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Wouldn't it be nice if you would receive (part of) your money back for your stolen, lost or damaged items? This dream could come true with a purchase protection credit card. Through this insurance, purchases made with the credit card are insured for a certain period against loss, theft and/or damage. The period depends on the card, it can range from 90 days to a year. Imagine: 365 blissful days of protection. The compensation is in many cases limited to a certain total amount per time period or per year.

What does the purchase protection insurance credit card cover? This varies from card to card. In some cases only online or in shop purchases are protected. In other cases your coverage area is restricted to a certain country. Many purchase protection insurance policies have a certain deductible amount, for example of €25 or €50 per incident, this means that this amount is deducted from the amount that you receive for your claim. Furthermore, some purchase protection credit cards include delivery insurance in case your purchase is not or only partially delivered. Or if the delivered product is not what you ordered or you receive it damaged.

The benefits:

Don't let this luxury get the best of you. Stay alert! You have to report the damage, loss or theft soony after it happened to your credit card provider. And in case of theft or loss, you often have to report this as well to the police.

Is every type of purchase included in the purchase protection insurance? This depends on the card, not included items can be cash, traveler's checks, vehicles (land, sea and air), a coin collection, food, smoking articles, second-hand items, jewelry, animals, plants, cell phones or computers. This also can apply to items that are stolen from a vehicle.

What is included or excluded varies from card to card. The same goes for the terms and conditions: the amount, the period, the deductible etc. Therefore it is always wise to check the terms and conditions of your purchase insurance credit card (of choice).

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

Read more...

Check the list of available credit cards!

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Keytrade Visa Classic

Keytrade Visa Classic

Rating

Card limit:

1250 euros

Costs:

0 euros/year
  • FREE for the first year. This advantage will be extended every year if you have made at least 12 transactions in the previous year. If not 25 euro/year.
  • Take advantage of the special offers with the "Epargnez & Cueillez" programme
  • Ideal card for 100% secure online purchases
  • Collection of amounts due at the beginning of the next month
  • Additional "Safe Online" insurance
  • Monthly statement for your transactions available online

For the credit card VISA Classic the first year is free. If you have minimum 12 transactions per year the card is still free, if not the card fees are 25 euro. The card comes with a monthly limit of 1250 euro.

With Visa Classic from Keytrade, advantage of the special offers with the "Epargnez & Cueillez" program.

The credit card is accepted by more than 30 million merchants worldwide. Visa Classic from Keytrade is 100% secure online shopping.

Advantages:
  • Best deals
  • Purchase protection
  • Free credit cards
  • Cash reserve
Not available

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
Not available

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

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
Not available

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
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

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
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

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

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

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

Rating

Card limit:

euros

Costs:

euros/year

Rating

Card limit:

euros

Costs:

euros/year

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