Ranking - 2026

Ranking of premium credit cards in Belgium

The best premium credit card in Belgium is, as of 4 October 2026, the Keytrade Bank Visa Platinum: free for anyone who pays with it at least twelve times a year, a EUR 10,000 monthly limit, travel accident cover up to EUR 200,000. Seven cards read off the issuers' official pages; the KBC and Belfius Platinum cards are no longer sold.

Fees checked on 4 October 2026

In brief

  • The Keytrade Bank Visa Platinum costs nothing as long as it is used twelve times a year; a quiet year costs EUR 150, and its cancellation cap stays at EUR 5,000, as on the Gold.
  • KBC and Belfius no longer sell their Platinum cards, which covered cancellation up to EUR 10,000; American Express (EUR 240 and EUR 780 a year) and Revolut Metal (EUR 17.99 a month) mostly sell services.
  • Over three years the bill runs from EUR 0 (Keytrade, regular user) to EUR 2,340 (American Express Platinum), for cards that do not buy the same product.
  1. 01

    Keytrade Bank Visa Platinum

    7.3/10
    Annual feeFree in year one, then free with 12 payments a year (otherwise EUR 150/year)
    Non-euro1.40% on payments outside the euro zone
    NetworkVisa - Keytrade Bank

    Pros : The limit goes up to EUR 10,000 a month, with spending debited in one go at the start of the following month. Travel accident cover up to EUR 200,000, trip cancellation or interruption up to EUR 5,000, delayed or cancelled departure up to EUR 250, cash stolen after a withdrawal up to EUR 1,000, keys and papers up to EUR 500, event tickets cancelled up to EUR 250 per ticket and EUR 1,000 a year. No fee for anyone who pays once a month.

    Cons : No airport lounge, no concierge: the page describes guarantees only. A quiet year costs EUR 150, three times the Visa Gold of the same bank. The trip cancellation cap stays at EUR 5,000, exactly as on the Gold. Outside the euro zone a withdrawal costs EUR 2 plus 0.40% of the amount plus 1.40% FX. The card is ordered from a customer account.

    It sells caps and no services. For anyone who travels little and wants solid cover without thinking about it, it is the best value in the panel.

  2. 02

    American Express Platinum

    6.0/10
    Annual feeEUR 780/year (EUR 65/month)
    Non-euro2.5% after conversion into euros; cash withdrawal 3.5% (minimum EUR 4.50)
    NetworkAmerican Express - American Express

    Pros : Unlimited airport lounge access (more than 1,550 lounges worldwide, Centurion and Priority Pass included), Fast Lane at Brussels Airport, EUR 300 a year of credit in a selection of restaurants and two meals a month at Black Pearls in Brussels Airport. One Membership Rewards point per euro spent, four with the Booster option at EUR 10 a month. Travel insurance covering cancellation, baggage and delays.

    Cons : EUR 780 a year, or EUR 2,340 over three years. Reserved for gross income of at least EUR 30,000 a year, with no registered credit default, residence and bank in Belgium or the euro zone, and an automatic bank direct debit. An additional Platinum card costs EUR 10 a month. The fee schedule in force since 1 February 2026 is dated 16 December 2024 and calls itself indicative.

    A travel subscription that only makes sense if you consume it: EUR 300 of restaurants actually spent and lounges used on every flight bring the net bill down to about EUR 480. Without those habits it is the most expensive card in the panel for what it protects.

  3. 03

    Revolut Metal

    5.9/10
    Annual feeEUR 17.99/month (EUR 215.88/year)
    Non-euroUnlimited exchange with no fair-usage fee within the plan
    NetworkMastercard - Revolut

    Pros : No income check and no credit file. Unlimited exchange with no fair-usage fee, discounted access to more than 1,000 airport lounges, a fast-track pass at security in some airports, an eSIM with 3 GB of data, travel insurance, purchase protection and seventeen partner subscriptions included. Belgian terms in force since 9 July 2026.

    Cons : A debit card: no deferred payment, no credit facility, and a car rental desk may insist on a deferred-debit card. Withdrawals are free up to five operations or EUR 200 per rolling month, then 2% with a EUR 1 minimum. Lounges still cost money, at a reduced rate only. The plan page mentions medical assistance and flight delays without putting a figure on the caps. The network of the physical card is assigned automatically based on availability.

    EUR 24 a year cheaper than the American Express Gold, and poorer in lounges. Take it for the currency exchange and for subscriptions you already pay for, never as your only card.

  4. 04

    American Express Gold

    5.8/10
    Annual feeEUR 240/year (EUR 20/month)
    Non-euro2.5% after conversion into euros; cash withdrawal 3.5% (minimum EUR 4.50)
    NetworkAmerican Express - American Express

    Pros : Four Priority Pass lounge visits a year, trip cancellation or interruption up to EUR 7,500, flight and baggage delay insurance, purchase protection and medical assistance abroad. According to the product page, a EUR 150 SIXT credit a year and an Amazon Prime refund of up to EUR 36 a year complete the offer. An additional Gold card costs EUR 85 a year.

    Cons : EUR 240 a year, EUR 720 over three years. Four lounge entries work out at EUR 60 a visit if they are the only benefits used. The same fee schedule dated 16 December 2024 as the Platinum: 2.5% FX after conversion into euros, cash withdrawals at 3.5% with a EUR 4.50 minimum. Income requirement not found on the page.

    The only Gold in the panel that opens lounge doors, and the most expensive of its category. It pays back its fee if the SIXT and Amazon credits are really used, which assumes you already have those habits.

  5. 05

    BNP Paribas Fortis Mastercard Gold

    5.4/10
    Annual feeEUR 4.25/month outside a package (EUR 51/year), included in the Easy Guide Pack
    Non-euroFX margin not quantified
    NetworkMastercard - BNP Paribas Fortis

    Pros : A EUR 5,000 monthly limit, spending debited at the start of the following month. Four built-in insurance policies: trip cancellation (illness, accident or major damage to the home, provided at least 70% of the trip was paid with the card), purchase cover against theft and accidental damage for 120 days, online purchases for 90 days, fraudulent use. Partner offers from Avis, Hertz and Priceless Cities. Online application from Easy Banking.

    Cons : No insurance cap is published on the product page, for cancellation or for purchases: there is no way to compare what the card pays out. The 70% condition rules out trips settled through several payment methods. The FX margin is not quantified. The price of the card on its own comes from the bank's FAQ, with no readable date.

    The high-street Gold that is most predictable on price and least readable on cover. Before signing, ask for the insurance certificate to find out what cancellation actually repays.

  6. 06

    Beobank Visa Gold

    5.1/10
    Annual feeEUR 5/year
    Non-euroReferred to Beobank's fee schedule
    NetworkVisa - Beobank

    Pros : A credit facility of up to EUR 10,000 for EUR 5 a year, with no account to open at Beobank. Purchase insurance over 200 days up to EUR 3,000 a year, a one-year extended warranty up to EUR 2,000 per claim on appliances and electronics, Safe Online up to EUR 1,250 a year for an online purchase that never arrives. Withdrawals up to EUR 1,000 per 24 hours.

    Cons : No travel or cancellation insurance: on a EUR 4,000 holiday the card protects the laptop bought on the spot, not the plane ticket. An open-ended credit facility, APR 14.49% on the representative example of EUR 3,800, minimum repayment of one eighteenth or one twentieth of the balance used with a EUR 25 floor. No lounge, no service.

    High-end on its EUR 10,000 ceiling, very low-end on travel. A EUR 1,000 balance left for twelve months costs about EUR 145 in interest at the example APR, twenty-nine times the fee: keep it for anyone who clears every statement.

  7. 07

    KBC Credit Card with Luxury package

    4.9/10
    Annual feeCard free with a KBC Base or Plus account, Luxury package EUR 25/month (EUR 300/year)
    Non-euroNot stated on the pages of the current card
    NetworkMastercard - KBC

    Pros : The Luxury package adds a concierge reachable anywhere in the world, day and night, and airport lounge access through LoungeKey, whatever the airline or travel class. Services go live 48 hours after sign-up from the KBC Mobile app and can be cancelled at any time in the same place. The card itself is free, debited at the start of the following month, with a limit the customer sets.

    Cons : EUR 300 a year for services, and no insurance inside: trip cancellation sits in the Travel package, at EUR 7 a month, which makes EUR 384 a year for the two packages. The page puts no limit on lounge visits, but companions pay their own way and experiences are charged on top. No insurance cap found on the pages of the current card.

    The literal translation of the new Belgian deal: a free card, prestige as an option. At EUR 300 a year the Luxury package only makes sense for someone who really uses lounges, and the bill climbs to EUR 384 once you add travel cover.

The highest insurance caps have left Belgian banks

KBC no longer sells Silver, Gold or Platinum cards. The bank's own page says so in plain words, read on 4 October 2026: only a KBC credit card remains, free with a KBC Base or KBC Plus account, and existing holders are being converted between April 2025 and April 2027. Their insurance ends when the card is replaced.

The KBC Platinum covered trip cancellation up to EUR 10,000 per claim. The Belfius one covered it up to EUR 10,000 per trip too, and its page now states that the product is no longer marketed. The two Belgian Platinum cards that went that high can no longer be taken out.

In their place KBC sells modules: EUR 1.50 a month for purchases, EUR 7 for travel, EUR 25 for a Luxury package that opens airport lounges and a concierge. Belgian premium cards have moved from insurance caps to services.

I read this move as the high-street banks pulling out of a ground that cost them in claims. No page confirms it: it is a reading of the catalogues, not of KBC's or Belfius's reasons, and I have no sales figures to back it up.

The protections that remain high sit elsewhere: EUR 7,500 of cancellation cover at American Express Gold, EUR 5,000 at Keytrade.

Sources: Gold and Platinum cards in Belgium: the premium card comparison - Insurance included in a Belgian credit card - Wikifin (FSMA), financial education

How much do these cards cost over three years?

From EUR 0 to EUR 2,340. Over thirty-six months, the Keytrade Bank Visa Platinum costs nothing to anyone who pays once a month, the Beobank Visa Gold EUR 15, the BNP Paribas Fortis Mastercard Gold EUR 153 outside a package, Revolut Metal EUR 647.64, the American Express Gold EUR 720, KBC's Luxury package EUR 900 and the American Express Platinum EUR 2,340.

Each line sells a different product. At Beobank, EUR 15 buys a credit facility at a 14.49% APR in the representative example of EUR 3,800. At Revolut, EUR 647.64 buys a debit card, with no credit or deferred payment. At KBC the Luxury package sits on top of a free card and includes no insurance: the Travel package adds EUR 252 over three years.

For a cardholder who pays once a month, the gap between the lowest line and the highest therefore reaches EUR 2,340 without the two cards providing the same service.

American Express's fee schedule, in force since 1 February 2026, is dated 16 December 2024 and calls itself indicative. The product pages show the same amounts, EUR 240 and EUR 780 a year, and I stay with them, knowing the schedule was more than twenty-one months old on the date of this check.

Sources: What a Belgian credit card really costs - The hidden fees of a Belgian credit card - American Express Belgium, fee schedule (PDF)

A Gold at EUR 4.25 a month still stands up to the comparison

The objection is a serious one: the high-street banks still sell a Gold. BNP Paribas Fortis charges EUR 4.25 a month for its Mastercard Gold outside a package, EUR 51 a year, with a EUR 5,000 limit, cancellation insurance conditional on at least 70% of the trip being paid by card, and two purchase guarantees of 120 and 90 days.

Keytrade goes further for less. Its Visa Gold covers cancellation up to EUR 5,000, travel accident up to EUR 100,000 and a delayed or cancelled departure up to EUR 250, for EUR 0 as long as the card is used twelve times a year.

Its Platinum raises the limit to EUR 10,000 a month and travel accident cover to EUR 200,000, and adds protection for event tickets. The cancellation cap does not move: EUR 5,000, as on the Gold. Moving up to the Platinum at Keytrade therefore does not raise the cover on the item that costs most to lose, and a quiet year goes from EUR 50 to EUR 150. I did not see it highlighted on any of the pages I checked, and it is the detail that surprised me most when reading them.

I cannot compare BNP Paribas Fortis with Keytrade on cancellation. The Mastercard Gold page publishes no cap, and the Easy Guide Pack that includes the card has a base price of EUR 5.50 a month according to the bank's FAQ, a page with no readable date. A missing figure stays missing.

Sources: Keytrade Bank, credit card costs - BNP Paribas Fortis, Mastercard Gold

At what point does EUR 780 a year pay for itself?

At the point where the cardholder consumes the perks like a subscription. The American Express Platinum costs EUR 65 a month and gives back EUR 300 a year of credit in a selection of restaurants, unlimited airport lounge access and the Fast Lane at Brussels Airport. The restaurant credit, if used up, brings the net bill down to EUR 480.

The Gold, at EUR 240, opens four Priority Pass lounge entries a year. If those are the only perks used, each visit works out at EUR 60. The EUR 150 SIXT credit and the Amazon Prime refund of up to EUR 36, advertised on the page, bring the bill down to EUR 54 for anyone who actually uses them.

KBC's Luxury package plays the same tune at EUR 300 a year, with no cap on visits on the page, but companions pay.

I would not sign for EUR 780 without first counting last year's flights. Two departures on a package holiday are not enough. The card also requires gross income of at least EUR 30,000 a year, no registered credit default, residence and a bank in Belgium or the euro zone, and an automatic direct debit. A holder who meets those conditions without travelling much is paying for the prestige of the envelope.

Sources: Credit cards with airport lounge access - American Express Belgium, Platinum card

Revolut Metal is a debit card at EUR 17.99 a month

No deferred payment, no credit facility, and a car rental desk may insist on a deferred-debit card: the contract is that of a payment account with a subscription. Its ground is currency exchange, with no limit and no fair-usage fee within the plan, under the Belgian terms in force since 9 July 2026.

Withdrawals follow another rule: free up to five operations or EUR 200 per rolling month, then 2% with a EUR 1 minimum. Airport lounges remain chargeable, at a reduced rate.

At EUR 215.88 a year, Metal costs EUR 24 less than the American Express Gold and gives less in lounges. Its page cites travel insurance, medical assistance and flight delays without putting a figure on a single cap on 4 October 2026. I therefore do not rate it the way I rate the EUR 7,500 of cancellation cover on the American Express Gold.

Sources: Credit card or debit card: the differences - Revolut Belgium, personal fees

Where are ING and Belfius in this ranking?

Belfius is absent because its Mastercard Platinum is no longer marketed. The page, read on 4 October 2026, still shows the figures: EUR 14.19 a month for the first card outside a package, EUR 18 with the Comfort Platinum account, cancellation up to EUR 10,000 per trip. A price that can no longer be taken out has no place in a ranking.

ING is missing for the fourth consecutive time on this site. On 4 October 2026, ING's credit card page returned only its metadata, with no fee, no limit and no insurance. This site's Gold and Platinum guide carries EUR 51 a year for the ING Mastercard Gold; that figure does not come from any readable ING page today and needs rechecking.

As of 4 October 2026, the best premium card in the panel costs nothing to anyone who pays once a month and comes from Keytrade Bank, while the most expensive, the American Express Platinum, charges EUR 780.

Sources: Belfius, Mastercard Platinum (product no longer marketed) - ING, credit cards - Ombudsfin, financial disputes ombudsman

Methodology

How we score.

30 %
Cost over three years

Fees summed over thirty-six months, compulsory packages and options included, free-use conditions included.

30 %
Quantified protection

Cancellation, accident and purchase insurance with caps published on an official page; a missing cap counts as protection that cannot be checked.

20 %
Included services

Airport lounges, concierge, credits and partner perks, with their usage limits.

20 %
Published fees

FX commission and withdrawal costs readable on an official issuer page.

Sources

Fees read off the issuers' official pricing pages on 4 October 2026. They can change without notice: always check the issuer's page before subscribing.

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Frequently asked questions

What is the best premium credit card in Belgium?

As checked on 4 October 2026, the Keytrade Bank Visa Platinum: free in the first year and then for as long as it is used twelve times a year, a EUR 10,000 monthly limit, travel accident cover up to EUR 200,000. It offers no lounge. For lounges and services, the American Express Platinum at EUR 780 a year is the only card in the panel that opens them without a limit.

Does a premium card give access to airport lounges in Belgium?

Among the seven cards checked, four do: the American Express Platinum (unlimited access), the American Express Gold (four entries a year), KBC's Luxury package (through LoungeKey, with no visit limit on the page) and Revolut Metal (at a reduced rate only). Keytrade, BNP Paribas Fortis and Beobank mention none on their pages.

What is left of the KBC Gold and Platinum cards?

Existing holders can keep using them until they are converted to the KBC credit card, announced between April 2025 and April 2027. The old card's insurance ends when it is replaced; trips already booked stay covered. No new customer can take them out.

What income do you need for the American Express Platinum?

The page asks for gross annual income of at least EUR 30,000, no registered credit default, residence and a bank in Belgium or the euro zone, and an automatic direct debit. Acceptance remains subject to the issuer's review of the application.