Borrowing money

MasterCard Gold

Higher spending limit and greater protection with MasterCard Gold MasterCard Gold

What is MasterCard Gold?

MasterCard Gold is a credit card with a higher spending limit (EUR 5,000 as standard). When you make purchases or withdraw money with MasterCard Gold, the amount is debited from your account on one fixed day in the month. The card is accepted by millions of outlets worldwide and on the internet.

Advantages of this credit card

Mastercard Gold is accepted in millions of shops, hotels, restaurants, etc., worldwide and on the internet. You can also use it to withdraw money worldwide at any ATM displaying the Mastercard logo.

All your payments and cash withdrawals with your credit card are balanced on one fixed day in the month. The amount will not be debited from your account until nine calendar days later. This will give you deferred payment terms free of charge.

Every month, your credit card spending will leave your account in one go as standard. Would you prefer to repay at your own pace? Then find out about the 'spread repayments' credit facility in branch.

Every month you will receive a clear statement of all the transactions you have made with Mastercard Gold. In addition you can keep an eye on your credit card transactions on a daily basis via PC banking.

As a MasterCard holder, you can take advantage of lots of benefits: exclusive offers and big city experiences in places like London or Paris, thanks to the Priceless Cities programme, and discounts on services from Thalys, Avis and Hertz. What's more, the Gold card comes with an interesting selection of four types of insurance, including fantastic cover if you ever have a trip cancelled.


Find out more about MasterCard Gold

Insurance that covers you in the event of illness, accident, death or serious material damage.

The Purchase Guarantee Insurance covers your shopping purchases against theft or accidental damage for up to 120 days.

Online purchases (except second-hand) are insured for up to 90 days against non-delivery, delivery error or non-conformity of goods, thanks to the Online Purchase Guarantee Insurance.

Finally, the Card Fraud Insurance protects you against misuse if your card is lost or stolen.


Take a look at  the convenient summary of all the insurance policies included with the BNP Paribas Fortis credit cards. 

  • 50% off at Thalys if you book your trip using your MasterCard Gold. Book your trip now! Ask for your Thalys TheCard to take advantage of their loyalty programme and lots of other benefits like exclusive offers, free tickets and Miles gifts, etc.
  • Become a member of the Avis Preferred Club and take advantage of discounts and benefits: up to 35% off the cost of rental, less complicated paperwork and priority service...  Register here.
  • Join Hertz Gold Plus Rewards and enjoy the benefits: priority counters in over 1,000 branches worldwide, direct vehicle access without going to a counter in more than 60 of the world's busiest airports, reserved parking and more…  Register here.
  • Thanks to the Mastercard Priceless Cities programme, you can have some unforgettable experiences in big cities like London, Paris and New York...
  • With the Épargnez et Cueillez loyalty programme, you will receive a point for every €25 transaction made using your credit card. This applies to any payment or withdrawal in Belgium or abroad. For every five points saved, you get a €5 Épargnez & Cueillez gift voucher.

With your Mastercard Gold you spend up to EUR 5,000 EUR a month as standard. giving you more financial freedom. If you would prefer a lower spending limit, that can always be arranged. You can talk to your branch about getting your limit amended temporarily or even permanently.

For each payment or cash withdrawal of at least €25, you receive one Épargnez & Cueillez point. And if you save five points, you get a €5 voucher that can be used in any of our partner companies sent to you in the post. So you get back the price you paid for your card in no time at all... More information about Épargnez & Cueillez can be found here: popup

Most incidents of credit card fraud occur in the US. That's why we automatically block your card from being used there. Are you going to the US or are you planning on taking a cruise with an American company or renting a car? Then maybe you should think about activating your card...



Are you traveling to the US? Limitations concerning your credit card.


Activate online



  • The standard fee for MasterCard Gold is EUR 46 a year.
  • If you have a Premium Pack, the card is included in your monthly fee.
  • Payments (in euros) with your credit card are free, cash withdrawals from ATMs are not. All transactions in foreign currency will incur exchange rate charges. All the details can be found in our price list (pdf).

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Legal information

MasterCard Gold

This offer is valid subject to acceptance of your application.


Type of credit: credit facility. Subject to the approval of your application by AlphaCredit SA/NV, the lender, Rue Ravenstein/Ravensteinstraat 60, B-1000 Brussels, Brussels Register of Companies, VAT BE 0445.781.316, a subsidiary of BNP Paribas Fortis SA/NV. Credit agent: BNP Paribas Fortis SA/NV, Montagne du Parc/Warandeberg 3, B-1000 Brussels, Brussels Register of Companies, VAT BE0403.199.702. 



General Terms and Conditions (pdf)Gold Card insurance: for payments done from 1/01/2015 (pdf)Gold Card insurance: claim form(pdf)
General Terms and Conditions for 'spread repayments' credit facility (pdf)Gold Card insurance: for payments done until 31/12/2014 (pdf)Find out more about MasterCard 


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