Extra benefits offered by your credit card

Extra benefits offered by your credit card

With a credit card you can pay safely and securely wherever you are: in restaurants and hotels, online, abroad*, etc. But did you know that a credit card offers lots of other benefits? Find out here all about the insurance cover and other interesting advantages KBC credit cards offer. You can also read about the extras provided by the Visa and Mastercard networks.

*If you are travelling to the US, you will need to activate the card before you travel.

Purchase protection and extended warranty insurance

The purchase protection insurance protects your purchases against accidental damage and aggravated theft (involving violence or forced entry) for a fixed number of days after the date of purchase or delivery. If you buy an expensive jumper and tear the sleeve a week later on a door handle, no problem: that loss is also covered.

With an extended warranty you have an extra guarantee for a certain period over and above the legally required warranty period. So, if your dishwasher, TV or power drill suddenly gives up the ghost after three years, the cost of repair or replacement will be covered.

As with any insurance cover, the terms and conditions are extremely important, and exclusions or other restrictions might also apply. Be sure, therefore, to read the general conditions for this insurance so that you know the precise scope of the cover: General Conditions for Silver insuranceGeneral Conditions for Gold insuranceGeneral Conditions for Platinum insurance.

What you definitely need to know

  • Your purchase must be for at least 50 euros
  • Extended warranty: only valid for electrical household appliances, audio and video equipment, and DIY equipment featured on the list of insured goods
    With a KBC Platinum Credit Card grey goods, such as PCs, laptop computers, and tablets are also included
  • Your purchase must have been paid for in full using a KBC credit card
  • A deductible of 20 EUR per claim applies

This insurance is free of charge and optional. To benefit from its cover, you have to sign up to it.

Online purchase protection insurance

This cover provides you with protection for purchases in an online shop 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, this insurance will make sure you get your money back.

As with any insurance cover, the terms and conditions are extremely important, and exclusions or other restrictions might also apply. Be sure, therefore, to read the general conditions for this insurance so that you know the precise scope of the cover:

What you definitely need to know

  • Your purchase must be paid for in full using a KBC Gold Credit Card or KBC Platinum Credit Card.
  • Your purchase must be for at least 100 euros
  • The cover only applies to appliances that feature on the list of insured goods

This insurance is free of charge and optional. To benefit from its cover, you have to sign up to it.

Travel cancellation insurance

This insurance covers you for the costs relating to the cancellation of a trip or the need to return home early. If you're prevented from leaving, or you have to break off your holiday because a member of your family is admitted to hospital, say, a credit card with travel cancellation insurance means you will get back some of what you paid.

As with any insurance cover, the terms and conditions are extremely important, and exclusions or other restrictions might also apply. Be sure, therefore, to read the general conditions for this insurance so that you know the precise scope of the cover: General Conditions for Gold insuranceGeneral Conditions for Platinum insurance.

What you definitely need to know

  • It must be a private trip
  • Your entire trip must be paid for using a KBC means of payment

This insurance is free of charge and optional. To benefit from its cover, you have to sign up to it.

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.

Additional expense for flight delays and missed connections insurance

If your flight is delayed or you miss your plane because the train was late, you can claim back a fixed amount for each person to cover the cost of beverages and food purchased while waiting, if the airline will not compensate you.

As with any insurance cover, the terms and conditions are extremely important, and exclusions or other restrictions might also apply. Be sure, therefore, to read the general conditions for this insurance so that you know the precise scope of the cover: General Conditions for Platinum insurance.

What you definitely need to know

  • Your flight must be delayed by at least four hours
  • Your entire trip must be paid for using a KBC means of payment

This insurance is free of charge and optional. To benefit from its cover, you have to sign up to it.

The KBC credit card with flight delays and missed connections insurance: KBC Platinum Credit Card.

Urgent purchases for delayed baggage delivery insurance

What if your baggage fails to arrive on time at the airport and you have to buy new clothes? Don't worry, because this insurance will pay for the emergency purchase of the replacement clothes you need up to a particular amount.

As with any insurance cover, the terms and conditions are extremely important, and exclusions or other restrictions might also apply. Be sure, therefore, to read the general conditions for this insurance so that you know the precise scope of the cover: General Conditions for Platinum insurance.

What you definitely need to know

  • Your entire trip must be paid for using a KBC means of payment

This insurance is free of charge and optional. To benefit from its cover, you have to sign up to it.

The KBC credit card with emergency purchases for delayed baggage delivery insurance: KBC Platinum Credit Card.

Hire car excess insurance

This insurance covers your hire car abroad. If the car is damaged or stolen or the insurance for the car includes an excess, you will get that excess back in the event of a claim. 

As with any insurance cover, the terms and conditions are extremely important, and exclusions or other restrictions might also apply. Be sure, therefore, to read the general conditions for this insurance so that you know the precise scope of the cover: General Conditions for Platinum insurance.

What you definitely need to know

  • The rental must be paid for in full using a KBC Platinum Credit Card
  • The deductible is at least 100 euros
  • We will reimburse up to 2,500 euros per calendar year

This insurance is free of charge and optional. To benefit from its cover, you have to sign up to it.

The KBC credit card with hire car excess insurance: KBC Platinum Credit Card.

Admission ticket cancellation insurance

Tickets for sporting and cultural events are insured against cancellation. If, for instance, you break your leg and can't attend your favourite festival, then all (or part) of your ticket price will be reimbursed.

As with any insurance cover, the terms and conditions are extremely important, and exclusions or other restrictions might also apply. Be sure, therefore, to read the general conditions for this insurance so that you know the precise scope of the cover: General Conditions for Platinum insurance.

What you definitely need to know

  • The tickets must be paid for in full using a KBC Platinum Credit Card
  • Unused tickets will be reimbursed up to 250 euros per ticket, with an excess of 10 euros for each ticket

This insurance is free of charge and optional. To benefit from its cover, you have to sign up to it.

The KBC credit card with admission ticket cancellation insurance: KBC Platinum Credit Card.

 

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