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With certain credit cards you will have the option to pay your credit card expenses in installments. Pay back in installments, what does this entail? Paying in installments means repaying short-term loans in installments at a predetermined interest rate. A fixed amount or percentage of the outstanding debt is collected monthly. You, for example, have spent €500 with your credit card, which you can't or you don't want to pay back at once. A pay back in installments credit card then offers you the possibility to pay back this amount over a certain amount of months. For example, you will spread your €500 over 10 months, paying €50 per month plus the interest. It's a form of a loan for which you have to pay a certain interest on the outstanding amount. The specific rules and regulations differ from bank to bank to credit card provider, but they often require a minimum percentage that should be paid back monthly.

What are the benefits of having a credit card with pay back in installments options?

But let's be honest, paying back in installments is not all sunshine and rainbows. You always have to be careful with spending more than you can afford. Paying back in installments can be convenient, but it should be an exception. Paying everything at once is always the better option, as you don't pay the interests. Being debt free should have the preference. However, if you need to make a large expenditure and you are not able to do this at once, but you will be able to pay it back over some months, then the pay back in installments credit card can be a great option.

Spend wisely, this way you will benefit more from your credit card.

What are the best pay back in installments credit cards in Belgium? Read on to discover the great protection that several credit cards will offer you.

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Beobank Visa Classic

Beobank Visa Classic

Rating

Card limit:

2200 euros

Costs:

5 euros/year

APRC:

11.49%
  • 2 exclusive insurances: Purchase protection and Safe online
  • Cash Transfer allows you to transfer money to your current account
  • 5 euro gift in the first year

Beobank credit card Visa Classic offers automatically a Purchase Insurance and the credit opening is 2200 euro. The annual subscription fee is 5 euro and the annual effective rate is 11.49%.

After the first purchase with your credit card, you will receive a 5 euro gift from Visa Classic.

Advantages:
  • Discounts
  • Purchase protection
  • Pay back in installments
  • Contactless
Apply now

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
Apply now

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
Apply now

Beobank Neckermann World MasterCard

Beobank Neckermann World MasterCard

Rating

Card limit:

2750 euros

Costs:

5 euros/year

APRC:

11.49%
  • Up to 250 euro discount on your next holiday in Neckermann
  • 5 euro bonus every year
  • Cash Transfer allows you to transfer money to a current account
  • 4 exclusive insurances: Purchase Insurance, Best Price Insurance, Extended Warranty and Money Withdrawal Protection

With Neckermann World Mastercard from Beobank, you can save up to 250 euro per year on your next holiday in Neckermann. For each euro spent at Neckermann you receive 1 point. On all your other purchases made in Belgium or abroad you receive 1 Neckermann point for each 2 euro spent with your Neckermann World Mastercard.

2,500 Neckermann points come automatically with 25 euro discount on your next holiday Neckermann.

If you decide to choose the Neckermann World Mastercard you are not forced to open a current account at Beobank.

The annual rate of the credit card is 11.49% and the annual subscription fee is only 5 euro. The spending limit for Neckermann World Mastercard from Beobank starts from 2750 euro.

Advantages:
  • Purchase protection
  • Best deals
  • Fidelity bonus
  • Pay back in installments
  • Contactless
Apply now

Beobank Young MasterCard

Beobank Young MasterCard

Rating

Card limit:

750 euros

Costs:

5 euros/year

APRC:

13.49%
  • 2 exclusive insurances: Purchase protection and Safe online
  • 5 EUR bonus in the first year
  • Accepted all over the world

Beobank MasterCard Student offers an attractive credit limit of 750 euro and an exclusive insurance for purchases. For the first year you can enjoy of 5 euro offered as gift by Beobank MasterCard Student and you can track your expenses in real time via Beobank Online and Beobank Mobile.

The annual rate of the credit card is 13.49% and the annual subscription fee is only 5 euro.

Advantages:
  • Purchase protection
  • Student card
  • Pay back in installments
  • Contactless
Apply now

Cofidis MasterCard

Cofidis MasterCard

Rating

Card limit:

2500 euros

Costs:

5 euros/year

APRC:

12.50%
  • Free withdraw money in Belgium and abroad!
  • Refunds at your own pace
  • A contribution of 5 euros per year

MasterCard by Cofidis is offering free withdrawals in Belgium and abroad. The credit card has an annual subscription of only 5 euro per year, one of the lowest fees on the market! The spending limit for MasterCard by Cofidis starts from 1250 euro.

MasterCard by Cofidis has a 3D Secure Technology installed on your card offering you an enhanced protection when you are shopping online.

You can manage your credit online by tracking your day-to-day expenses.

Advantages:
  • Free withdrawal
  • Pay back in installments
  • Contactless
Apply now

Cofidis MasterCard Gold

Cofidis MasterCard Gold

Rating

Card limit:

10000 euros

Costs:

5 euros/year

APRC:

12.50%
  • Travel insurance (accident, lost luggage, delayed flight)
  • Assistance insurance (hospitalisation, repatriation)
  • Purchase protection (including online purchases)
  • No need to change your bank
  • Reimbursements adapted to your budget

The new Mastercard Gold by Cofidis offers only exclusive services. The spending limit for this premium credit card is up to 10.000 euro and has a generous insurance package for your trips and purchases. Travel safely with travel insurance (accident, delayed departure, loss of luggage). Pay securely for your purchases on the Internet or in any stores with your dedicated insurances.

With Mastercard Gold by Cofidis, you can withdraw up to 1000 euro per day anywhere in the world.

The costs with the credit card are only 5 euro per year.

Now you can pay quickly and securely in Belgium and abroad without having any transaction fees on the Internet.

If choose the Mastercard Gold by Cofidis you don't need to open a current account to get your credit card and is coming with a credit line.

With Mastercard Gold by Cofidis, you can track all your expenses online. On your smartphone, tablet or computer you can check your account wherever and whenever you want, 24/7.

Mastercard Gold by Cofidis is offering you the choice between 3 or 4 types of reimbursements depending on the amount of your credit.

Advantages:
  • Insurance
  • Purchase protection
  • Pay back in installments
  • Contactless
Apply now

Beobank Extra MasterCard

Beobank Extra MasterCard

Rating

Card limit:

2400 euros

Costs:

20 euros/year

APRC:

11.49%
  • 1% cashback on all your purchases
  • 3 exclusive insurances: Purchase protection, Safe online and Prolonged warranty
  • Accepted all over the world

Mastercard Extra from Beobank has a spending limit of 2400 euro. With Mastercard Extra you benefit from an exclusive Purchase Insurance. The annual rate of the credit card is 11.49% and the annual subscription fee is only 20 euro.

Until 21/12/2021, you will receive a 20 euro as gift after the 1st purchase made with your card.

Advantages:
  • Purchase protection
  • Pay back in installments
  • Contactless
  • Discounts
Apply now

Beobank Visa Extra

Beobank Visa Extra

Rating

Card limit:

2400 euros

Costs:

20 euros/year

APRC:

11.49%
  • 1% cashback on all your purchases
  • 3 exclusive insurances: Purchase protection, Safe online and Prolonged warranty
  • Accepted all over the world

Visa Extra from Beobank has a spending limit of 2400 euro. With Visa Extra you benefit from an exclusive Purchase Insurance. The annual rate of the credit card is 11.49% and the annual subscription fee is only 20 euro.

Until 21/12/2021, you will receive a 20 euro as gift after the 1st purchase made with your card.

Advantages:
  • Best deals
  • Discounts
  • Pay back in installments
  • Contactless
Apply now

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
Apply now

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
Apply now

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
Apply now

Buy Way Mastercard

Buy Way Mastercard

Rating

Card limit:

1250 euros

Costs:

0 euros/year

APRC:

14.50%
  • Transfer money from your credit card to your current account
  • Possibility to pay back in monthly installments
  • Pay in more than 36 million stores in Belgium and abroad or over the internet
Advantages:
  • Free credit cards
  • Cash reserve
  • Pay back in installments
Not available

CBC Mastercard Silver

CBC Mastercard Silver

Rating

Card limit:

2500 euros

Costs:

22 euros/year
  • Take advantage of the special offers with the "Epargnez & Cueillez" programme
  • Purchase protection insurance and extended warranty
  • Pay your credit card expenses in installments
  • Shop online, make travel reservations and buy airplane tickets
Advantages:
  • Pay back in installments
Not available

KBC Visa

KBC Visa

Rating

Card limit:

2500 euros

Costs:

22 euros/year

APRC:

12.44%
  • 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 Silver (Flex) Credit Card offers a 2 years' additional warranty on your purchases on top of the statutory minimum and a 90-day purchases protection. Things you buy on your card are covered for up to 90 days after purchase for theft and accidental damage. If you pay just three euros per month for both your card and the KBC Plus Account.

The Silver Credit Card has a standard spending limit of 2,500 euros, making it suitable for occasional use. It makes it easy to book a holiday, shop online or finance purchases of up to 2,500 euros.

Advantages:
  • Warranty
  • Pay back in installments
  • Contactless
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

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

CBC Mastercard Globe

CBC Mastercard Globe

Rating

Card limit:

5000 euros

Costs:

49 euros/year
  • Travel cancellation insurance included up to 6.000 euros
  • Flight delay insurance up to 150 euros/person
  • Lost baggage insurance between 250 euros and 500 euros
  • Accidents while travelling insurance up to 280.000
  • 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
  • Get two years warranty on certain purchases on top of the two years required by law
Advantages:
  • Pay back in installments
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

CBC Mastercard Platinum

CBC Mastercard Platinum

Rating

Card limit:

7500 euros

Costs:

88 euros/year
  • Travel cancellation insurance included up to 10.000 euros
  • Flight delay insurance up to 150 euros/person
  • Lost baggage insurance between 250 euros and 500 euros
  • Accidents while travelling insurance up to 280.000
  • 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
  • Get two years warranty on certain purchases on top of the two years required by law
Advantages:
  • Pay back in installments
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

Rating

Card limit:

euros

Costs:

euros/year

Rating

Card limit:

euros

Costs:

euros/year

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