After trying to apply online for 3 times and getting a generic refusal message with no specific reason, I went to the bank branch to ask. An the beginning, the employee himself didn't understand why my application is refused as I am meeting all the required criteria. After some calls with his colleagues, he told me it's because of my "nationality" and that is the policy in Belgium!
Such a shame. I can't believe they discriminate me just because of my origin. Is that really the policy in Belgium? I have enough funds in my account and my wages transferred to their bank for 2 years etc...
Are there other options? Should I try other banks? Although I prefer to link my credit card with my current account. All I need is a card with VISA or Mastercard to use it online.