Gold MasterCard from KBC

KBC Gold Credit Card

Gold MasterCard from KBC

KBC Gold Credit Card

Travel cancellation insurance included

You're covered for up to 6,000 euros if your holiday is unable to go ahead or you have to return home early.

Online purchase protection

If you've bought something online and it was damaged when it arrived or is the wrong product, we'll make sure that you get your money back.

Higher spending limit

You have a standard limit of 5,000 euros a month.

Why go for the KBC Gold MasterCard?

Gold MasterCard
  • Often shop online? Our Gold credit card could be what you're looking for. It comes with online purchase protection insurance covering online purchases you make in the EU or US. And that's not all. Things you buy on your card are also covered by our extra two-year warranty and are covered for up to 90 days after purchase for theft and accidental damage.
  • Love travelling? This card comes with free travel cancellation cover of up to 6,000 euros.

Travel cancellation insurance included

There's always a chance you can’t go on holiday or have to interrupt it because of troubles at home such as a member of your family being admitted to hospital. This insurance covers you against cancellation and/or early-return costs relating to any personal trips that you pay for using a KBC payment method. You are covered for claims of up to 6,000 euros.

What is not insured?

  • Cancellations or interruptions due to non-stable medical disorders or injuries that already existed when the trip was booked.
  • Claims that are the result of an excessive use of alcohol or medication or drugs, which were not prescribed by a doctor.

Online purchase protection

This cover provides you with additional protection for online purchases in the EU or US. If the refrigerator you buy online is damaged on delivery or the wrong product is delivered and the supplier refuses to accept responsibility, we'll make sure that you get your money back.

What is not insured?

  • Damage you cause intentionally
  • Hidden defects 

Extra protection for what you buy on your card

  • Extended warranty: This cover adds a further two years to the statutory warranty period.
  • Purchase protection: This cover protects your purchases against accidental damage and aggravated theft (involving violence or forced entry) for up to 90 days after purchase. If you buy an expensive jumper and tear the sleeve a week later on a door handle, that’s covered too.

What is not insured?

  • Damage you cause intentionally
  • Ordinary wear and tear

Payments and cash withdrawals worldwide

You can pay securely where MasterCard is accepted in restaurants, hotels, online, abroad or wherever you are.

Higher spending limit

This card has a standard spending limit of 5,000 euros a month.

Get more flexibility with KBC Flex Budget

Spread your repayments over time

If you want to stagger repayment of what you spend on your credit card, you'll need to link the KBC Flex Budget facility to your KBC credit card. This extra cash reserve can be repaid at your own pace. In exchange for a certain rate of interest, you choose how much you pay off every month.

Find out more about the KBC Flex Budget facility.

Financial Protection Insurance

 

If you have gone for the KBC Flex Budget facility, you can add our optional financial protection insurance for a small fee each month. This covers you:

  • if you are forced by violence or under threat of violence to withdraw cash at an ATM or if you are robbed within 24 hours of withdrawing cash at an ATM
  • if you die (any outstanding balance on the date of death will be covered)
  • if you are completely unfit for work for more than two months (solely for persons who carry out a regular professional activity). The compensation is equal to the minimum monthly repayment required by law (i.e. 5.6% of the outstanding balance), plus the monthly member contribution payable during the period of total work disability
  • if you are admitted to hospital for at least seven consecutive days (solely for persons who don't (no longer) have a professional activity). The compensation is twice the minimum monthly repayment required by law (i.e. 5.6% of the outstanding balance), plus the monthly member contribution payable.

Situations where it does not apply include:

  • if work disability is the result of drug use or drunkenness
  • if the financial loss resulting from a forced cash withdrawal or robbery following a cash withdrawal is due to a deliberate act or complicity on the part of the insured person, persons living with him/her, or blood relatives or relatives by marriage in the direct line

What a KBC Gold Credit Card will cost you

Charges

KBC Plus Account with a KBC Gold Credit Card

6 euros a month

KBC Gold Credit Card (excluding charges for the KBC Current Account and other products)

49 euros a year

KBC Gold Credit Card with KBC Flex Budget (excluding charges for the KBC Current Account and other products)

55 euros a year

Optional financial protection insurance (only available with KBC Flex Budget)
  • 0.35% a month (with one insured person)
  • 0.65% a month (with two insured persons)

of the utilised credit amount

Withdrawing cash in euros

  • At ATMs: 1% of the amount (minimum charge of 5 euros)
  • Over the counter at banks and bureaux de change abroad: 2% (minimum charge of 5 euros)

Withdrawing cash in a foreign currency

  • At ATMs: 1% of the amount (minimum charge of 5 euros) + a 1.6% exchange rate commission
  • Over the counter at banks and bureaux de change abroad: 2% (minimum charge of 5 euros) + a 1.6% exchange rate commission
Transfers to your own current account (only available with a KBC Silver Flex Credit Card)*
  • 1% of the amount (with a minimum charge of 5 euros)

*Not applicable to credit cards taken out on or after 29 August 2016

Good to know

Purchase Protection and Extended Warranty Insurance and Online Purchase Protection Insurance

  • The insurer is London General Insurance Company Ltd., with its offices in Integra House, Vicarage Road, Egham, Surrey, TW20 9JZ, United Kingdom, licensed under code 987 to provide insurance services for covering financial losses (class 16) via its branch office in Belgium, located at Steenpoeldreef 11, 1850 Grimbergen.
  • The administrator is TWG Services Ltd., with its offices in Integra House, Vicarage Road, Egham, Surrey, TW20 9JZ, United Kingdom, supervised by the British Financial Conduct Authority and registered under number 312440, with a branch in the Netherlands, conducting business there under the name The Warranty Group Europe, the Netherlands, with its offices at President Kennedylaan 106, Velp, conducting business in Belgium within the framework for the free provision of services, and authorised to act as an insurance intermediary, acting in this regard as administrator for account of London General Insurance Company Ltd.
  • Your KBC Bank branch is the first point of contact for any complaints you may have about this advertisement. If no agreement can be reached, you can contact KBC Complaints Management by post at Brusselsesteenweg 100, 3000 Leuven, by e-mail at complaints@kbc.be, by telephone on 0800 620 84 (free number) or + 32 78 15 20 45 (pay number), or by fax on + 32 16 86 30 38.
  • If you have a complaint concerning this advertisement and cannot reach a suitable resolution, you can contact the Mediation Service (Banks-Credit-Investments) by post at Belliardstraat 15-17 box 8, 1040 Brussels, by telephone on +32 2 545 77 70, by fax +32 2 545 77 79, or by e-mail at ombudsman@ombfin.be.
  • If you have any complaints concerning this insurance, you can address them to the Management, London General Insurance Company limited, c/o The Warranty Group Europe, Uitbreidingstraat 84, 2600 Berchem, or send an e-mail to info.nl@thewarrantygroup.com.
  • If no satisfactory solution can be reached, you can contact the Belgian insurance industry's ombudsman service: Ombudsman van de Verzekeringen, de Meeûssquare 35, 1000 Brussels, info@ombudsman.as, www.ombudsman.as.

For the optional financial protection insurance

Financial Protection Insurance is an insurance contract that KBC Bank has taken out with KBC Insurance NV, with registered office at Professor Roger Van Overstraetenplein 2, 3000 Leuven, Belgium. VAT No. BE 0403.552.563, RLP Leuven, IBAN BE43 7300 0420 0601, BIC KREDBEBB. Company licensed for all insurance classes under code 0014 (Royal Decree of 4 July 1979, Belgian Official Gazette of 14 July 1979) by the National Bank of Belgium, de Berlaimontlaan 14, 1000 Brussels, Belgium. Member of the KBC group

  • You must have signed up for the insurance to be able to make a claim.
  • You can submit a claim under the insurance as long as your credit card is active and you have paid the card fee. Cover ends automatically when the contract between %bank%% Bank NV and the insurer is cancelled.
  • The conditions of cover are available from all %%bank%% Bank branches and at www.kbc.be/regulations. They alone determine your right to compensation from the insurer.
  • Your %%bank%% Bank branch is the first point of contact for any complaints you may have about this advertisement. If no agreement can be reached, you can contact %%bank%% Complaints Management by post at Brusselsesteenweg 100, 3000 Leuven, by e-mail at complaints@%%mailto%%, by telephone on 0800 620 84 (free number) or + 32 78 15 20 45 (pay number), or by fax on + 32 16 86 30 38. If you have a complaint concerning this advertisement and cannot reach a suitable resolution, you can contact the Mediation Service (Banks-Credit-Investments) by post at Belliardstraat 15-17 box 8, 1040 Brussels, by telephone on +32 2 545 77 70, by fax +32 2 545 77 79, or by e-mail at ombudsman@ombfin.be.
  • If you have a complaint with regard to insurance, you can contact the Belgian insurance industry's ombudsman service: Ombudsman van de Verzekeringen, de Meeûssquare 35, 1000 Brussels, info@ombudsman.as, www.ombudsman.as.
  • The insurance contract is subject to Belgian law.

For other insurance

  • Financial Protection Insurance is an insurance contract that KBC has taken out with KBC Insurance NV, with registered office at Professor Roger Van Overstraetenplein 2, 3000 Leuven, Belgium. VAT No. BE 0403.552.563, RLP Leuven, IBAN BE43 7300 0420 0601, BIC KREDBEBB. Company licensed for all insurance classes under code 0014 (Royal Decree of 4 July 1979, Belgian Official Gazette of 14 July 1979) by the National Bank of Belgium, de Berlaimontlaan 14, 1000 Brussels, Belgium. Member of the KBC group
  • You must have signed up for the insurance to be able to make a claim.
  • You can submit a claim under the insurance as long as your credit card is active and you have paid the card fee. Cover ends automatically when the contract between KBC  NV and the insurer is cancelled.
  • The conditions of cover are available from all KBC branches and at www.kbc.be/regulations. They alone determine your right to compensation from the insurer.
  • Your KBC branch is the first point of contact for any complaints you may have about this advertisement. If no agreement can be reached, you can contact KBC Complaints Management by post at Brusselsesteenweg 100, 3000 Leuven, by e-mail at complaints@kbc.be, by telephone on 0800 620 84 (free number) or + 32 78 15 20 45 (pay number), or by fax on + 32 16 86 30 38. If you have a complaint concerning this advertisement and cannot reach a suitable resolution, you can contact the Mediation Service (Banks-Credit-Investments) by post at Belliardstraat 15-17 box 8, 1040 Brussels, by telephone on +32 2 545 77 70, by fax +32 2 545 77 79, or by e-mail at ombudsman@ombfin.be.
  • If you have a complaint with regard to insurance, you can contact the Belgian insurance industry's ombudsman service: Ombudsman van de Verzekeringen, de Meeûssquare 35, 1000 Brussels, info@ombudsman.as, www.ombudsman.as.
  • The insurance contract is subject to Belgian law.

For all insurance

  • You can submit a claim under the insurance as long as your credit card is active and you have paid the card fee. The insurance ends automatically when the contract between the KBC Bank NV and the insurer is cancelled.
  • Belgian law applies to all insurance.
  • This insurance is a class 16 product (financial loss insurance).
  • You must have signed up for the insurance to be able to make a claim. Signing up for the insurance is free of charge, except in the case of Financial Protection Insurance.
  • The conditions of cover are available here or in any KBC Bank branch. The applicable general conditions alone determine your right to compensation from the insurer.

Learn more

  • General terms and conditions for KBC Gold Credit Cards
  • General terms and conditions for KBC Gold Credit Cards
  • General conditions for Gold insurance cover
  • Full list of items covered by the extended guarantee
  • Purchase protection and extended guarantee claim form
  • Financial protection insurance claim form
  • Online purchase protection insurance claim form
  • Travel cancellation insurance claim form, certification and guide
  • Travel cancellation insurance FAQs
  • General Conditions Financial Protection Insurance

The KBC Gold Credit Card is a credit card issued by: KBC Bank NV, with registered office at Havenlaan 2, 1080 Brussels, Belgium, VAT BE 0462.920.226, RLP Brussels, FSMA 026256 A.

KBC Flex Budget is an open-ended credit facility linked to the KBC Silver Credit Card, KBC Gold Credit Card or KBC Platinum Credit Card and used as an additional means for drawing credit.

Lender and credit card issuer: KBC Bank NV. Subject to your card or credit application being approved by KBC Bank NV.

The annual percentage rates of charge of 12,43% for a KBC Gold Credit Card with KBC Flex Budget are calculated on the basis of the following assumptions:

  • *the standard credit amount is 5,000 euros for a KBC Gold Credit Card with KBC Flex Budget;
  • *the stated credit amount is drawn down immediately and in full by means of payment at a retailer; paying at retailers within the SEPA is the most common way the card is used;
  • *the variable debit rate of interest stands at 9,65% for a KBC Gold Credit Card with KBC Flex Budget;
  • *the fee for the credit card is 55 euros for a KBC Gold Credit Card with KBC Flex Budget;
  • *the credit has a term of one year;
  • *the credit amount is repaid in equal monthly instalments (at the end of each period); debit interest is calculated based on projected credit use and principal repayments. 

Attention, borrowing money also costs money

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