6 cards
Traditional bank cards
Visa and Mastercard credit cards offered by major Belgian banks: ING, BNP Paribas Fortis, KBC, Belfius, Argenta and Beobank.
See comparison →The 3 criteria that matter
Annual fee
€0 to €30/year
Revolut and N26 are free, Argenta from €24/year
Foreign fees
0% to 1.5%
0% with neobanks, 1.5% with traditional banks
Cashback
Up to 1%
Beobank Visa Extra: only card with cashback
Credit cards in Belgium — FAQ
What is the best credit card in Belgium?
It depends on your profile. For fee-free daily use, the Argenta Mastercard (€24/year) is the cheapest traditional option. For non-euro travel, Revolut or N26 offer 0% exchange fees. For cashback, Beobank Visa Extra offers 1% on all purchases.
How much does a credit card cost in Belgium?
Annual fees range from €0 (Argenta, Revolut, N26) to over €100/year for premium cards. The average for a classic card is €25–30 per year.
Visa or Mastercard: what's the difference in Belgium?
In practice, none. Both are accepted everywhere in Belgium and Europe. What matters is the issuing bank: its fees, insurance and benefits.
Are there free credit cards in Belgium?
Yes. Argenta Mastercard costs €24/year since July 2025 (free for 18-24). Among neobanks, Revolut Standard, N26 Standard and Wise have no annual fee.
What are the fees for paying abroad?
Traditional banks charge 1.5% exchange fees outside the euro zone. Neobanks (Revolut, N26) offer 0% on payments, sometimes with a monthly cap.
Is there a minimum income requirement?
Yes, around €1,100/month net at traditional banks. Prepaid cards (Revolut, N26) don't require minimum income.
How long to receive a card?
Traditional bank: 5–10 business days. Neobanks: instant virtual card, physical card in 3–7 days.
Does cashback really exist in Belgium?
It's rare. Beobank is the only traditional bank with cashback (1%). Revolut Premium offers 0.1%. For real cashback, Beobank is the reference.