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KBC Bank Credit card
KBC Credit Card
No rewards
MASTERCARD
Apply for KBC Credit Card

On KBC Bank's secure site

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Credit card KBC Bank Mastercard

Card review

KBC Credit Card

4.3 4.3 out of 5 8.6/10 DebitCue Score Verified

Free worldwide Mastercard credit card with flexible optional protection packages

Fee
No fee
Free with KBC Basic Account or KBC Plus Account. Optional add-on packages carry their own monthly fees: Shopping Package €1.50/month, Travel Package €7.00/month, Luxury Package €25.00/month (each requires a minimum 12-month commitment).
Purchase APR
from 8.97%
Interest-free
30 days
Foreign fee
1.6%
Rewards
No structured cashback or points programme. Mastercard network benefits include free return shipping (up to €30, max 3 claims/year) and exclusive concert presale access through a Live Nation partnership. Mastercard Travel Rewards may provide cashback on select foreign transactions via the Mastercard network.

Our verdict

What stands out, and where it falls short.

What we like

  • No structured cashback or points programme. Mastercard network benefits…
  • No card fee
  • Airport lounge access
  • Travel insurance included
  • Pay in installments

Worth weighing

  • 1.6% foreign transaction fee

Who It Is For

Whether the KBC Credit Card fits how you actually spend.

Pick it if you are

  • Anyone who wants a low-cost everyday card
  • Frequent travelers
  • People who want rewards on their spending
  • Travelers who value airport lounges

Skip it if you are

  • Frequent international travelers

Rates and fees

As of

All amounts shown in EUR.

Card fee
No fee
Purchase APR
from 8.97%
Interest-free period
30 days
Foreign transaction fee
1.6%
Annual card fee
Free (€0) with KBC Basic or Plus Account
Debit interest rate (Flex Budget)
8.97% per annum on outstanding balance when using KBC Flex Budget instalment facility
Foreign exchange commission
1.6% of ECB reference rate on non-euro currency transactions; ATM withdrawals: 1% (min €5) in eurozone, plus 1.6% exchange commission outside eurozone

Rewards and features

Rewards
No structured cashback or points programme. Mastercard network benefits include free return shipping (up to €30, max 3 claims/year) and exclusive concert presale access through a Live Nation partnership. Mastercard Travel Rewards may provide cashback on select foreign transactions via the Mastercard network.
Installments
Repayments can be spread over multiple months via the optional KBC Flex Budget facility (open-ended credit reserve). Minimum monthly repayment is 5.6% of the outstanding balance. Interest accrues only on the outstanding amount.
Pay with
Apple Pay, Google Pay, Contactless
Billing cycle
Monthly deferred billing — all month's spend collected at the start of the following month in one debit
Card transition
Replaces legacy Silver (€2,500 limit), Gold (€5,000) and Platinum (€7,500) Mastercard tiers. Legacy cardholders migrated between April 2025 and April 2027.

Benefits and perks

Extras that come bundled with the card.

  • Purchase Protection (Shopping Package)
    90-day accidental damage and theft coverage up to €3,000/year for items over €50. Requires Shopping Package add-on at €1.50/month.
  • Extended Warranty (Shopping Package)
    2 additional years beyond statutory warranty on electrical and electronic goods, up to €3,000/year. Requires Shopping Package.
  • Online Shopping Protection (Shopping Package)
    Covers damaged or incorrect items from EU/USA webshops (min €100 purchase) up to €1,500/year when retailer refuses responsibility.
  • Trip Cancellation Insurance (Travel Package)
    Up to €10,000/year for all insured parties for cancellation or interruption due to sudden illness, accident or death of cardholder or family member. Requires Travel Package at €7/month.
  • Rental Car Excess Coverage (Travel Package)
    Reimburses rental car damage deductible (min €100) up to €2,500/claim for professional rentals up to 30 days abroad. Requires Travel Package.
  • Airport Lounge Access (Luxury Package)
    Unlimited complimentary LoungeKey airport lounge access worldwide regardless of airline or class. Accompanying guests pay separately. Requires Luxury Package at €25/month.
  • Personal Lifestyle & Travel Manager (Luxury Package)
    24/7 Personal Lifestyle & Travel Manager for travel planning, luxury purchases, restaurant reservations, event tickets, and hotel bookings. Requires Luxury Package.

Eligibility

What you need before you apply.

Account requirement
Requires an active KBC Basic or KBC Plus current account; credit limit set by KBC (from €1,500/month)

KBC Credit Card: your questions answered

Does the KBC Credit Card have a card fee?
No - the KBC Credit Card has no card fee.
What rewards does the KBC Credit Card earn?
The KBC Credit Card earns No structured cashback or points programme. Mastercard network benefits include free return shipping (up to €30, max 3 claims/year) and exclusive concert presale access through a Live Nation partnership. Mastercard Travel Rewards may provide cashback on select foreign transactions via the Mastercard network..
Does the KBC Credit Card charge foreign transaction fees?
Yes - the KBC Credit Card charges a 1.6% foreign transaction fee.
Is there an interest-free period on the KBC Credit Card?
Yes - up to 30 days interest-free when you pay your balance in full by the due date.
What is the interest rate on the KBC Credit Card?
The KBC Credit Card has a purchase APR of from 8.97%.
Can I pay in installments with the KBC Credit Card?
Yes - Repayments can be spread over multiple months via the optional KBC Flex Budget facility (open-ended credit reserve). Minimum monthly repayment is 5.6% of the outstanding balance. Interest accrues only on the outstanding amount..
Is the KBC Credit Card a credit, debit or prepaid card?
The KBC Credit Card is a credit card issued by KBC Bank on the Mastercard network.
Does the KBC Credit Card support Apple Pay and Google Pay?
Yes - the KBC Credit Card works with both Apple Pay and Google Pay.
Where can I get the KBC Credit Card?
The KBC Credit Card is currently offered in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia and 22 more.
How does DebitCue rate the KBC Credit Card?
DebitCue rates the KBC Credit Card 4.3 out of 5 (8.6/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

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