Beobank Credit Cards with Cashback are a wise choice for those who want to save money while spending on daily essentials.
These cards offer clear rewards, low fees, and flexible options tailored to your lifestyle.
Start comparing Beobank Credit Cards with Cashback today and apply online to make your purchases more rewarding.
Overview of Beobank Cashback Credit Cards
Beobank Cashback Credit Cards offer you money back on everyday purchases, including groceries, fuel, and online shopping.
They come with low fees, simple conditions, and options suited for different spending habits.
Key Features of Beobank Cashback Cards
The cards come with benefits that are easy to understand and use. Here are the main features that make these cards practical for everyday spending:
- Cashback on Purchases: Earn a fixed percentage back on eligible expenditures like groceries, fuel, and online shopping.
- Monthly Cashback Limits: Cashback is capped monthly to help you track and manage rewards without overspending.
- Low or No Annual Fees: Some cards have no annual fee, while others charge a small monthly fee in exchange for added benefits.
- Secure and Mobile-Friendly: Supports contactless payments, mobile wallets, and real-time tracking through the Beobank app.
- Additional Perks: Enjoy extras like purchase protection, online account management, and access to customer service in French or Dutch.
Popular Beobank Cashback Cards
Beobank offers clear, rewarding cashback cards that fit everyday needs.
Both provide reliable returns, insurance perks, and straightforward fees—now with clearly stated interest rates.
Beobank Visa Extra
Great for general use with full insurance coverage.
- Cashback: 1 % on all purchases, up to €100/year
- Annual fee: €20/year
- Effective APR (APRC): 14.49 % variable (12.89 % actuarial debit rate)
- Credit limit: ~€2,400–€2,700
- Insurance: Purchase protection, extended warranty, Safe Online
Beobank Extra Mastercard
Includes the same cashback and protection in a Mastercard format.
- Cashback: 1 % on all purchases, up to €100/year
- Annual fee: €20/year
- Effective APR: 11.49 %
- Credit limit: ~€2,400
- Insurance: Same 3 coverage options as Visa version
Both cards offer dependable 1 % cashback and solid insurance packages.
Choose Visa for a standard APRC of 14.49%, or Mastercard if you prefer a slightly lower rate of 11.49 %.
Eligibility Requirements
Before applying, ensure you meet the following basic requirements. Beobank checks all of these to ensure you meet the qualification requirements.
- Age and residency: You must be at least 18 years old and a resident of Belgium.
- Belgian bank account: You need an active Beobank current account or another Belgian bank account.
- Stable income: Provide proof of regular income, such as pay slips, pension, or business revenue.
- Creditworthiness: Beobank will perform a credit check to assess financial reliability.
- Identity documents: A valid Belgian ID card or passport, plus proof of address (e.g., utility bill).
How to Apply
Applying is quick and straightforward. Just follow these steps to get started:
- Choose your card: Select between the Visa Extra or Mastercard Extra based on your needs.
- Apply online: Visit the Beobank website and fill in the application form under “Credit Cards.”
- Upload required documents: Provide proof of identity, address, income details, and bank account information.
- Submit the application: Send in the completed form and wait for confirmation.
- Credit check & approval: Beobank reviews your application. You may get a decision within a few business days.
- Card delivery: Approved applicants receive their card by mail, usually within 7–10 working days.
- Activate your card: Use the Beobank mobile app or online banking to securely activate your card.
Things to Consider Before Applying
Before you apply, take a moment to evaluate these factors to make a smart choice:
- Your spending habits: Make sure your routine purchases (groceries, fuel, online shopping) align with the cashback categories.
- Cashback limits: Check the annual or monthly cashback caps to ensure you won’t exceed them without overspending.
- Annual fees vs. rewards: A €20 fee needs to be justified by your cashback gains—calculate if your spending covers it.
- Interest rates: If you carry a balance, the APRC of 14.49% (Visa) or 14.49% (Mastercard) could outweigh cashback benefits.
- Payment discipline: Plan to pay your balance in full each month to avoid interest charges.
- Additional perks value: Evaluate whether included features, such as purchase protection or Safe Online, matter to you.
- Eligibility certainty: Be realistic about your income, credit history, and ensure you meet Beobank's approval criteria.
Mobile App and Online Banking
Beobank’s digital tools help you manage your cashback card easily, anytime, anywhere.
With the mobile app and online banking, you can stay on top of your spending, payments, and rewards.
- Track Your Spending: View all transactions in real time, categorized by type and merchant.
- Monitor Cashback Earnings: See how much cashback you’ve earned each month and when it will be credited.
- Manage Card Settings: Change your PIN, set spending limits, and instantly block or unblock your card.
- Set Alerts and Notifications: Get notified about payment due dates, suspicious activity, or cashback milestones.
- Download Statements and Pay Online: Access monthly statements, download PDFs, and pay your balance securely through the app or desktop.
FAQs
Here are answers to common questions about Beobank Cashback Credit Cards. These cover extra details not yet discussed in this article.
- Can I have more than one Beobank credit card?
Yes, you can hold multiple Beobank cards if approved; however, your total credit limit will be divided among them.
- How is cashback credited?
Cashback is automatically deducted from your next credit card statement once the threshold is met—no manual redemption is required.
- Is there a minimum spend to earn cashback?
No minimum monthly spend is required, but small purchases below €5 may not always qualify.
- Can I use the card outside Belgium?
Yes, the card works internationally wherever Visa or Mastercard is accepted, but foreign exchange fees apply (usually around 1.5% to 2%).
- What happens if I miss a payment?
Late payments may incur a fee of approximately €10, plus interest from the due date. Your credit score may also be affected.
- Does cashback expire?
Cashback earned must typically be used within 12 months, or it may be forfeited if the account is closed or inactive.
- Can I switch from Visa to Mastercard or vice versa later?
Yes, but you will need to submit a new application. The bank may reassess your eligibility.
- Are balance transfers possible?
Beobank does not promote balance transfers with cashback cards, but you can inquire at a local branch for case-specific options.
Customer & Mobile App Support
Here’s how you can reach Beobank for queries related to cashback credit cards, mobile app support, or general banking services:
- Call the Beobank Service Center at +32 2 622 20 00, Monday–Friday from 8 a.m. to 8 p.m., and Saturdays from 9 a.m. to 12:30 p.m.
- Lost or Stolen Card (Card Stop):
- Contact +32 78 170 170 (24/7) or call the primary Service Center during business hours.
Email Addresses:
- Customer service: beobankservicecenter@beobank.be
- General inquiries: contactinfo@beobank.be
Website & Online Help:
- Visit their website or use the online help center for FAQs and access live support.
Head Office Address:
- Beobank NV/SA, Koning Albert II‑laan 2 (Bd du Roi Albert II 2), 1000 Brussels, Belgium
Use the above contacts for applying, managing your card, or resolving any issues.
To Wrap Up
Beobank Credit Cards with Cashback offer simple rewards, solid protection, and flexible options for everyday spending.
Whether you prefer Visa or Mastercard, both cards help you earn while you shop.
Apply online today and start earning cash back on the purchases you already make.
Disclaimer
Information provided in this article is for general guidance only and may change based on Beobank’s terms and conditions.
Always review the official Beobank website or contact their customer service for the most up-to-date information before applying.
