My review is driven by the fact that ICS Master Card is clearly not fully liable in case of fraud. Indeed since they introduced the Chip and Pin in their card if someone can hack your PIN, ICS Master Card by default will not refund you. It just happened to me that a Master Card issued by ICS.NL considered legally valid a fraudulent transaction (police reported as crime) and they held me liable for the lost of money. In this circumstance the process does not refund you and it does not require evidence. Other card companies have generally 100% liability policy therefore your transactions are always secure and safe even in case of pickpocket, lost and fraud. On top of this the ICS charge also me with the extra cost of the transection (an extra 4% because the fraud was done via ATM). I felt robbed twice. The support service multiple times treat me without tact and care despite I was abused, I lost money and I was a good customer for circa 10 years. AMEX in the same situation was a very different story. Therefore I will not use ICS and Master Card anymore because indeed they are a liability which I am not willing to pay when using a credit card. Therefore watch out and be aware of the risks, their documentation is not that clear about.