BNP Paribas Fortis offers a streamlined credit card lineup that suits a wide range of personal and professional needs.
From young adults just starting to build credit to frequent travellers and business owners, the cards combine global usability with tailored spending features.
With monthly billing, layered insurance, and easy integration into daily banking tools, these credit cards make everyday purchases and larger financial moves more manageable, without unnecessary complexity.
People Use These Cards: Why?
Each BNP Paribas Fortis card defers payment until the start of the next month, works online and in-store across the globe, and adds purchase protection that shields eligible items against theft or accidental damage.
Universal perks at a glance:
- Payment accepted in over 200 countries and virtually all e-commerce checkouts.
- Deferred settlement gives extra cash-flow breathing room.
- Contactless technology speeds checkout on terminals, phones, and smartwatches.
- Optional Optiline facility converts large balances into instalments.
Hello Credit Card: Built for 18- to 28-Year-Olds
Stay mobile and cost-efficient while establishing a positive credit record.
Key facts:
- Eligibility – holders of the Hello4You current account aged 18-28.
- Monthly fee – €1.13 outside a Pack Easy Guide; free for one year when bundled with Hello4You.
- Custom limit – set between €250 and a personalised ceiling that grows with your income.
- Included insurance – two covers safeguard most retail purchases and online orders.
- Instalment option – Optiline lets you spread substantial spends over several months.
Choose Hello when a tight student or starter budget needs low fees, modest limits, and basic insurance. You enjoy full Visa acceptance in Belgium without the heavier recurring cost of premium cards.
Visa Classic: Everyday Reliability
Visa Classic balances affordability with a generous ceiling, making it a practical all-rounder.
Core details:
| Feature | Specification |
| Monthly fee | €2.25 outside Pack Easy Guide |
| Standard limit | €2 500 |
| Insurance bundle | Two policies mirroring Hello protection |
| Instalments | Available through Optiline |
Ideal Use Case
Pick Visa Classic when routine travel and online shopping push past a starter card’s cap yet premium insurance feels unnecessary. The card slips into the Pack Easy Guide at no extra cost, so frequent users can avoid standalone fees.
Mastercard Gold: Premium Protection and Higher Limits
Gold raises coverage and capacity for cardholders who value extended security on significant outlays.
Highlights:
- Monthly fee – €4.25 outside the Pack Easy Guide.
- Spending limit – €5 000 standard, adjustable upon income review.
- Four-part insurance – purchase protection, extended warranty, delivery insurance, and travel inconvenience cover.
- Contactless – tap-to-pay across the Mastercard network.
- Optiline – instalments maintain liquidity after large purchases.
Best Suited To
Frequent travellers, gadget enthusiasts, or small-business owners wanting robust insurance and a sizable ceiling benefit most. The higher fee often offsets itself through claim payouts and peace of mind on big-ticket items.
Modular Packs: Easy Go and Easy Guide
Bundle daily banking and credit into one predictable subscription.
- Easy Go – core current account services, digital statements, and optional extras.
- Easy Guide – adds up to two credit cards of your choice, making Visa Classic or Mastercard Gold effectively fee-free inside the pack.
Selecting a pack eliminates piecemeal charges and lets you turn services on or off as needs change.
Seamless Contactless and Mobile Payments
Hold a BNP Paribas Fortis card within centimetres of any modern terminal to process transactions under the local contactless limit. Apple Pay, Google Pay, and wearable wallets sync instantly, removing the need to reach for plastic on quick buys.
Solutions for Entrepreneurs and Self-Employed Professionals
Business owners can link a BNP Paribas Fortis credit card to a professional account, separating company expenses from personal spending while enjoying identical global acceptance:
- Faster hotel, flight, and supplier payments in Belgium.
- Clear end-of-month statements that streamline bookkeeping.
- Optional higher limits to cover cyclical inventory or travel costs.
Step-by-Step: Ordering a Card in the Easy Banking App
Save branch time by applying digitally in minutes.
- Log into Easy Banking App on your phone.
- Tap Offers on the bottom navigation bar.
- Select Cards and choose Hello, Visa Classic, or Mastercard Gold.
- Confirm identity details and desired limit.
- Receive on-screen approval or a follow-up notification once credit analysis is complete.
Prefer a larger screen? The same flow appears in Easy Banking Web on any computer or tablet.
Legal and Compliance Snapshot
BNP Paribas Fortis issues each card as a line of credit regulated under Chapter 1, Title 4, Book VII of the Belgian Code of Economic Law. Applications require approval by Alpha Credit SA, a wholly owned subsidiary.
The bank acts as a tied agent and must assess repayment capacity before opening a credit line.
BNP Paribas Fortis in the Global Banking Landscape
Since 2009, the institution has operated under the BNP Paribas brand, servicing individuals, SMEs, and large corporates.
The wider BNP Paribas Group maintains operations in 84 countries, employs over 200 000 staff, and ranks among the world’s strongest banks by Standard & Poor’s metrics.
Such scale ensures reliable transaction processing and cross-border acceptance for every cardholder.
Choosing the Right Card for Your Needs
Select based on spending habits, desired insurance, and budget tolerance:
- First job or studies: The low-fee Hello card helps young adults build credit responsibly while staying within manageable limits. Its simple structure suits daily needs without overwhelming new users.
- General household shopping: Visa Classic offers a balanced middle ground, combining moderate fees with useful protections. It’s ideal for regular purchases, travel, and online orders that exceed starter card caps.
- High-value purchases or frequent trips: Mastercard Gold adds peace of mind with four insurance policies and a higher spending ceiling, making it a smart choice for tech buys, flight bookings, or extended stays abroad.
- Entrepreneurial expenses: Link any BNP Paribas Fortis credit card to a professional account to separate business spending, track deductible costs, and prepare for VAT reclaim with ease.
Whichever option you pick, worldwide acceptance ensures smooth payments whether you are booking accommodation in Tokyo, renting a car in Toronto, or shopping online from Sydney.
Conclusion
BNP Paribas Fortis credit cards offer practical tools for spending, budgeting, and protection across borders.
With clear tiers built around lifestyle and financial stage, each card delivers reliable features such as global acceptance, deferred billing, and built-in insurance.
From student budgets to premium needs, the range simplifies decision-making while keeping your payments secure and convenient.
