Got your card on you?
Be more enterprising with KBC's business credit card.
- Make payments and withdraw cash worldwide
Whenever you see the Mastercard logo (both in-store and online). - Set your own spending limit
Set a limit online (between 2 500 euros and 10 000 euros). - Buy something today and pay back what you spend the following month
The amount you spend is automatically settled through your business account at KBC. - Easily manage your credit card online
In KBC Mobile, KBC Touch and the KBC Business Dashboard. - Get additional discounts and partner benefits
Thanks to Mastercard’s Business Bonus programme.
How can you be more enterprising with your KBC Mastercard Business Essential?
Manage more business expenses with one card
You can use your business credit card to pay hassle-free for everything related to your business. Whether it’s subscriptions, digital tools, software, services or everyday expenses, you’ll be able to handle your business spending much more easily and efficiently.
Buy online with more convenience
Pay online with your KBC Mastercard Business Essential and if something falls short of your expectations, you have 30 days to return it for free. Thanks to Mastercard, you can claim back return costs of up to 30 euros a maximum of three times per year.
Manage more business expenses with one card
You can use your business credit card to pay hassle-free for everything related to your business. Whether it’s subscriptions, digital tools, software, services or everyday expenses, you’ll be able to handle your business spending much more easily and efficiently.
Buy online with more convenience
Pay online with your KBC Mastercard Business Essential and if something falls short of your expectations, you have 30 days to return it for free. Thanks to Mastercard, you can claim back return costs of up to 30 euros a maximum of three times per year.
Make business trips a more comfortable experience
If you’re often away on business, you can easily pay for your accommodation, transport, meals and activities along the way. You get priority access at airport security and also receive discounts in restaurants at a number of airports.
Request the card for more than one person
If you’re an employer, you can apply for the business credit card not only for yourself, but also for your employees. This ensures that all spending can be managed centrally and transparently.
Get more insight and a real-time overview
The KBC Mastercard Business Essential Credit Card enables you to keep your business and personal spending strictly separate. You’ll see every transaction appear immediately in the real-time overview in KBC Mobile, KBC Touch and the KBC Business Dashboard. You also receive a monthly billing statement containing all the transaction details.
Give yourself more breathing space to pay what you owe
Whatever you spend on your credit card this month will not be automatically deducted from your KBC business account until the following month. This enables you to spread your expenses over time, maintain control over your budget and create more breathing space in your cash flow.
Get more insight and a real-time overview
The KBC Mastercard Business Essential Credit Card enables you to keep your business and personal spending strictly separate. You’ll see every transaction appear immediately in the real-time overview in KBC Mobile, KBC Touch and the KBC Business Dashboard. You also receive a monthly billing statement containing all the transaction details.
Give yourself more breathing space to pay what you owe
Whatever you spend on your credit card this month will not be automatically deducted from your KBC business account until the following month. This enables you to spread your expenses over time, maintain control over your budget and create more breathing space in your cash flow.
Get more discounts and exclusive benefits with Business Bonus and Priceless from Mastercard
Stay connected wherever you are thanks to low-cost roaming with Airalo
Got your card on you too?
Make it easy on yourself and apply for the KBC Mastercard Business Essential Credit Card online. You’ll receive the card in the post within five business days of your application being approved.
Not a KBC customer?
The KBC Mastercard Business Essential Credit Card is linked to the KBC Business Pro Current Account. To apply for the credit card, you must first open a business current account.
Frequently asked questions about the business credit card
The KBC Mastercard Business Essential Credit Card has a standard spending limit of 3 000 euros per month. If you prefer a different one, you can choose from five limits when applying for a new card, namely 2,500 euros, 3,000 euros, 5,000 euros, 7,000 euros and 10,000 euros.
If you want to change your credit card limit afterwards – either temporarily or permanently – get in touch with a KBC branch near you or contact KBC Live.
You can link an additional credit card to your KBC Business Pro Account using KBC Mobile, KBC Touch and the KBC Business Dashboard. You can link multiple credit cards to a current account, provided your application is approved.
If you’d like an additional credit card for someone who doesn’t hold a power of attorney for your current account, get in touch with a KBC branch near you or contact KBC Live.
| KBC Mastercard Business Essential | |
| Annual fee | 15 euros (excluding the KBC Business Pro Account) |
| Paying retailers | Free of charge |
| Online transactions | Free of charge |
| Withdrawing cash at ATMs | 1% of the amount withdrawn (with a minimum charge of 5 euros) |
| Withdrawing cash in a financial institution or bureau de change | 2% of the amount withdrawn (with a minimum charge of 5 euros) |
| Several card holders | |
| Exchange rate | Indicative rate set by the European Central Bank (plus an exchange margin of 1.6% for payments and withdrawals in a currency other than the euro). |
You can use KBC Mobile, KBC Touch and the KBC Business Dashboard to:
- See your monthly billing statements
- Turn the contactless payment function on and off
- Specify where and when your card may be used (‘Europe’, ‘World excl. USA’, or ‘World’)
- Enable or disable your credit card for online purchases
- Apply for an additional credit card either for yourself or another card holder (e.g., a colleague or employee)
- Specify which staff members get billing statements and in what format (only possible in the KBC Business Dashboard)
You will receive a billing statement each month in KBC Mobile, KBC Touch and the KBC Business Dashboard. The closing date is always the 23rd calendar day of the month.
Yes, a business credit card is linked to your company and a business current account. You can combine the KBC Mastercard Business Essential Credit Card with the KBC Business Pro Current Account.
You are protected against card fraud. No insurance policies are linked to the credit card.
You can use the KBC Mastercard Business Essential Credit Card to pay anywhere in the world accepting Mastercard. All you have to do is enter your PIN or add your signature, including online whenever the website features the ‘MasterCard Secure Code’ logo. Of course, you can also make contactless payments by holding your card against the payment terminal.
If you need cash, you can use your card at any ATM displaying the Mastercard logo, anywhere in the world. In countries outside the European Monetary Union, you automatically get a good exchange rate. You can withdraw up to 620 euros in cash (at an ATM) every four days.
Remember that withdrawing cash and paying abroad with your card can sometimes attract charges.
The KBC Mastercard Business Essential Credit Card is linked to a KBC Business Pro Current Account. If you’ve opened such an account, you can apply for your credit card online in KBC Mobile, KBC Touch and the KBC Business Dashboard:
In KBC Mobile:
- Log in
- Tap ‘My KBC‘ at the bottom of the screen and then ‘Business’ at the top
- Scroll to ‘Means of payment’ and tap ‘(+) New’
- Select ‘Business credit card’
- Select your business current account and then tap ‘KBC Mastercard Business Essential’
- Follow the instructions
You can also get Kate to help you. Your digital assistant can be found in the top-right corner of KBC Mobile. Tap the icon and type: ‘I want to apply for a business credit card’.
In KBC Touch:
- Log in
- Select ‘Business’ at the top left of your screen
- Go to ‘Payments’ and tap or click ‘(+) New’ next to ‘Credit Cards’
- Select the current account to which you want to link your credit card
- Select ‘KBC Mastercard Business Essential’
- Follow the instructions
In the KBC Business Dashboard:
- Log in
- Go to ‘Cards’ and tap or click ‘New credit card’
- Select the current account to which you want to link your credit card
- Select ‘KBC Mastercard Business Essential’
- Follow the instructions
The closing date for all transactions on your credit card is the 23rd of each month. The amount to be repaid is debited from your KBC Business Pro Current Account automatically nine calendar days later.
Mastercard® Airport Security Fast Track is a service that gives you preferential access to a dedicated lane straight to the security checkpoint, allowing you to skip queues. To use this service, check in with your KBC Mastercard Business Essential Credit Card.
More information is available on Mastercard's website.
