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Better safe than sorry? If this is your motto, then a credit card with insurance benefits will definitely be the right pick for you. This kind of credit card offers attractive insurances for you as a buyer or user of certain services. You will have a great credit card with attractive insurance benefits that will protect you from risks and unfortunate situations. It will make you enjoy your card even more as it makes your life a little bit easier.

Unfortunately we cannot control everything that happens to us, but we can control the tools we have to respond to these surprises. Choose the insurance that applies the most to your lifestyle and you will have the right tools to deal with unexpected situations.

The advantages of insurance credit cards:

Insurance credit cards offer different kind of insurances: from purchase, travel, security to payments insurances. Do you love to shop online? Let's start doing this more safely with special online purchases protection, an extended warranty or guaranteed delivery of online shopping. And if you are a travel fanatic... Won't you like to travel worry free? Some credit cards with insurance benefits offer attractive travel assistance insurances: from accidents, delays, lost luggage, hospitalisation to trip cancellations. Safety first? Then choose a safety insurance credit card. Whenever being less lucky, your credit card will be there for you in case of card fraud, theft, damages and if items are stolen from your vehicle. Enjoy some extra protection and know that YOUR insurance credit card of choice offers the helping hand in case of need. However, be careful and choose the credit card that suits your needs, every insurance credit card offers different kind of benefits.

Would you love to have all of the above mentioned types of insurances? Several insurance credit cards in Belgium offer a wide range of insurance benefits that the user can enjoy. This way you can combine your love for shopping, traveling and, last but definitely not least, being safe. Go for a credit card with your favorite types of insurances and enjoy the feeling of having at least one worry less.

What are the credit cards with insurance benefits in Belgium? Read on to discover attractive Belgian insurance credit cards for you.

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Check the list of available credit cards!

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Beobank Q8 World MasterCard

Beobank Q8 World MasterCard

Rating

Card limit:

2200 euros

Costs:

5 euros/year

APRC:

11.49%
  • 4% discount on fuel at Q8 in the first 3 months, afterwards 2%
  • 2% discount on heating fuel at Q8Mazout
  • 0,5% discount on all purchases
  • Purchase protection
  • Extended warranty
  • Safe online
  • Items stolen from vehicle insurance
  • Car keys and/or car papers theft

With Q8 World Mastercard from Beobank you will get 4% off at your refueling station of Q8 for the first 3 months and after that 2%. For any purchase made with Q8 World Mastercard credit card anywhere in the world, you will enjoy a 0.5% discount.

You receive a 0.5% discount on all other purchases made with the card anywhere in the world (except at other petrol stations). Up to 250 euro are reimbursed per year by Q8 World Mastercard from Beobank.

The credit card limit starts from 2200 euro and the annual effective rate is 11.49%. The annual subscription fee is only 5 euro per year.

Advantages:
  • Discounts
  • Insurance
  • Purchase protection
  • Pay back in installments
  • Fidelity bonus
Not available

Beobank Visa Gold

Beobank Visa Gold

Rating

Card limit:

3800 euros

Costs:

5 euros/year

APRC:

11.49%
  • 3 exclusive insurances: Purchase protection, Safe online and Prolonged warranty
  • Cash Transfer allows you to transfer money to your current account
  • You don't need to have a current account opened with Beobank

With Visa Gold by Beobank, you don't need to change your bank and you have a credit opening of at least 3,000 euro. You can manage your Visa Gold credit card account anytime via Beobank Online and Beobank Mobile. The annual effective rate for the credit card is 11.49% and the annual subscription is only 5 euro.

Visa Gold comes with 3 exclusive insurances: Purchase protection, Safe online and Prolonged warranty.

Advantages:
  • Insurance
  • Purchase protection
  • Pay back in installments
Not available

ING Visa Classic

ING Visa Classic

Rating

Card limit:

2000 euros

Costs:

18 euros/year
  • Delivery insurance for online purchases up to 500 euro per year
  • Travel accident insurance up to 130,000 euro per trip
  • Automatic reimbursement from your current account

ING Visa Classic credit card from ING Bank in Belgium is a secure and easy to use credit card. You can use it in Belgium or abroad to pay in stores, restaurants, on the internet at your favorite online shop or to withdraw money.

ING Visa Classic credit card comes also with a set of benefits like free insurance like a travel accident insurance or on internet purchased goods delivery insurance.

The spending cycle closes on the 27th of every month and you ING current account linked to your Visa Classic credit cards will be debited automatically 9 calendar days later. You have access through ING Home Bank online or through their applications for smartphones and tablets to all of your expenses so you can better track your spending habits.

At a cost of 18 euros per year and only 10 euros per year if you are under 25, this is a fairly good option for a credit card in Belgium.

Advantages:
  • Insurance
  • Purchase protection
Not available

ING Card

ING Card

Rating

Card limit:

2000 euros

Costs:

25 euros/year

APRC:

9.98%
  • Purchase guarantee insurance up to 3,000 euro per year
  • Insurance for online purchases up to 750 euro per year
  • Travel accident insurance up to 130,000 euro per trip
  • You can pay off your balance in one go or stagger your repayments, with this flexible credit card you decide

ING Card is a flexible credit card which can you pay back at your own pace. With the flexibility of an ING Card, a Mastercard credit card, you can make purchases in millions of shops around the world and online, and even choose when you repay.

ING Card has a monthly standard credit limit 2,000 euro and the annual fee for the card is 25 euro.

Your online payments are fully secure thanks to MasterCard® SecureCode™and you can transfer money to any other Belgian bank account when you need to.

ING Card, it can be used in all shops and you can withdraw money from ATMs with the MasterCard logo displayed, both in Belgium and abroad. For ING Card the payments are free of charges inside euro zone and the ATM withdrawals have a fixed charge of €4.96 + 1% of the amount withdrawn. For payments outside the euro zone, the exchange rate margin is of 1,6% and for the ATM withdrawals is a fixed charge of €4.96 + 1% of the amount withdrawn (+ Exchange rate margin of 1,6%).

Advantages:
  • Insurance
  • Purchase protection
  • Pay back in installments
Not available

Carrefour Finance Visa Gold

Carrefour Finance Visa Gold

Rating

Card limit:

0 euros

Costs:

36 euros/year

APRC:

12.12%
  • the possibility of paying like with a bank card, free credit until the end of the month or credit
  • pay in 3 or 12 instalments (TDP 9.9%) your purchases from 300 euro to all euro-zone traders
  • Carrefour Bonus Card integrated: only one card to make your purchases and accumulate your loyalty points
  • pay in 3 or 12 instalments (TDP 0%) your purchases from 75 euro in your Carrefour hypermarket, without fees or interest
  • up to 10% on everyday purchases in your Carrefour hypermarket
  • Visa Days: every Thursday, receive 5 euro per 100 euro purchase in your Carrefour hypermarket
  • 10% discount on all car rentals at Europcar
  • the Gold travel insurance covers: medical expenses up to € 150,000, search and rescue costs, death expenses (plus assistance with the formalities), repatriation to Belgium, early return, psychological support, legal expenses abroad, loss and theft of documents, credit cards, luggage, transport tickets or keys, sending essential medicines, language assistance, delays or cancellation of flight
  • the Gold travel insurance abroad which includes: delay or cancellation of flight, loss or delay of luggage, death, travel cancellation insurance up to 7500 euro
  • all your purchases between 50 € and 3000 euro carried out abroad are insured against theft and accidental damage
Advantages:
  • Insurance
  • Fidelity bonus
  • Discounts
  • Contactless
Not available

Argenta MasterCard Gold

Argenta MasterCard Gold

Rating

Card limit:

5000 euros

Costs:

40 euros/year
  • travel insurance: trip cancellation, travel accident and travel assistance
  • insurance fraud (protection against card fraud)
  • insurance against theft at a cash withdrawal
  • purchases insurance: buying protection, guaranteed delivery of online shopping, ticket cancellation and extended warranty

The Mastercard Gold premium credit card from Argenta Bank comes with a spending limit of 5000 euro per month, the cost of the card is 40 euros per year.

Payments made with Mastercard credit card from Argenta are free inside the euro zone. Mastercard Gold from Argenta offers an attractive package of insurances: trip cancellation, travel accident, and travel assistance, insurance fraud (protection against card fraud); insurance against theft at a cash withdrawal.

Advantages:
  • Insurance
Not available

BNP Paribas Fortis MasterCard Gold

BNP Paribas Fortis MasterCard Gold

Rating

Card limit:

5000 euros

Costs:

46 euros/year

APRC:

10.00%
  • Trip cancellation insurance
  • Purchase protection (including online purchases)
  • Fraud insurance
  • Avis Preferred Club
  • Hertz Gold Plus Reward
  • Épargnez & Cueillez
  • The monthly reimbursement is made via direct debit and is minimum 5.60% of the amount due, with a minimum of 25 EUR (unless you have less than 25 EUR to refund).

Mastercard Gold credit card by BNP Paribas Fortis bank offers a comprehensive package of insurance policies like trip cancellation, online shopping, and fraudulent use.

By using your Mastercard Gold by BNP Paribas Fortis bank, you can enjoy of exclusive partnerships like free membership of Avis Preferred Club; participation in the Hertz Gold Plus Reward.

Mastercard Gold has amazing offers in the biggest cities of the world thanks to the Priceless Cities Program.

Mastercard Gold credit card comes with a generous spending limit which starts from 5000 euro.

Advantages:
  • Insurance
  • Best deals
  • Fidelity bonus
Not available

Fintro Mastercard Gold

Fintro Mastercard Gold

Rating

Card limit:

5000 euros

Costs:

46 euros/year

APRC:

10.00%
  • Make your payments in complete safety
  • Benefit from four comprehensive insurances: trip cancellation insurance, purchasing insurance, purchasing insurance on the Internet, fraudulent use insurance
  • Free registration with Avis Preferred Club
  • Take part in Hertz Gold Plus Reward
  • Exclusive offers in the biggest cities of the world thanks to the program Priceless Cities
Advantages:
  • Best deals
  • Insurance
  • Pay back in installments
Not available

ING Mastercard Gold

ING Mastercard Gold

Rating

Card limit:

5000 euros

Costs:

48 euros/year
  • Purchase guarantee insurance up to 8,000 euro per year
  • Insurance for online purchases up to 1,250 euro per year
  • Extended manufacturer warranty
  • Trip cancellation insurance
  • Travel accident insurance up to 230,000 euro per trip
  • Card fraud insurance

More comfort, more security, more credit, more freedom. With the ING Mastercard Gold premium credit card, you benefit from a spending limit of 5000 euro.The annual subscription for the credit card is only 40 euro. Monthly repayments of your expenses are automatically deducted from your ING current account linked to your ING MasterCard Gold.

With the ING Mastercard Gold card, you benefit from a cancellation insurance for your trips and a complete coverage to protect your purchases

Your purchases on the Internet are even more secure thanks to MasterCard SecureCode protection systems.

Advantages:
  • Insurance
  • Purchase protection
Not available

Keytrade Visa Gold

Keytrade Visa Gold

Rating

Card limit:

5000 euros

Costs:

50 euros/year
  • Take advantage of the special offers with the "Epargnez & Cueillez" programme
  • Trip annulation and cancellation insurance
  • Extended warranty insurance
  • Safe online insurance
  • Travel assistance

With VISA Gold from Keytrade Bank, you can take advantage of the special offers with the "Epargnez & Cueillez" program and the card is accepted by over 30 million merchants worldwide.

With Visa Gold from Keytrade Bank, the withdrawal of money is possible from ATMs worldwide.

You can pat the due amounts at the beginning of the next month and you have an online monthly statement for your transactions.

With VISA Gold from Keytrade Bank, you have additional insurance packages like, trip annulation and cancellation insurance, extended warranty insurance, safe online insurance, travel assistance.

The monthly limit for Keytrade VISA Gold premium credit card is 5000 euro per month and the annual fees are 50 euros.

Advantages:
  • Best deals
  • Insurance
Not available

Axa Bank Visa Premium Plus

Axa Bank Visa Premium Plus

Rating

Card limit:

2500 euros

Costs:

53 euros/year
  • Insurance for the purchased goods and extension of the warranty
  • Travel insurance
  • Medical and repatriation insurance
  • Accepted by millions of businesses worldwide
  • Cash withdrawals and domestic and international payments
  • Online purchases made in no time

The credit card Visa Premium Plus comes with an extended package of insurance. For only 4,40 euros per month, you can have in your pocket the comfort of payment, of a credit card accepted by millions of businesses worldwide!

The extended package of insurance offered by Visa Premium Plus by Axa Bank offers a full travel insurance, cancellation insurance, and medical assistance while traveling and repatriation.

Advantages:
  • Insurance
Not available

Belfius MasterCard Red

Belfius MasterCard Red

Rating

Card limit:

1900 euros

Costs:

54 euros/year
  • Protection of purchases against theft or damage
  • Protection of online purchases against non-delivery or non-compliance
  • No franchise charges in case of credit card fraud
  • Earn discounts for Épargnez & Cueillez in the amount of 5 euros
Advantages:
  • Insurance
  • Fidelity bonus
  • Purchase protection
Not available

Beobank Elite Travel MasterCard

Beobank Elite Travel MasterCard

Rating

Card limit:

4500 euros

Costs:

60 euros/year

APRC:

11.49%
  • 1 EUR = 1 mile
  • 8 exclusive insurances: Purchase protection, Extended warranty, International travel assistance, Travel accident insurance, Delayed and lost luggage insurance, Delayed plane or international train, Trip cancellation insurance
  • Collect miles for plane and train tickets

World Travel Mastercard credit card is also accompanied by 8 exclusive insurances: Trip Cancellation, International Travel Assistance, Travel Accident Insurance, Delay and Loss of the Baggage, Delayed Air or Delayed International Train, Missed correspondence, Extended Warranty.

With any purchase made with your credit card you receive miles as gift (1 euro spent = 1 mile. You can convert your miles into airline or train tickets for any destination of your choice.

With World Travel Mastercard by Beobank you have the freedom to pay in 22 million shops and withdraw money anywhere in the world. The card speding limit starts with 4500 euro with a annual subscription 60 euro and an effective rate of 11.49%.

Advantages:
  • Purchase protection
  • Air miles
  • Insurance
  • Pay back in installments
  • Contactless
Not available

KBC MasterCard Gold

KBC MasterCard Gold

Rating

Card limit:

5000 euros

Costs:

72 euros/year

APRC:

12.34%
  • Travel cancellation insurance included up to 6,000 euros
  • Online purchase protection for safe delivery of goods
  • Get two years warranty on certain purchases on top of the two years required by law
  • Things you buy on your card are covered for up to 90 days after purchase for theft and accidental damage.

KBC Gold Mastercard credit card has a standard spending limit of 5,000 euros a month. The KBC Gold Mastercard has a cost of 6 euros per month including a KBC Plus Account. You can pay securely where MasterCard is accepted in restaurants, hotels, online, abroad or wherever you are.

With KBC Gold Mastercard credit card you're covered for up to 6,000 euros if your holiday is unable to go ahead or you have to return home early.

The KBC Gold Mastercard has an online purchase protection. If you've bought something online and it was damaged when it arrived or is the wrong product, we'll make sure that you get your money back.

Advantages:
  • Insurance
  • Best deals
  • Purchase protection
  • Pay back in installments
  • Contactless
Not available

Beobank Flying Blue World MasterCard

Beobank Flying Blue World MasterCard

Rating

Card limit:

5500 euros

Costs:

75 euros/year

APRC:

10.49%
  • In the Flying Blue program, your Award Miles remain valid provided that you make a flight every 20 months with AIR FRANCE, KLM or their SkyTeam partners
  • A gift of 3500 miles fro the first year
  • For each euro paid with your card, you receive 1 award miles
  • 7 Exclusive Insurance: Trip cancellation insurance, International travel assistance, Travel accident insurance, Delay and loss of baggage insurance, International plane or train delay insurance and plane or train missed connection insurance, Purchase insurance and Extended warranty insurance
  • International Travel Assistance
  • Travel Accident Insurance
  • Delay and loss of luggage insurance
  • Airline delay or international train delay and missed connection insurance
  • Purchase insurance and extended warranty
  • You can pay off your balance in one go or stagger your repayments, with this flexible credit card you decide

Flying Blue World Mastercard offers a gift of 3,500 miles in the first year after the first purchase with the credit card. The annual rate of the credit card is 10.49% and the annual subscription fee is only 75 euro. The spending limit for Flying Blue World Mastercard from Beobank starts from 5500 euro.

For each euro paid with your Flying Blue World Mastercard credit card, you receive 1 Premium Mile. These Miles are transferred each month to your Flying Blue account. As a Flying Blue member, you can use your miles in many ways: by booking airfares and hotels, renting a car or booking events tickets. Your miles remain valid in the Flying Blue program only if you fly at least once every two years with AIR FRANCE, KLM or any other SkyTeam partners. Every purchase paid with your Beobank Flying Blue World Mastercard extends your Mile-Bonus balance with 2 years. If you use your card regularly, the balance of your Award Miles will be secured even if you don't travel for a certain period of time.

The Beobank Flying Blue World Mastercard comes with an exclusive package of insurances: Trip Cancellation Insurance, International Travel Assistance, Travel Accident Insurance, Delay and Loss of Baggage Insurance, Delayed Airline or International Train Insurance, and Missed correspondence, Purchase Insurance and Extended Warranty Insurance.

Advantages:
  • Air miles
  • Insurance
  • Purchase protection
  • Pay back in installments
  • Contactless
Not available

Belfius Visa Gold

Belfius Visa Gold

Rating

Card limit:

5000 euros

Costs:

76 euros/year
  • Travel assistance and accident insurance
  • Assistance to persons who reimburse you for medical expenses in case of hospitalization and guarantees you the repatriation
  • Travel accident insurance that covers permanent disability or death caused by an accident
  • Accepted in Belgium, abroad and on the internet
  • Enjoy discounts and promotions from numerous Belgian retailers
Advantages:
  • Insurance
  • Discounts
  • Hospital Allowance
Not available

Belfius MasterCard Gold

Belfius MasterCard Gold

Rating

Card limit:

2500 euros

Costs:

78 euros/year
  • Trip annulation and cancellation insurance
  • Insurance for goods bought online
  • Earn rebates Épargnez & Cueillez for 5 EUR and take advantage of promotions and benefits offered by Mastercard Premium club.

With Belfius Mastercard Gold you can pay safe and easily anywhere in Belgium, abroad and on the internet. Belfius Mastercard Gold credit card it's coming with a generous package of insurances like travel cancellation insurance and protection of purchases against theft or damage.

With Belfius Mastercard Gold you can win discounts at Épargnez & Cueillez, for 5 euro you can benefit from promotions in Mastercard Premium Club travel sector.

Belfius Mastercard Gold offers a spending limit of 2.500 euro and if you have less than 29 years old you have the first year of utilization free.

You can use your Belfius Mastercard Gold to withdraw money all over the world

Advantages:
  • Insurance
  • Best deals
Not available

KBC MasterCard Platinum

KBC MasterCard Platinum

Rating

Card limit:

7500 euros

Costs:

108 euros/year

APRC:

11.45%
  • Travel cancellation insurance included up to 10,000 euros
  • Flight delay insurance up to 150 euros/person
  • Lost baggage insurance between 250 euros and 750 euros
  • Hire car excess insurance
  • Things you buy on your card are covered for up to 90 days after purchase for theft and accidental damage.
  • Online purchase protection for safe delivery of goods
  • Cancellation insurance for your admission tickets up to 500 euro
  • Get two years warranty on certain purchases on top of the two years required by law

KBC Platinum Credit Card has a comprehensive insurance package with an excellent protection. With KBC Platinum Credit Card you get two years' warranty on certain purchases on top of the two years required by law. The spending limit of the card is 7500 euro and the monthly fees are only 9 euro including a KBC Plus Account.

If you are a frequent traveler the KBC Platinum Credit card could be ideal for you. It comes with a travel cancellation insurance cover. It also gives you flight delay, lost baggage and hires car excess cover. You can stagger repayment of what you spend on your credit card thanks to the KBC Flex Budget facility linked to your KBC Platinum Credit Card. This extra cash reserve can be repaid at your own pace. In exchange for a certain rate of interest, you choose how much you pay off every month.

Advantages:
  • Insurance
  • Warranty
  • Hospital Allowance
  • Pay back in installments
  • Contactless
Not available

Beobank Premium Flying Blue World MasterCard

Beobank Premium Flying Blue World MasterCard

Rating

Card limit:

6000 euros

Costs:

150 euros/year

APRC:

10.49%
  • More miles with the plane tickets from AIR FRANCE KLM, 1.5 miles for each euro spent on plane tickets
  • A gift of 5000 miles in the first year
  • For each euro paid with your card, you receive 1.25 award miles
  • 8 Exclusive Insurance: Trip cancellation insurance, International travel assistance, Travel accident insurance, Delay and lost baggage insurance, International plane or train delay insurance and plane or train missed connection insurance, Purchase insurance and Extended warranty insurance and Cash withdrawal protection
  • With Cash Transfer you can transfer funds to a current account

The annual rate of the credit card is 10.49% and the annual subscription fee is 150 euro. The spending limit for Premium Flying Blue World Mastercard from Beobank starts from 6000 euro.

For each euro paid with your credit card, you receive 1.25 award miles. If you buy tickets AIR FRANCE KLM, you will even get 1.5 Award miles for each euro spent. These Miles are transferred each month into your Flying Blue account. You can redeem these miles for flights or other benefits.

In the Flying Blue program, your miles remain valid only if you fly at least once every 20 months with AIR FRANCE, KLM or their SkyTeam partners.

With every purchase made with your Beobank Premium Flying Blue World Mastercard is extending the validity of your Miles-Bonus balance with 20 months. If you use your card regularly, the balance of your Award Miles will be secured even if you don't travel for a certain period of time.

The Beobank Premium Flying Blue World Mastercard comes with an exclusive package of insurances: Trip Cancellation Insurance, International Travel Assistance, Travel Accident Insurance, Delay and Loss of Baggage Insurance, Delayed Airline or International Train Insurance, and Missed correspondence, Purchase Insurance and Extended Warranty Insurance.

Advantages:
  • Air miles
  • Insurance
  • Purchase protection
  • Pay back in installments
  • Contactless
Not available

Belfius MasterCard Platinum

Belfius MasterCard Platinum

Rating

Card limit:

5000 euros

Costs:

204 euros/year
  • Extended assistance and travel insurance
  • Trip cancellation insurance
  • Insurance protection of purchases (including on the internet)
  • Travel sector discounts
  • Accepted in Belgium, abroad and on the internet
Advantages:
  • Insurance
  • Discounts
  • Fidelity bonus
  • Purchase protection
Not available

Rating

Card limit:

euros

Costs:

euros/year

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