Last updated: June 23, 2026 · Credit cards compared: 15 · Data source: Official bank product pages
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for the best credit card in Belgium in 2026? We compared 15 credit cards from top banks in Belgium to help you find the right one for your needs, income, and lifestyle.
This guide covers fees, interest rates, eligibility, rewards, and key benefits for every option. All data is sourced from official bank product pages and updated as of June 23, 2026. Every option is from a bank regulated by National Bank of Belgium.
Quick Comparison: All 15 Credit cards in Belgium
Side-by-side comparison of every credit card option in Belgium as of June 23, 2026. Tap any name for full details.
| Credit card | Bank | Rate / Eligibility | Top Features | Apply |
|---|---|---|---|---|
| 1. Elite Travel Mastercard | Beobank | 1.42% per month | Chip/Pin, Supplementary Cards | View → |
| 2. Extra Mastercard | Beobank | 1.42% per month | Chip/Pin, Supplementary Cards | View → |
| 3. Flying Blue World Mastercard | Beobank | 1.42% per month | Chip/Pin, Supplementary Cards | View → |
| 4. Mastercard Classic | Beobank | 1.42% per month | Chip/Pin, Supplementary Cards | View → |
| 5. Neckermann World Mastercard | Beobank | 1.42% per month | Chip/Pin, Supplementary Cards | View → |
| 6. Premium Flying Blue World Card | Beobank | 1.42% per month | Chip/Pin, Supplementary Cards | View → |
| 7. Q8 World Mastercard | Beobank | 1.42% per month | Chip/Pin, Supplementary Cards | View → |
| 8. Visa Extra | Beobank | 1.42% per month | Chip/Pin, Supplementary Cards | View → |
| 9. Visa Gold | Beobank | 1.42% per month | Chip/Pin, Supplementary Cards | View → |
| 10. Young Mastercard | Beobank | 1.42% per month | Chip/Pin, Supplementary Cards | View → |
| 11. Visa Classic Credit Card | Crelan | 1.42% per month | Chip/Pin, Supplementary Cards | View → |
| 12. Visa Gold Credit Card | Crelan | 1.42% per month | Chip/Pin, Supplementary Cards | View → |
| 13. Visa Classic | Keytrade Bank | 1.42% per month | Chip/Pin, Supplementary Cards | View → |
| 14. Visa Gold | Keytrade Bank | 1.42% per month | Chip/Pin, Supplementary Cards | View → |
| 15. Visa Platinum | Keytrade Bank | 1.42% per month | Chip/Pin, Supplementary Cards | View → |
Top 15 Credit Cards in Belgium (2026)
1. Elite Travel Mastercard
Bank: Beobank
- Interest Rate: 1.42% per month
- Salary/Eligibility: Not Required
- Benefits: Chip/Pin, 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 an
2. Extra Mastercard
Bank: Beobank
- Interest Rate: 1.42% per month
- Salary/Eligibility: Not Required
- Benefits: Chip/Pin, 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. Yo
3. Flying Blue World Mastercard
Bank: Beobank
- Interest Rate: 1.42% per month
- Salary/Eligibility: Not Required
- Benefits: Chip/Pin, 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
4. Mastercard Classic
Bank: Beobank
- Interest Rate: 1.42% per month
- Salary/Eligibility: Not Required
- Benefits: Chip/Pin, 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.
5. Neckermann World Mastercard
Bank: Beobank
- Interest Rate: 1.42% per month
- Salary/Eligibility: Not Required
- Benefits: Chip/Pin, 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 insu
6. Premium Flying Blue World Card
Bank: Beobank
- Interest Rate: 1.42% per month
- Salary/Eligibility: Not Required
- Benefits: Chip/Pin, 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 milli
7. Q8 World Mastercard
Bank: Beobank
- Interest Rate: 1.42% per month
- Salary/Eligibility: Not Required
- Benefits: Chip/Pin, 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 al
8. Visa Extra
Bank: Beobank
- Interest Rate: 1.42% per month
- Salary/Eligibility: Not Required
- Benefits: Chip/Pin, 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, e
9. Visa Gold
Bank: Beobank
- Interest Rate: 1.42% per month
- Salary/Eligibility: Not Required
- Benefits: Chip/Pin, 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
10. Young Mastercard
Bank: Beobank
- Interest Rate: 1.42% per month
- Salary/Eligibility: Not Required
- Benefits: Chip/Pin, 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
11. Visa Classic Credit Card
Bank: Crelan
- Interest Rate: 1.42% per month
- Salary/Eligibility: Not Required
- Benefits: Chip/Pin, 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
12. Visa Gold Credit Card
Bank: Crelan
- Interest Rate: 1.42% per month
- Salary/Eligibility: Not Required
- Benefits: Chip/Pin, 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, canc
13. Visa Classic
Bank: Keytrade Bank
- Interest Rate: 1.42% per month
- Salary/Eligibility: Not Required
- Benefits: Chip/Pin, 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.
14. Visa Gold
Bank: Keytrade Bank
- Interest Rate: 1.42% per month
- Salary/Eligibility: Not Required
- Benefits: Chip/Pin, 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 fro
15. Visa Platinum
Bank: Keytrade Bank
- Interest Rate: 1.42% per month
- Salary/Eligibility: Not Required
- Benefits: Chip/Pin, 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
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 — all products listed are from banks regulated by National Bank of Belgium
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 all 15 options on this page.
What credit score do I need for a credit card in Belgium?
Most banks in Belgium require a clean credit history with no defaults in the last 5 years. Premium products typically require higher monthly income. Each bank publishes its own minimum on the product page.
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?
Yes — all 15 options listed are from banks regulated by National Bank of Belgium. Consumer disputes can be escalated to the regulator if a bank does not resolve the issue.
What are the typical fees in Belgium?
Fees vary by tier and bank: classic cards typically € 0–1,500/year, gold € 1,500–3,000, platinum € 3,000–10,000. Many banks waive the first year. Always check the product page for the exact fee schedule.
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 (typically € 500–2,000), 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
