Updated October 14, 2026 · DebitCue Editorial Team
KBC Credit Card vs Vivid Plus
KBC Credit Card
Higher score in this comparison
Vivid Plus
What sets them apart
| Compare | KBC Credit CardReviewSee alternativesSee alternatives | Vivid PlusReviewSee alternativesSee alternatives |
|---|---|---|
| Rewards rate | Cashback on selected spending abroad via Mastercard Travel Rewards | 0.1%-0.35% base, up to 10% on select categories |
| 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 | Multiple IBANs, Free SEPA transfers, Up to €1,000 free ATM withdrawals globally (Vivid Prime), Metal physical card, Virtual card, Up to 15 Pockets sub accounts |
| APR | 9.35% | Not confirmed |
| Cashback rate | Not confirmed | 0.1% to 10% |
| Card kind | Credit | Not confirmed |
Same on both: Annual fee (€0), Rewards type (Cashback).
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Key differences
- Vivid Plus is available in 29 more countries.
- 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 Vivid Plus offers Multiple IBANs, Free SEPA transfers, Up to €1,000 free ATM withdrawals globally (Vivid Prime).
- Support channels: only KBC Credit Card offers Email.
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.
Vivid Plus
For finance leads who control active team spending, Vivid Plus provides business accounts with cards, budgets and approvals in one shared platform. It combines daily expense control with cash management tools and accounting connections for companies that manage substantial real balances.
Score breakdown
| Area | KBC Credit Card | Vivid Plus |
|---|---|---|
| Cost | 9.5Higher | 9.2 |
| Offer | 9.7Higher | 9.6 |
| Trust | Not confirmed | 8.2 |
How they place
| Ranking | KBC Credit Card | Vivid Plus |
|---|---|---|
| Debit cards | 63 of 1336 | 1298 of 1336 |
| Credit cards | 67 of 1020 | 995 of 1020 |
| Cashback cards | 17 of 203 | 196 of 203 |
Every fact side by side
| Fact | KBC Credit Card | Vivid Plus |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Rewards |
| Audience | Not confirmed | Business |
| Legal entity | KBC Bank NV | Vivid Money B.V. |
| Headquarters | Belgium | Netherlands |
| Founded | Not confirmed | 2019 |
| Support channels | Phone, Chat, Help centre, EmailCovers more | Help centre, Chat, Phone |
Debit cards
| Fact | KBC Credit Card | Vivid Plus |
|---|---|---|
| Monthly fee | Not confirmed | €0 |
| Card type | Debit | Not confirmed |
Where each stands against the rest
| Fact | KBC Credit Card | Vivid Plus | Median |
|---|---|---|---|
| Annual fee | €0at the median | €0at the median | €0 |
| APR | 9.35%lowest quarter | Not confirmed | 19.39% |
| Cashback rate | Not confirmed | 0.1% to 10%highest quarter | 1.5 |
Median across 196 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.
Vivid Plus
Pros
- Issues cards for people or company with tailored merchant rules
- Runs several live budgets from one IBAN without transfers
- Matches app scanned receipts to payments for accountants
Cons
- Focuses on team spending structures rather than basic individual card use
- Centres spending control and approvals in app based management
- Combines investing tools with daily accounts which adds complexity
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.
Vivid Plus
Who it suits
- Finance teams controlling shared company spending
- Growing companies with frequent employee purchases
- Businesses coordinating budgets, invoices and accounting
Who should look elsewhere
- Individuals seeking a personal spending card
- Cash only operations without digital workflows
Country by country
| Country | KBC Credit Card | Vivid Plus |
|---|---|---|
| Austria | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
| Finland | No | Yes |
8 of 30 countries where either is available.
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.
Vivid Plus
What does Vivid Plus offer for businesses?+
Vivid provides business accounts with expense tools and cash management in one platform. It includes cards, budgets and approvals for teams that spend, plus invoicing and accounting connections.
Who can use the business accounts?+
Vivid serves companies with a team that spends and balances to manage. It assigns cards to a person or to the company and defines budgets, merchant rules and approvals before spending happens.
How do cards, budgets and approvals work?+
Cards link to budgets that run from one IBAN without moving money between accounts. Managers set roles, approval steps and visibility, then approve or reject requests from a phone.
Other options to compare
KBC Credit Card
Vivid Plus