Ranking - 2026

Ranking of Belgian bank credit cards

The six classic cards from the major Belgian banks, ranked on real annual cost: fee, non-euro charges, cashback and insurance. Fees taken from the issuers' official pricing pages.

Fees checked on 13 July 2026

In brief

  • Beobank Visa Extra (EUR 20/year) is both the cheapest AND the only one with 1% cashback (capped at EUR 100/year).
  • The gap between cheapest and priciest is only EUR 9/year: the annual fee is not the real issue.
  • Non-euro fees are identical everywhere: 1.5%. No Belgian traditional bank goes below that.
  • No classic card includes travel insurance: you need to move up (Gold, Platinum) or buy a package.
  1. 01

    Beobank Visa Extra

    8.6/10
    Annual feeEUR 20/year
    Non-euro1.5%
    NetworkVisa - Beobank

    Pros : The only Belgian card with 1% cashback on all purchases; first year free after your first payment.

    Cons : Cashback capped at EUR 100 per calendar year, and excluded on cash withdrawals.

    Cheapest AND the only one that pays you back. Worth it from ~EUR 2,000 of yearly card spending.

  2. 02

    Argenta Mastercard

    8.2/10
    Annual feeEUR 24/year (EUR 2/month)
    Non-euro1.5%
    NetworkMastercard - Argenta

    Pros : Free for 18-24 year olds. Clear monthly billing, no bundled package required.

    Cons : Highest borrowing rate in the panel (10.20%) and no insurance included.

    Best pick if you want neither cashback nor insurance: one card, one price, done.

  3. 03

    KBC Mastercard

    7.8/10
    Annual feeEUR 25/year
    Non-euro1.5%
    NetworkMastercard - KBC

    Pros : KBC Mobile is among the best banking apps in Belgium (freeze, limits, live alerts).

    Cons : Only worth it if you already bank with KBC; the current account fee rose in 2026.

    Excellent for KBC customers. Nothing justifies opening an account just for the card.

  4. 04

    Belfius Mastercard Classic

    7.6/10
    Annual feeEUR 26/year
    Non-euro1.5%
    NetworkMastercard - Belfius

    Pros : Lowest borrowing rate with ING (9.50%) - useful if you spread repayments.

    Cons : No travel insurance on the Classic: you need the Mastercard Star (Beats package).

    Solid, no surprises. The default choice for Belfius customers.

  5. 05

    BNP Paribas Fortis Mastercard Classic

    7.2/10
    Annual feeEUR 27/year
    Non-euro1.5%
    NetworkMastercard - BNP Paribas Fortis

    Pros : The densest branch network in Belgium - handy for disputes and fraud.

    Cons : Often sold inside a package (Easy Guide): the real cost then far exceeds the card fee.

    Decent, but you are mostly paying for the branch network. Check the package price first.

  6. 06

    ING Visa Classic

    7.0/10
    Annual feeEUR 29/year
    Non-euro1.5%
    NetworkVisa - ING

    Pros : Visa network - wider acceptance than Mastercard in the United States.

    Cons : Most expensive in the panel. Since January 2026 ING bills monthly, which hides the cost.

    Take it for the Visa network if you travel to the US, not for the price.

Methodology

How we score.

40 %
Real annual cost

Annualised fee, minus the cashback you can realistically collect.

25 %
Non-euro fees

FX fees on payments and free withdrawal caps.

20 %
Included insurance

Travel, purchase protection, extended warranty - included in the fee or not.

15 %
Access conditions

Minimum income, mandatory banking package, age, issuance delay.

Sources

Fees read off the issuers' official pricing pages on 13 July 2026. They can change without notice: always check the issuer's page before subscribing.

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Frequently asked questions

Which Belgian bank has the cheapest credit card?

Beobank Visa Extra at EUR 20/year, with the first year free after your first payment. Next comes the Argenta Mastercard at EUR 24/year (free for 18-24 year olds).

Is Beobank's 1% cashback really worth it?

Yes, but it is capped at EUR 100 per calendar year and excludes cash withdrawals. The EUR 20 fee is covered from roughly EUR 2,000 of yearly card spending. Above EUR 10,000 of spending the cashback stops at EUR 100.

Why do all banks charge 1.5% outside the euro zone?

It is the standard currency-conversion charge applied by Belgian banks. Only neobanks (Revolut, N26) go down to 0%. If you often pay outside the euro zone, a traditional card alone is not enough.

What interest rate applies if I do not repay in full?

Between 9.50% (Belfius, ING) and 10.20% (Argenta). It only applies if you choose instalment repayment. Repay in full each month and you pay no interest at all.

Is a minimum income required for a credit card in Belgium?

Traditional banks generally ask for a regular income (around EUR 1,100 net/month) and a current account with them. Neobank cards have no minimum income requirement.

What should I do if my card is stolen?

Call Card Stop on 078 170 170, available 24/7, which blocks the card instantly. Then file a police report and notify your bank.