Looking for the best credit cards with the lowest fees, best rewards, and exclusive benefits in Belgium? We've analyzed 5 Credit Cards from top banks operating in Belgium to help you find the perfect match for your needs.
Whether you're an expat, a local resident, or a business professional, this guide covers everything from annual fees and interest rates to rewards programs and eligibility requirements. All data is sourced directly from bank product listings and updated regularly.
Top 5 Credit Cards in Belgium (2026)
1. Extra Mastercard
Bank: Beobank
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 1.42% per month
- Key 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...
2. Visa Gold
Bank: Beobank
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 1.42% per month
- Key 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 V...
3. Elite Travel Mastercard
Bank: Beobank
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 1.42% per month
- Key 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...
4. Visa Extra
Bank: Beobank
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 1.42% per month
- Key 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...
5. Q8 World Mastercard
Bank: Beobank
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 1.42% per month
- Key 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...
How to Choose the Right Card
When comparing Credit Cards in Belgium, consider these factors:
- Annual Fee: Some cards offer zero annual fees, while premium cards with lounge access and travel insurance may charge higher fees but offer greater value.
- Minimum Salary: Each bank has different eligibility requirements. Cards with lower salary requirements are easier to qualify for.
- Rewards & Cashback: Look for cards that match your spending habits — dining, travel, shopping, or fuel.
- Interest Rate: If you plan to carry a balance, compare the monthly interest rates carefully.
Compare All Credit Cards in Belgium
Want to see all available options? Compare all Credit Cards in Belgium →
Last updated: April 2026. All information is for comparison purposes only. Please verify details directly with the bank before applying.
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