Last updated: August 2, 2026 · Credit cards compared: 15 · Data source: issuer product pages, recorded in the Buzdy database · cited pages where we hold them
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for a credit card in Belgium in 2026? These are all 15 credit cards in Belgium that Buzdy currently holds verified data for. Every figure below is printed from the record Buzdy holds for that product, taken from the issuer's own published material — where a bank does not publish a number, this guide says Not published rather than guessing. We link the exact issuer page under Sources for every product where we have recorded it; for the rest we hold the figure but not the page, and say so.
How this list is ordered. Ranked on the data we actually hold: cards with no annual fee first, then by how many benefits we can verify from the issuer's own product page, then by the lowest published interest rate, then by the lowest published minimum income. We then rotate one card per bank so a single issuer cannot fill the list.
This is not a complete list of every credit card sold in Belgium. It is the set Buzdy has verified data for, from 3 issuers, as of August 2, 2026.
Quick Comparison: 15 Credit Cards in Belgium
Side by side, in the order explained above. Tap any name for the full product page.
| Credit card | Bank | Annual fee | Interest rate | Verified benefits | Details |
|---|---|---|---|---|---|
| 1. Elite Travel Mastercard | Beobank | Not published | 17.04% per month | Supplementary cards | View → |
| 2. Visa Classic | Keytrade Bank | Not published | 17.04% per month | Supplementary cards | View → |
| 3. Visa Classic Credit Card | Crelan | Not published | 17.04% per month | Supplementary cards | View → |
| 4. Extra Mastercard | Beobank | Not published | 17.04% per month | Supplementary cards | View → |
| 5. Visa Gold | Keytrade Bank | Not published | 17.04% per month | Supplementary cards | View → |
| 6. Visa Gold Credit Card | Crelan | Not published | 17.04% per month | Supplementary cards | View → |
| 7. Flying Blue World Mastercard | Beobank | Not published | 17.04% per month | Supplementary cards | View → |
| 8. Visa Platinum | Keytrade Bank | Not published | 17.04% per month | Supplementary cards | View → |
| 9. Mastercard Classic | Beobank | Not published | 17.04% per month | Supplementary cards | View → |
| 10. Neckermann World Mastercard | Beobank | Not published | 17.04% per month | Supplementary cards | View → |
| 11. Premium Flying Blue World Card | Beobank | Not published | 17.04% per month | Supplementary cards | View → |
| 12. Q8 World Mastercard | Beobank | Not published | 17.04% per month | Supplementary cards | View → |
| 13. Visa Extra | Beobank | Not published | 17.04% per month | Supplementary cards | View → |
| 14. Visa Gold | Beobank | Not published | 17.04% per month | Supplementary cards | View → |
| 15. Young Mastercard | Beobank | Not published | 17.04% per month | Supplementary cards | View → |
The 15 Credit Cards in Detail
1. Elite Travel Mastercard
Bank: Beobank
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Supplementary cards
World Elite is the most prestigious status within the Mastercard network. And the Beobank Elite Travel Mastercard achieved World Elite status. With this new premium status comes a lot of privileges and first-class services.
2. Visa Classic
Bank: Keytrade Bank
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Supplementary cards
With visa classic you can withdraw cash from ATMs worldwide and from ATMs in the eurozone even free of charge. Also your purchases are safe thanks to the Safe Online insurance and Purchase insurance.
3. Visa Classic Credit Card
Bank: Crelan
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Supplementary cards
Crelan's Visa card is the ideal payment method for all your online purchases. You automatically benefit from various benefits such as an extended warranty and protection against theft or non-delivery of all purchases you pay for with your Visa Classic.
4. Extra Mastercard
Bank: Beobank
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Supplementary cards
Beobank Online and Beobank Mobile allow you to manage your credit card account day and night. The innovative chip on your card allows you to pay for small expenses quickly, easily, and contactless. You can also opt for the Credit Protection Plan insurance.
5. Visa Gold
Bank: Keytrade Bank
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Supplementary cards
VISA Gold card is free of charge. The accident and cancellation insurance, as well as the accompanying assistance, make it an ideal travel companion. With the VISA Gold card, you can withdraw cash from ATMs worldwide and from ATMs in the eurozone free of charge.
6. Visa Gold Credit Card
Bank: Crelan
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Supplementary cards
The Visa Gold card is the ideal payment method for those who love to travel. With it, you benefit from all the guarantees of the Visa Classic card, but also many additional benefits. For example, cancellation insurance and assistance for all trips paid for with your Gold Visa.
7. Flying Blue World Mastercard
Bank: Beobank
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Supplementary cards
With the Beobank Flying Blue World Mastercard, you can pay in no less than 22 million shops and withdraw money from 1 million ATMs. Withdraw up to €1,000 per 24 hours from ATMs in Belgium and up to €1,100 per 24 hours abroad.
8. Visa Platinum
Bank: Keytrade Bank
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Supplementary cards
VISA Platinum card is free of charge. VISA Platinum card allows you to determine your card's settings yourself, such as online payment, contactless payment or payment without a PIN, or cash withdrawal in another country. As a result, you are always in control of your card.
9. Mastercard Classic
Bank: Beobank
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Supplementary cards
With the Beobank Mastercard Classic, you can pay in no less than 22 million shops and withdraw money from 1 million ATMs. Withdraw up to €1,000 per 24 hours from ATMs in Belgium and abroad.
10. Neckermann World Mastercard
Bank: Beobank
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Supplementary cards
Beobank Neckermann World Mastercard earns points on every purchase, 1 point per EUR at Neckermann and 1 per 2 EUR elsewhere, redeemable for holiday discounts up to 250 EUR/year. Includes purchase insurance, extended warranty, airport Fast Track, and only 5 EUR annual fee.
11. Premium Flying Blue World Card
Bank: Beobank
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Supplementary cards
Premium Flying Blue World Mastercard__ For every euro you spend with your card, you will receive 1.25 Miles. With the Beobank Premium Flying Blue World Mastercard, you can pay in no less than 22 million shops and withdraw money from 1 million ATMs.
12. Q8 World Mastercard
Bank: Beobank
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Supplementary cards
You get a 4% discount on your refuelling at Q8 in Belgium for the first 3 months, then 2%. You will also receive a 2% discount on your transactions in the Q8 refuelling shops and a 0.5% discount on all your other purchases in Belgium and abroad.
13. Visa Extra
Bank: Beobank
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Supplementary cards
With Visa Extra, you have a credit facility of, (for example), 3,000 euros that you use and replenish at your own pace. The innovative chip on your card allows you to pay for small expenses quickly, easily, and contactlessly.
14. Visa Gold
Bank: Beobank
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Supplementary cards
The Visa Gold card is accepted in almost all countries and businesses. Withdraw up to €1,000 per 24 hours from ATMs in Belgium and abroad. You don't need to open an account with Beobank to enjoy the Visa Gold card. But of course you can.
15. Young Mastercard
Bank: Beobank
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Supplementary cards
You can apply for a Beobank Young Mastercard credit card if you are 18 years or older, study at a Belgian college or university and hold a current account with a Belgian bank (on presentation of your student card for the current academic year). Accepted all over the world.
7 Smart Tips Before You Apply
What banks won't put in their marketing — but every smart applicant should know.
- Compare APR, not just headline rates. The advertised "low interest" is usually a promo. The real cost is the Annual Percentage Rate (APR) after fees, balance transfer charges, and FX markups. A 1.5% monthly rate is actually ~19.6% APR.
- Read the small print on rewards. Banks advertise "5% cashback" but cap it at $20/month. After the cap, you earn 0.5%. Always check the monthly cap, eligible merchants, and minimum spend requirements.
- Know your credit profile before applying. Each rejected application damages your credit score. Use the bank's pre-qualification check (soft pull) before submitting a formal application (hard pull).
- Avoid cash advances at all costs. Cash advance APR is usually 5-10% higher than purchase APR, with no grace period and an upfront fee of 2-5% of the amount. Use only in emergencies.
- Set up direct debit for the full balance. Paying only the minimum (often 5% of balance) means interest accrues on the rest. A balance of $1,000 paid at minimum costs ~$1,400 in interest over 5 years.
- Use foreign-fee-free cards abroad. Standard cards charge 2-3% on every foreign transaction plus FX markup. Travel cards charge 0%. On a $3,000 holiday, that's $90 saved.
- Watch the annual fee waiver conditions. Many premium cards waive fees in year 1 only or require a minimum annual spend (e.g. $5,000) to keep the waiver. Set a reminder before renewal.
Common Mistakes to Avoid
The five most expensive errors people make with credit cards:
- Applying for too many cards at once. Each application is a hard credit pull. 3+ pulls in 6 months drops your score 30-50 points. Space out applications by at least 90 days.
- Only paying the minimum. If you have $5,000 balance at 24% APR and pay only the minimum (5%), you'll pay $1,500+ in interest before clearing the debt. Always pay in full when possible.
- Ignoring the fine print on welcome bonuses. "Get $200 cashback!" usually requires spending $3,000 in 90 days. Read the qualifying spend, the eligible categories, and the payout timeline.
- Not using benefits you've already paid for. If you pay a $400 annual fee for a card with airport lounge access, lost-baggage insurance, and concierge — use them. Most users don't claim 80% of what they paid for.
- Treating credit cards as free money. They're high-cost short-term loans. The minimum payment cycle is designed to keep you indebted for 7-10 years on average.
How to Choose the Right Credit card in Belgium
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Customer support — 24/7 helpline, branch network, dispute resolution time
- Regulation — check the issuer's licence on the National Bank of Belgium public register before you apply
Frequently Asked Questions: Credit cards in Belgium
What is the best credit card in Belgium for 2026?
The best credit card depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare the 15 products in this guide above.
What credit score do I need for a credit card in Belgium?
Buzdy does not hold credit-score or credit-bureau data, and each bank sets its own threshold. None of the 15 products in this guide publish a minimum income requirement on their product page, so ask the bank directly before applying.
Can I apply online for a credit card in Belgium?
Yes, most major banks in Belgium now offer fully online applications. Tap "View" on any credit card above to start the application process directly with the bank.
What documents do I need?
Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.
Are these credit cards regulated and safe?
Retail banking in Belgium is supervised by National Bank of Belgium. Buzdy has not individually verified the licence status of each issuer on this page, so check the regulator’s own public register before you apply — and escalate an unresolved dispute there.
Can I get a credit card if I am self-employed in Belgium?
Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.
What happens if I default on payments?
Missed payments trigger late fees, a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.
Related Guides for Belgium
- All banks in Belgium
- Bank branches across Belgium
- Credit Cards In Belgium 2026
- Personal Loans In Belgium 2026
- Savings Accounts In Belgium 2026
- Belgium EMI calculator
- Belgium savings calculator
How We Compare
Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.
Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.
Sign in with Google to join