Platinum MasterCard from KBC

KBC Platinum Flex Credit Card

Platinum MasterCard from KBC

KBC Platinum Flex Credit Card

Protection when travelling

The comprehensive insurance package means you can travel with excellent protection.

Highest spending limit

This card has a standard spending limit of 7,500 euros a month.

2 years' extended warranty

Get two years' warranty on certain purchases on top of the two years required by law.

Protection when travelling

Mastercard PLatinum

If you are a frequent travellerour Platinum Flex Credit Card could be ideal for you. It comes with travel cancellation insurance cover. It also gives you flight delay, lost baggage and hire car excess cover.

Travel cancellation insurance

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 for up to 10.000 euros per claim.Most important exclusion is cancellations and/or early returns as a result of medical disorders or injuries that already existed when the trip was booked.

Flight delay insurance

If your flight is delayed by more than four hours, this insurance covers you for expenses incurred for food and drink or additional overnight accommodation for up to 150 euros per person. It does not apply if equivalent alternative transport was available or if the delay was due to a protest, strike, or trade union action.

Lost baggage insurance

If your baggage has gone missing when you arrive, this insurance covers you for expenses incurred for urgent purchases of necessary replacement clothing and toiletry articles. You will be entitled, depending on the situation, to compensation of between 250 euros and 750 euros. It does not apply, for instance, if you failed to collect your baggage, or checked it in too late.

Hire car excess insurance

If the car you hired abroad has been damaged or stolen,  this insurance repays you the excess that the rental company's car insurer charges you. It does not apply, for instance, to trailers or if a negative travel advice was applicable at the start of your trip.

Extra protection for what you buy on your card

Extended guarantee and purchase protection

If you buy an expensive jumper and accidentally tear the sleeve a week later on a door handle or your dishwasher, TV or power drill suddenly gives up the ghost after three years, this cover adds a further two years to the two-year warranty required by law. What’s more, your purchases are protected against accidental damage and aggravated theft (involving violence or forced entry) for up to 90 days after purchase. Most important exclusions are damage you have caused intentionally or ordinary wear and tear.

Online purchase protection

Mastercard Platinum online purchase protection

This insurance provides you with protection for online purchases from an online retailer (from the EU or US). If the new refrigerator that you purchased online was damaged upon delivery or was not the item you ordered we will make sure that you get your money back if the supplier refuses to accept responsibility. Most important exclusions are aesthetic damage (scratches, dents) or damage you have caused intentionally.

Cancellation insurance for your admission tickets

If your buy tickets to a sporting event or concert, but are unexpectedly sick, this insurance repays you the unused tickets for up to 500 euros. It does not apply, for instance, to tickets that can be exchanged, or to season tickets.

Get the highest spending limit

The spending limit is set at 7,500 euros and we can always discuss any higher limit you might feel the need for.

Spread your repayments over time

Decide how much you repay and how and when with a KBC Platinum Flex Credit Card. If you buy something with this card, you have two ways to repay what you've spent.

  • Monthly: you can repay the full balance once a month by direct debit, so you don’t pay any interest.
  • Staggered repayments: you pay off 5.6% of the amount due each month, and thus spread out your repayments. You can pay off the remaining balance immediately if you wish, but you can also defer repayment. You only pay interest for the period and on the amount for which you postpone the repayment.

What a KBC Platinum Flex Credit Card will cost you

KBC Plus Account with a KBC Platinum Flex Credit Card

9 euros a month

KBC Platinum Flex Credit Card

88 euros a year

Premium for optional financial protection insurance
  • 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% of the amount (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% of the amount (minimum charge of 5 euros) + a 1.6% exchange rate commission

Transfers to your current account

1% of the amount withdrawn (minimum charge of 5 euros)

Financial protection insurance

You can add on our optional financial protection insurance for a small amount to cover you if your card is used without your authorisation after having been lost or stolen, if you die (any outstanding balance at time of death will be covered) or if you are unable to work for more than two months as a result of illness or accident (your minimum repayments will be reimbursed whilst you are incapable of working).

It does not apply, for instance,

  • if the work disability is the result of  drug use or drunkenness;
  • if, in the case of financial damage due to credit card upon theft or loss of the card, the policyholder reports the incident (via Card Stop) more than 24 hours after the discovery of the theft or loss of the card.

Good to know

Purchase protection and extended guarantee 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 the coverage of financial losses (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 your complaints concerning this advertising. If no agreement can be reached, please contact KBC Complaints Management, Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. 0800 620 84 (free of charge) or + 32 78 15 20 45 (charges apply), fax + 32 16 86 30 38. 
  • If you have a complaint concerning this advertising and cannot reach a suitable resolution, you can contact ombudsman@ombfin.be
  • If you have any complaints concerning these insurances, you can contact London General Insurance Company limited, c/o The Warranty Group Europe, to the attention of the management, Uitbreidingstraat 84, 2600 Berchem, or send an email to info.nl@thewarrantygroup.com.
  • If you cannot find a suitable solution, 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 other insurance

  • The insurer is KBC Insurance NV – 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 by the National Bank of Belgium, de Berlaimontlaan 14, 1000 Brussels, Belgium, for all classes of insurance under code 0014 (Royal Decree of 4 July 1979, Belgian Official Gazette of 14 July 1979). Member of the KBC group.
  • Your KBC bank branch is the first point of contact for your complaints concerning this advertising. If no agreement can be reached, please contact KBC Complaints Management, Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. 0800 620 84 (free of charge) or + 32 78 15 20 45 (charges apply), fax + 32 16 86 30 38. 
  • If you have a complaint concerning this advertising and cannot reach a suitable resolution, you can contact the Mediation Service (Banks – Credit – Investments), Belliardstraat 15-17, box 8, 1040 Brussels, tel. + 32 2 545 77 70, fax + 32 2 545 77 79, e-mail 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.

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 subscription fee. The insurance ends automatically when the contract between the KBC Bank NV and the insurer is stopped.
  • Belgian law applies to all insurance.
  • This insurance belongs to class 16 (insurance for a variety of financial losses).
  • 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 the 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 Platinum Flex Credit Cards
  • General conditions for Platinum insurance policies
  • 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
  • Additional expense for flight delays & missed connections insurance claim form
  • Urgent purchases for delayed baggage delivery insurance claim form
  • Hire car excess insurance claim form
  • Admission ticket cancellation insurance claim form
  • General Conditions Financial Protection Insurance (for credit cards granted up to and including 28 August 2016)
  • General Conditions Financial Protection Insurance (for credit cards granted on or after 29 August 2016)

KBC Platinum Flex Credit Cards are linked to a credit facility that is open-ended. Lender and card issuer: KBC Bank NV, Havenlaan 2, 1080 Brussels, Belgium, VAT No. BE 0462.920.226, RLP Brussels, FSMA 026256 A. Read the general conditions here or ask for a copy at your KBC-bankkantoor. The annual percentage rate of charge of 11,45% for a KBC Platinum Flex Credit Card is calculated on the basis of the following assumptions (Book VII of the Economic Law Code):

* The standard credit amount is 7,500 euros.
* The credit amount is drawn down immediately and in full by means of payment at a retailer. Paying a retailer is the most common way credit is used, Transaction charges do not apply in such cases.
* The credit has a term of one year.
* The variable debit interest rate is 8,63%.
* The credit amount is repaid in equal monthly instalments (at the end of each month).
* The debit interest rate used to calculate the APR is itself calculated based on projected credit use and principal repayments.

Attention, borrowing money also costs money

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