which credit card suits you the best

In this post I will write you about different credit cards that you can apply for while you are living in Luxembourg.

There is BCEE Luxair Miles and More VISA Platinum.
American Express Brussels Airlines Premium or standard Blue, Green, Gold and Platinum.
And the german Lufthansa Miles and More Mastercard Blue, Gold, FTL, Senator and HON.

The most you get is from AMEX Brussels Airlines Premium.
– 1st year fee is 112,5€ as the first 3 months are waived and from 2nd year is 150€
– 6 000 Miles sign up bonus
– 5 000 Miles for being referred and you need to spend 1500€ within the first 3 months!
– 10 000 Miles bonus when spending 20 000 € per year
– 1,5M/1€
– Miles and More miles never expiring so long as you hold this card
– some insurances
In total this would be at least 51 000 Miles when you spend over 20 000€ per first year. Not bad, an with the mileage bargains you get already enough miles to spend for a business class trip to North America.
Conditions is simple, you must be living in Luxembourg or Belgium and a salary income from 25000€.
The standard fee is 150€ per year.
signup link -> HERE

//update, this offer has been changed.
Now, the first three months are waived, but you still receive your bonus miles.

The other card is AMEX Brussels Airlines Preferred.
– 1st year fee is 90€ as the first 3 months are waived and from 2nd year is 120€
– 3 000 Miles sign up bonus
– 5 000 Miles for being referred and you need to spend 1000€ within the first 3 months!
– 5 000 Miles bonus when spending 10 000 € per year
– 1,25M/1€
– Miles and More miles never expiring so long as you hold this card
– some insurances
In total this would be at least 25 500 Miles when you spend over 20 000€ per first year. I suggest this to people how are not sure if they can spend 20000€ per year with an AMEX Brussels Airlines Premium.
Conditions is simple, you must be living in Luxembourg or Belgium and a salary income from 25000€.
The standard fee is 120€ per year.
signup link -> HERE

The BCEE Luxair Miles and More Visa Platinum comes with
– 5000 Miles sign up bonus
– 95€ Luxair Voucher
– 0,5M/1€
– 3 free Lounge vouchers per year when travelling with Luxair or Luxairtours
– 2 free Fast Lane vouchers per year when travelling with Luxair or Luxairtours
– rental car accident waiver of the deductible
– load of extra insurance
The annual cost is 110€, it cannot be waived and you cannot be referred.
You should have an account with BCEE with your salary.
link -> HERE

General AMEX cards Blue, Green, Gold and Platinum
– 1MR/1€
– transfer your MR to different systems like British Airways or SAS, etc
Blue comes with 2000 extra Membership Rewards while being referred.
Update: not available to being referred
– yearly fee: 35€ / with MR: 53,5€

Green comes with 5000 extra Membership Rewards while being referred. If you spend 1000€ within the first 3 months!
– yearly fee: 65€ / with MR: 83,5€
signup link -> HERE

Gold comes with 20 000 extra Membership Rewards while being referred and the first three month fees are waived, you need to spend 1500€ within the first 3 months!
– yearly fee: 240€
– credit card in metal
– yearly 100€ dining benefit in some restaurants
– yearly 4 lounge access with priority pass
– some insurances
signup link -> HERE
If you spend 1500€ within the first 3 months!

Platinum comes with 40 000 extra Membership Rewards while being referred while you need to spend 3000€ within the first 3 months!
– yearly fee: 780€
– lot of insurances
– Priority Pass (Lounge access around 1300 lounges worldwide)
– additionally free cards, 1x Platin (with Priority Pass) + 4x Green
– yearly 300€ dining benefit
– Gold status in 4 Hotel programs: Hilton, Marriott, Melia and Radisson
– some other hotel benefits if available
– fast lane in Bruxelles
– lounge access for Business Premier while travelling with Eurostar
signup link -> HERE
If you spend 3000€ within the first 3 months!

Last but not least the german Lufthansa Miles and More Mastercard (cannot be apply for)
The prices are ok, but mostly you earn only 0,5M/1€. This ratio is the lowest of all the cards.

Credit card chart, which shows you where the points/miles will be transferred or could be transfer to an other airline/hotel program

You can find further information which credit credit suits you the best in this post and this post where AMEX cards are accepted in Luxembourg

Table of information:

Conclusion:
If you are collection Miles&More miles and you want to achieve enough miles for a bargain C ticket within the first year, then go for AMEX Brussels Airlines Premium.
If you would like to pay everywhere with you card, then you should get the BCEE Luxair MilesMore Gold Mastercard.
If you would like to know about AMEX, but the year fee is too high for you, then you should get the Blue card.
When you traveling a lot, but you are flying with different operators, then think about to get the AMEX Platinum card as it comes with Priority Pass.

There are a lot of shops offline and online where you can purchase with AMEX.

edit: updated 02/11/2022
platinum referral increased to 40,000 MR
Gold comes with metal card and new benefits

updated pictures and chart has been added
21/04/2022