4 questions · 2 minutes

Which credit card suits you?

Answer 4 questions to get your personalised recommendation.

Our quiz analyses your spending habits, travel frequency and budget to recommend the best credit card for your profile. We compare traditional Belgian banks and neobanks.

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What type of bank do you prefer?

The 3 criteria that matter most

Annual fee

From €0 to €120/year. A free card is enough for most users in Belgium.

Foreign fees

1.5% with traditional banks, 0% with neobanks. The key criterion for travellers.

Insurance

Only premium cards include travel insurance. Check if your home insurance already covers you.

Choosing a credit card — FAQ

How to choose a credit card in Belgium?

First assess your main use (daily purchases, travel, cashback). Then compare the annual fee, non-euro zone fees and included insurance. Our quiz guides you in 4 questions.

Credit card vs debit card: what's the difference?

A debit card immediately debits your current account. A credit card gives you a payment delay (usually at the end of the month). In Belgium, Bancontact cards are debit cards, while Visa and Mastercard are credit cards.

Traditional bank or neobank: which is better?

Traditional banks offer physical branches and human support. Neobanks like Revolut or N26 offer lower fees (especially abroad) and more modern apps. For daily use in Belgium, both work well.

Visa or Mastercard: which to choose in Belgium?

Both networks are accepted everywhere in Belgium and Europe. The difference is in the benefits offered by the issuing bank, not the network. Choose based on the bank's fees and insurance, not the logo on the card.

What documents are needed to apply for a credit card?

Typically: a Belgian ID or residence permit, proof of income (pay slips) and a Belgian bank account. Neobanks often only require an ID and selfie verification.

Can you have multiple credit cards in Belgium?

Yes, there is no legal limit. Having both a traditional bank card and a neobank is common — for example a Belfius for daily use and a Revolut for travel.