost, and confirm the instalment plan before acceptance.

Due dates matter. Enabling Autopay protects promotional windows and avoids late fees that can cancel 0% offers. Reviewing the account statement cycle helps time larger payments.

Built-in tools show balances, change spending limits, and send alerts when usage nears a cap. Available limits are personalised and in supported markets can reach up to €10,000 after assessment.

Practical tips: stagger big buys to meet eligibility thresholds, use a simple budgeting framework to decide what to finance, and align repayments with income. Responsible use preserves access to higher limits and protects credit health.

Managing the card in the Revolut app: controls, budgeting, and safety

The app centralises account controls so users can freeze access, set spending limits, and enable two-factor authentication in seconds.

Disposable virtual card numbers regenerate after each use to reduce fraud risk. Real-time transaction alerts and instant freeze/unfreeze tools help catch issues fast.

Built-in budgeting tools show categorized spending, allow goal tracking, and send low-balance alerts. Users can create vaults or envelopes for monthly payments to avoid shortfalls.

Repayments are manageable in-app: schedule Autopay, choose instalment tenures, and link a bank account for smooth top-ups. Align reminders with paydays to reduce missed payments.

If users need help, in-app support and community resources offer troubleshooting and how-to steps in English. For device safety, keep the OS updated, use strong passcodes, and avoid public Wi‑Fi when handling sensitive actions.

Revolut credit card features essential guide: how it compares to debit and prepaid options

Choosing between a borrowing line, a debit account, or a topped-up prepaid option affects travel rewards, budgeting and risk.

Debit approaches spend existing money only. A debit card draws from a bank balance and helps keep day-to-day spending simple and visible.

Prepaid cards suit people who want strict limits. They are topped up with funds, so overspend risk is low. Many plans add budgeting tools, Apple/Google Pay, and fee-free exchange within plan caps.

The alternative borrowing line lets users tap credit for bigger purchases and rewards. It sits in a separate account, offers instalments, and may earn points. However, interest and late fees can add cost after promotional windows end.

Fees and withdrawals differ: cash-like transactions on a borrowing account often bring higher charges, while debit and prepaid withdrawals follow plan limits. Purchase protection and exchange perks on some plans can offset travel costs.

For practical use, reserve borrowing for planned, repayable buys and use debit or prepaid for categories prone to overspending. Test top-up and exchange flows first to match tools to Dutch spending habits and priorities.

How to apply and get started via the app

Applying for the account in the app takes just a few minutes when the service is live in your market. Open the app, go to the Credit tab, choose the credit card option and follow the prompts to enter personal details.

Prepare ID and proof of address to speed verification. Keep the linked account details up to date so checks complete faster and decisions arrive quickly.

In supported countries approval often appears within minutes and a virtual card is issued instantly. A physical card typically arrives by post within 5–10 working days. Personalized limits are set after affordability checks and may reach up to €10,000; applicants can request reviews over time.

Link repayments via bank to simplify monthly payments and reduce missed due dates. Set Autopay immediately after approval to protect introductory offers and credit standing.

Test the virtual card for online buys and add it to mobile wallets for immediate use. Monitor application status and limits in the account dashboard and read terms carefully before first use to understand fees and responsibilities.

Making the most of Revolut’s offers and staying ready for Dutch availability

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Plan ahead and track in-app notifications to claim offers quickly once local access opens for users in the Netherlands.

Map the 0% intro period, RevPoints rewards, and instalment choices against travel and everyday spending goals. Test virtual wallets and tokenization now to speed activation later.

Compare fees, interest and limits across plans, and factor in weekend exchange costs and partner bank rules. Use debit or prepaid options for daily money management and add a borrowing option only when needs are clear.

Set Autopay, enable alerts, and review account activity weekly. That routine helps protect rewards, avoid late charges, and keep utilisation low so users can make the most of revolut offers responsibly.