Best credit card in Luxembourg 2024

It depends as always on your needs and goals.
How important are acceptance, perks and cashbacks or is the main interest to earn points and miles.

Few things have changed, American Express discontinued their Brussels cards and Revolut launched some perk including collecting points.

So, lets start:

As usual BCEE Miles&More Luxair VISA Platinum is fair.
It costs 140€ per year (with Zebra Premium account, if not 230€)
– 95€ Luxair voucher
– 5000 welcome miles
– miles do not expire
– 1 Euro => 0,5 mile
– yearly 3x lounge access vouchers, when flying with Luxair or Luxairtours
– yearly 2x fast lane access vouchers, when flying with Luxair or Luxairtours
– good insurances

BCEE VISA Infinite
it costs 350€ per year
– unlimited lounge access with Lounge Key +1 Guest for free!
– concierge service
– exclusive events
– very good insurances
difficult to get the card and no possibility to earn miles or points

BIL VISA Platinum and Infinite
Platinum 204€ – Infinite 420€
– for Platinum 2x lounge vouchers are included – Infinite unlimited lounge access with Lounge Key
– very good insurances
possibility to get lounge access but compared with BCEE and Amex not really worth it.

Lets see American Express now as they have updated their perks for Gold and Platinum. Membership Reward points can be transferrd to different hotels and airline programs.

AMEX Blue is entry level, but no perks and no welcome or referral points, no insurance and it costs 53,5€ per year.
– 1 Euro => 1 MR

AMEX Green is basic level, but has no perks and no welcome points, it comes with decent 3000 referral points, basic insurance and it costs 83,5€ per year.
– 1 Euro => 1 MR

Now it´s getting interresting.

AMEX Gold
it costs 240€ per year
– yearly 4x lounge access with Priority Pass
– yearly 2×50€ restaurant reimbursement in selected restaurants in BeNeLux
– yearly 36€ Amazon Prime (Belgium) reimbursement (subscription or on demand video)
– 6 000 membership reward points for being referred, sometimes even more!
no current promotion
– 1 Euro => 1 MR
– 4 Green partner cards included for free
– good insurances
I value the lounge vouchers in 100€ total at least with 25€/lounge access. If you are lucky you could benefit in expensiv lounges where the entry could cost around 50€. This would mean you get benefit of 236€, so “technically” you will pay 4€ for a metal gold card with good insurances. This is nobrainer for starting to earn AMEX Membership Reward points.
I would suggest this card if you would like start earning membership reward points instead of Green or Blue card.

AMEX Platinum
it costs 780€ per year
– unlimited lounge access with Priority Pass +1 Platinum card for your parnter which also come with Priority Pass and both could bring +1 guest in the lounge!
As well access to Lufthansa Lounges while flying with Lufthansa, Austrian and Swiss, no guests
+ Eurostar lounges!
– yearly 2×150€ restaurant reimbursement in selected restaurants in BeLux and other countries
– 12 000 membership reward points for being referred, sometimes even more!
(no current promotion)
– 1 Euro => 1 MR
– fast lane access in different airports, (in Brussels Zavantem and some others)
– 1x Platinum and 4x Green partner cards for free
– gold status in different hotel programs (Hilton, Marriott, Melia and Radisson)
– status in car rentals programs (Hertz Gold Plus and AVIS Preferred)
– very good insurances
– Fine Hotels & Resorts, upgrades, +-100$ dining and beverage vouchers per stay, sometimes 3rd or 4th night for free or even free breakfast, of course upon availibility
– The Hotel Collection, upgrades and +-100$ vouchers for spa, dining or other upon availibilty (Hyatt, Hilton, Loews and Kimpton hotels)

As you see, there is planty of benefits, of course this card make only sense if you travel few times a year, visit the lounges and use all the 300€ from dining benefit. You can also check hotel maybe amex offers a bit better with free breakfast and 100$ voucher.

Revolut debit cards
Revolut has launched some nice perks, lounge access, RevPoints, saving accounts with high interets.

• Revpoints can be transferred 1:1 to Flying Blue (Air France, KLM) or to Avios, British Airways Executive Club, Iberia, Aer Lingus. How you can earn Revpoints, you can find more details in this post.
• You can also purchase lounge access, depends on your plan, it could cost 35€ or 25€ or even unlimited with the Ultra plan.
• % is high and they paying daily interest, depending on your plan.
  

American Express has discontinued the Brussels Airlines Premium and Preferred cards. There is a switch and cardholders could get even 3 MR points per 1€ spend with a MR Booster option. This option is only for actual cardholders.
So I would recommand to use this switch to get 3 MR per 1€, at least to get a Gold card.

I still recommand the curve free card as a proxy card, to duplicate your VISA/Mastercard cards.

Other cards
N26, Naga, myTU, Skrill, Crypto.com, Trade Republic
The most of these cards are free of use or small fees apply, some come with perks…
N26 and Trade Republic are possible to connect to Google Pay/Wallet
You can use them as small amounts on the cards while you are away or just pay few thing with goolge pay.
I mostly use this card abroad Lux or with curve as you can pay with Google Pay.
Trade Republic has a high interest around 3,78%, and they pay it monthly!

Summary:

If you are collecting for Miles and More, then you have 3 cards in option.
What is important for you?
Acceptance and Luxair vouchers?
Then sign up for BCEE Miles&More VISA Luxair Platinum and your miles are not expiring.
You can also sign up for AMEX Gold or Platinum and transfer 2:1 to Miles&More, but these Miles are expiring!
And you are not limited to Miles&More, you can also transfer to BAEC, FlyingBlue, Delta, Etihad, Emirates.

If you are just starting the miles and points games, then sign up for AMEX Gold as it comes with few perks. Of course you can later upgrade to Platinum, but wait for an upgrade promotion around 50k Membership Reward points or even more! Or if you wish, you can even downgrade to Green.

If you are travelling few times a year, can benefit from the hotel status, car rentals, FHR and dining benefit as top, then sign up for AMEX Platinum.

You do not want to collect miles and points, but you would like to have lounge access and you can efford it, then sign up for BCEE VISA Infinite card or Revolut. Even with the free plan you can purchase lounge access.

As already mentioned, is good to have at least one backup card, especially if you have an AMEX card, as AMEX is not accepted everywhere.
For me the curve is a must! Of course you can have additionally Revolut or Trade Republic or other cards.

If you are BCEE Zebra account holder, then you can also benefit from their VISA Premier card at 0€ instead of their VISA Classic card as it has good insurances!

!Please do not buy products that you don´t need and pay the credit cards always in full so you don´t go in debts.