Updated October 14, 2026 · DebitCue Editorial Team
KBC Credit Card vs Swedbank Mastercard
KBC Credit Card
Higher score in this comparison
Swedbank Mastercard
Where KBC Credit Card and Swedbank Mastercard differ
| Compare | KBC Credit CardReviewSee alternativesSee alternatives | Swedbank MastercardReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | €0 | SEK 195 |
| APR | 9.35%Lower | 13.55% |
| Rewards type | Cashback | None |
| Perks | Free returns of online purchases (max EUR 30 per claim, 3 claims per year), Mastercard Fast Track airport security access, Presale access to Live Nation tickets, Set your own spending limit, Pay in full the following month or spread repayments with KBC Flex Budget, Worldwide payments and ATM withdrawals on the Mastercard network, Optional Shopping package EUR 1.50/month, Travel package EUR 7.00/month, Luxury package EUR 25.00/month with airport lounges | Travel insurance with cancellation cover, delayed departure and delayed baggage cover, Purchase insurance: all risk, price guarantee and extended warranty, no deductible, Up to 55 days interest free credit on purchases, Free extra card (0 kr per year), Rental car excess reduction up to SEK 30,000, Optional payment protection (betalningsskydd) at extra cost, Balance transfer (saldooverforing) to an account |
| Currency conversion fee | Not confirmed | 1.65% |
| Rewards rate | Cashback on selected spending abroad via Mastercard Travel Rewards | Not confirmed |
Same on both: Card kind (Credit).
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Key differences
- KBC Credit Card scores higher overall: 9.6 vs 9.4.
- APR is lower at KBC Credit Card: 9.35% vs 13.55%.
- Perks: only KBC Credit Card offers Free returns of online purchases (max EUR 30 per claim, 3 claims per year), Mastercard Fast Track airport security access, Presale access to Live Nation tickets.
- Perks: only Swedbank Mastercard offers Travel insurance with cancellation cover, delayed departure and delayed baggage cover, Purchase insurance: all risk, price guarantee and extended warranty, no deductible, Up to 55 days interest free credit on purchases.
- Support channels: only KBC Credit Card offers Chat, Email.
- Features: only KBC Credit Card offers Rewards.
- Features: only Swedbank Mastercard offers Travel.
Our verdict on each
KBC Credit Card
KBC Bank NV issues the Belgian KBC Credit Card. KBC says customers can set a card limit and choose optional, fee-based insurance or service packages. Purchases are generally collected from the account the following month; spreading repayments requires linking a separate KBC Flex Budget facility, and card or credit applications remain subject to KBC approval.
Swedbank Mastercard
Swedbank Mastercard suits Swedish card holders who want travel and purchase cover built into the card rather than points, and who can clear balances at 13.55%. The case for it rests on the insurance, purchase protection and the Mastercard network, and the annual fee of SEK 195 has to earn its place.
Score breakdown
| Area | KBC Credit Card | Swedbank Mastercard |
|---|---|---|
| Cost | 9.5Higher | 8.9The annual fee of SEK 195 sits above the credit field median, €0, and the upper quartile, €11.55. |
| Offer | 9.7Higher | 9.2 |
| Trust | Not confirmed | 10.0 |
Availability and regulation
| Country | KBC Credit Card | Swedbank Mastercard |
|---|---|---|
| Belgium | National Bank of Belgium (NBB) MiCA CASP 6B2PBRV1FCJDMR45RZ53 | Not confirmed |
| Sweden | Not confirmed |
Additional countries for KBC Credit Card: 1. Additional countries for Swedbank Mastercard: 1.
A third option
Nexo has apr at from 1.9%, against 9.35% for KBC Credit Card and 13.55% for Swedbank Mastercard.
Nexo reviewSources behind this comparison
KBC Credit Card
- kbc.be: 9 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
Swedbank Mastercard
- swedbank.se: 10 facts, checked September 26, 2026
- swedbank.com: 1 fact, checked September 26, 2026
How they place
| Ranking | KBC Credit Card | Swedbank Mastercard |
|---|---|---|
| Credit cards | 67 of 1020 | 94 of 1020 |
Every fact side by side
| Fact | KBC Credit Card | Swedbank Mastercard |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Rewards | Travel |
| Legal entity | KBC Bank NV | Swedbank AB (publ) |
| Headquarters | Belgium | Sweden |
| Founded | Not confirmed | 1820 |
| Support channels | Phone, Chat, Help centre, EmailCovers more | Phone, Help centre |
Debit cards
| Fact | KBC Credit Card | Swedbank Mastercard |
|---|---|---|
| Monthly fee | Not confirmed | SEK 0 to SEK 195 |
| Free ATM withdrawals | Not confirmed | SEK 0 |
| Card type | Debit | Not confirmed |
| Card network | Not confirmed | Mastercard |
Where each stands against the rest
| Fact | KBC Credit Card | Swedbank Mastercard | Median |
|---|---|---|---|
| APR | 9.35%lowest quarter | 13.55%below the median | 19.39% |
| Currency conversion fee | Not confirmed | 1.65%above the median | 1% |
Median across 312 listed cards.
Pros and cons
KBC Credit Card
Pros
- KBC describes configurable card limits and optional fee-based packages.
- The page distinguishes ordinary monthly repayment from the optional linked Flex Budget facility for spreading repayments.
Swedbank Mastercard
Pros
- Travel insurance comes with the card, with cancellation cover, delayed departure and delayed baggage cover.
- Purchase protection adds all-risk cover, a price guarantee and an extended warranty with no deductible.
- Purchases get an interest-free credit window and a balance transfer option is available.
Cons
- An annual fee of SEK 195 is charged, where Varo Believe Secured Credit Card charges $0, Wise charges £0 and Chime Card (Secured Visa Credit Card) charges $0.
- There is no rewards scheme on the card, with the rewards type recorded as none.
- Cash withdrawals are not free, since the free ATM withdrawal allowance is SEK 0.
Who each suits
KBC Credit Card
Who it suits
- Belgian applicants comparing KBC’s credit card who want to distinguish its standard card features from optional packages and a separate credit facility.
Swedbank Mastercard
Who it suits
- People in Sweden who want travel insurance and purchase protection included on the card.
- Card holders who clear balances most months and are comfortable borrowing at 13.55%.
- Travellers who want cancellation and baggage cover without arranging a separate policy.
Who should look elsewhere
- Anyone put off by a yearly charge: Varo Believe Secured Credit Card sets its annual fee at $0 and Wise at £0.
- People who want to earn from spending, since the rewards type here is none.
- Card holders who rely on cash machines abroad, with the free withdrawal allowance at SEK 0.
Current offers
Swedbank Mastercard
Current offer
First period offer
0 kr annual fee the first year and free for Nyckelkund: 0 kr first year (ordinary price 195 kr/year)
New Betal- och kreditkort Mastercard; fee free while you are a Nyckelkund. Entercard Group AB is the credit provider and Swedbank the credit intermediary.
Source, checked September 26, 2026
Country by country
| Country | KBC Credit Card | Swedbank Mastercard |
|---|---|---|
| Belgium | Yes | No |
| Sweden | No | Yes |
Questions about each
KBC Credit Card
Does the KBC Credit Card automatically include a repayment credit line?+
No. The page says customers can link a KBC Flex Budget facility if they want to spread repayments; it is separate from the card and applications are subject to approval.
Swedbank Mastercard
How much does it cost to keep this card?+
The annual fee is SEK 195 and borrowing is priced at an APR of 13.55%. Foreign spending costs a currency conversion fee of 1.65%. A card used mainly for its insurance still has to earn back the annual fee each year, which is the number to test against how often you travel.
What is the cheapest way to borrow on this card?+
The APR is 13.55%. Purchases get an interest-free credit window, and a balance transfer option is listed, so an existing balance can be moved onto the card. Anyone planning to carry a balance should check the window covers the borrowing period, because the rest of the balance is charged at the APR.
Who regulates the bank behind the card?+
The card comes from Swedbank AB (publ), Swedbank AB (publ), a Swedish bank based in Sweden, SE, supervised by Finansinspektionen. What the card itself carries is card level cover: travel insurance with cancellation, delayed departure and delayed baggage cover, and purchase protection with no deductible, all set out in Travel insurance with cancellation cover, delayed departure and delayed baggage cover, Purchase insurance: all risk, price guarantee and extended warranty, no deductible and Up to 55 days interest free credit on purchases.
Other options to compare
Related by the facts
KBC Credit Card
Swedbank Mastercard