The best loyalty cards in Belgium: earn money with your purchases

In brief
Hunting for the best Belgian loyalty card? Fnac+ powers tech-and-culture buys with a permanent 5 % discount, Carrefour Bonus Card turns every € 1,000 of groceries into € 5 cash, Delhaize SuperPlus rewards healthy choices with 10 % off Nutri-Score A/B lines, and Colruyt Xtra applies instant savings across the Colruyt Group. The bullet list below shows the estimated returns and explains how to stack points and promo codes to “earn while you spend”.

Why look at loyalty programmes?

• Hidden cashback: even 1 % means ~€ 120 a year for a household spending € 250 weekly.
• Stack effect: combine loyalty rebates + promo codes + flash deals to top 10 % real return.
• Digitisation: apps and wallets auto-activate coupons.

Loyalty programmes – estimated returns

• Fnac+

  • Annual fee: € 9.99 (year 1) then € 14.99
  • Base gain: –5 % on books
  • Boosts & codes: 10 % Member Days, promo codes –€ 5 to –€ 50, Jackpot card € 30 for € 7.99
  • Average return: 3 – 6 %

• Carrefour Bonus Card (“Bonus 59”)

  • Annual fee: Free
  • Base gain: 1 pt per € 2; 500 pts = € 5 (0.5 %)
  • Boosts & codes: personalised coupons (x2/x3), Bonusland, “Generosity Month”, Drive codes up to –€ 45
  • Average return: 0.5 – 5 %

• Delhaize SuperPlus

  • Annual fee: Free
  • Base gain: 1 pt/€; 500 pts ≈ € 5 (1 %)
  • Boosts & codes: 10 % on Nutri-Score A/B after € 99 monthly, e-Deals, Flash Deals
  • Average return: 1 – 7 %

• Colruyt Xtra

  • Annual fee: Free
  • Base gain: no points — instant discount at checkout
  • Boosts & codes: actions at OKay, Bio-Planet, Spar, Collect&Go via app
  • Average return: 2 – 4 %

Fnac+: the card for high-tech & culture

Key benefits

• 5 % permanent discount on books and partner categories.
• Free 24 h delivery on thousands of items (including Darty).
• 10 % Member Days several times a year.

How to stack points & codes

1. Combine code + card discount: promo codes stack with the –5 %.
2. Jackpot card: € 30 credit for € 7.99.
3. € 1 flash membership: returns a few times a year.

Carrefour Bonus Card: turn groceries into vouchers

• Earn 1 pt per € 2; 500 pts = € 5 voucher, usable online or in-store.
• Boosters: personalised coupons, Bonusland games, double-point events, Drive welcome codes.
• Tip: cluster big shops in a double-points week; return ~2 %.

Delhaize SuperPlus: 10 % on Nutri-Score A/B

• Automatic 10 % off Nutri-Score A/B lines after € 99 monthly spend.
• Points: 500 pts = € 5 or cinema/Decathlon vouchers.
• e-Deals & Flash Deals in the My Delhaize app.

Colruyt Xtra: one card, seven banners

• Instant discounts at Colruyt plus exclusive promos at OKay, Bio-Planet, Spar, Collect&Go.
• No points: benefit applied straight away, averaging 2 – 4 %.

5 rules to maximise your gains

1. Time your spending for double-point or 10 % days.
2. Activate every coupon in the app before scanning.
3. Stack everything: a promo code never cancels loyalty rebates.
4. Share cards within the family: Xtra and SuperPlus allow account linking.
5. Watch flash sign-ups: Fnac+ for € 1 or a Carrefour € 6 cheque for 500 pts turbo-charges ROI.

Apply these tactics and your grocery or tech budget will start paying you back, turning your best Belgian loyalty card into a real cash lever!