If you’re searching for the best cashback credit cards in Belgium, you’re in the right place. Belgium offers several credit cards that reward your everyday spending with money back.
These cards combine financial benefits, including protection, and seamless digital management. They work for a range of lifestyles, whether you’re a frequent shopper, traveler, or everyday spender.
This article outlines top cashback cards, featuring detailed perks, fees, why they’re worth it, how to apply, and essential contact information.
Leading Cashback Credit Cards in Belgium
Popular cashback cards from Belgian banks stand out by offering a clear percentage of your purchases returned as rewards.
These cards come with insurance features and flexible repayment models. Providers include Beobank, Keytrade Bank, and others that offer cashback automation through their apps.
Each card offers a different way of earning money back, with incentives often tied to usage patterns. Here’s a detailed overview of these top options.
Beobank Extra Mastercard / Visa Extra
Beobank’s Extra Mastercard and Visa Extra offer 1 % cashback on all purchases, whether online or in-store, both domestically and abroad.
These cards come with packaged protections: purchase insurance, extended warranty, and online purchase safety. The cashback is automatically credited the month following statement generation, up to a limit of €100 per year.
They operate on a revolving credit model with a representative APR around 14.49 % and a debit interest rate close to 12.83–12.89 %. A modest annual fee applies.
Keytrade Bank Visa Cashback via App
Keytrade Bank allows registered cardholders to earn cashback at partner retailers by paying with their Visa card and signing up in the bank app.
Cashback rates vary depending on retailer agreements and are paid monthly into your account.
Any Keytrade Bank Visa card can be used, and as long as you make at least twelve transactions yearly, the card remains free. You also get standard credit card protections, with no subscription cost when conditions are met.
Beobank Q8 World Mastercard
The Q8 World Mastercard from Beobank offers special fuel and purchase rewards. It provides 4 % discount at Q8 service stations for the first three months, then 2 % ongoing.
All other purchases earn 0.5% cash back, with a reward cap per year. It also includes the standard protections: purchase insurance, extended warranty, and Safe Online cover. This card is ideal for drivers seeking fuel savings and basic cashback.
Key Features and Advantages
Each of these cashback cards offers more than just monetary returns.
They include automated cashback, digital account management, and safety features.
This makes them attractive for everyday use, travel, and online purchases. Here’s a deeper look at what makes each one compelling.
Beobank Automation and Protections
The Beobank Extra and Q8 World cards feature an automatic cashback process that requires no extra steps from you.
Monthly cashback appears on your statement following the purchase month. The cards include three types of insurance: theft protection, extended warranty for electronics, and Safe Online cover for online orders.
These protections are triggered automatically when you use the card. The Q8 version adds fuel-related savings, making it even more useful for drivers.
Keytrade Bank’s Flexible Cashback Program
Keytrade’s approach is to reward customers who use their Visa card with partner retailers.
You activate deals in the Keytrade app, then shop as usual. Cashback rates vary by retailer, and rewards are deposited monthly into your account.
If you make at least twelve transactions per year, you avoid the annual fee for your credit card. This mix of flexibility, simplicity, and free usage makes it a strong contender.
Interest Rates and Charges to Consider
Understanding annual percentage rates and fees helps you make informed choices. These cards are revolving credit products, meaning that if you carry a balance, interest is charged.
Additional fees may apply to currency exchanges, ATM withdrawals, or cash advances. Let’s break down the cost structures.
Revolving Credit and APR
All these cards use a revolving credit system where interest kicks in only when you don’t pay off the full balance each month.
Beobank cards carry a representative APR of about 14.49 % and a variable debit rate around 12.83 % to 12.89 %.
The Q8 World Mastercard shares a similar APR around 11.49 %. Paying the full balance each month allows you to avoid interest altogether.
Additional Transaction Costs
Foreign currency transactions typically incur a fee. Cash withdrawals, even at home or abroad, include a flat fee plus percentage charges. Such fees occur regardless of card type.
These extra fees can affect your total costs if you withdraw cash frequently or travel often. Reviewing each card’s terms is crucial before using it regularly.
Why Choose a Cashback Card
Cashback cards combine financial incentives, user convenience, and built-in protection.
They stand out for both everyday purchases and specific behaviors like fuel spending. Choosing the right card means matching it to your habits—shopping, driving, or partner shopping.
Each of the cards discussed here offers distinct advantages worth considering.
Simple Rewards and Automatic Credit
Beobank’s 1 % cashback is automatically credited without extra effort. Q8’s fuel discounts reward drivers directly at the pump.
Keytrade’s system lets you choose when and where to earn, paying into your account monthly. All this is done without changing your spending patterns.
Protection Included with Cashback
Cashback cards include protections at no cost. Beobank’s cards have purchase theft protection, extended warranties, and online purchase coverage.
These protections activate when you use your card and don’t require extra insurance purchases. These insurance features enhance the value of your returned cashback rewards.
Requirements to Apply
To get one of these cashback credit cards, you generally must reside in Belgium and be at least 18 years old.
You need to hold or open a current account with the issuing bank. Banks assess your income, credit history, and repayment capability before approval.
Applications are typically digital and can be completed quickly once the documentation is complete.
Documentation and Eligibility
Applicants must show a valid national ID, proof of address, and recent pay slips or statements. Self-employed individuals may submit tax returns or business records.
The bank evaluates repayment capability and assigns an initial credit limit. Applications with incomplete documents may be delayed.
Approval Timeline and Activation
Once submitted, approval often occurs within a few business days. The card is mailed to your registered address along with a PIN.
You activate the card online or via the app once received. With Keytrade, digital activation may allow immediate use before the physical card arrives.
Provider Contact and Main Office Details
Knowing how to reach customer support is essential, especially in case of card issues, fraud, or application questions.
Here are the main contacts and addresses for these card issuers.
Beobank
Beobank’s head office is at Boulevard du Roi Albert II 2, Brussels. They offer customer support by phone, mobile app messaging, and in-branch service at over 190 locations.
Lost card blocking is available 24/7 via the app or phone. Insurance claims can be managed through their assistance provider.
Keytrade Bank
Keytrade Bank is based in Brussels and operates primarily as an online bank. Customer service is offered through secure messaging, phone lines, and app support.
All card management and cashback activation occurs through the online portal and mobile app.
How to Apply for a Cashback Credit Card
Applying is simple and driven by your bank’s digital tools. The fastest route is via online banking or mobile apps.
You select your desired card, submit documents, and wait for approval. Physical cards are mailed, then activated via app or online.
Online Application Process
Log in to your bank’s digital platform and navigate to credit cards. Choose the cashback option that suits your habits.
Upload your ID, proof of address, and income documents. The bank reviews your application and notifies you of approval. Once received, use the app to activate and start earning cashback.
Conclusion
If you want to know the best cashback credit cards in Belgium, the Beobank Extra, Visa Extra, Beobank Q8 World Mastercard, and Keytrade Bank Visa are top choices.
For anyone seeking to make everyday spending work harder, these cashback cards deliver simplicity, savings, and satisfaction.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.
