Your travel plans start with the free KBC Credit Card

As the summer approaches, you quietly start dreaming about faraway places. If you’ve already chosen your next holiday destination, it’s time to start your travel preparations and book things like accommodation and transport.

If you book your holiday with your credit card:

• you don't have to pay right away, because the amount will only be taken from your current account the following month (if you’ve linked a KBC Flex Budget to your credit card, you can spread your repayments over several months)
• you can link the optional fee-based Travel package (containing three forms of insurance cover) to your card
• you are protected against card fraud

What’s more, you don’t pay any additional fees, as the KBC Credit Card comes free with the KBC Basic Account and KBC Plus Account.

At long last, it's time to head off on holiday! Whether it’s at home or abroad, make sure you have your credit card with you:

• you can pay online and at merchants worldwide using the extensive Mastercard network
• you can withdraw cash at ATMs wherever you are (it’s often cheaper when withdrawing larger amounts outside the euro area)
• your credit card is often requested as a guarantee (when you rent a car, for example, an amount is temporarily reserved on your card)
• you always have a financial reserve on you, no matter where you are (for example, if you’re hit by unexpected expenses)
• you have control over how much you spend on your card because you can set your own limit

Of course, your application for a credit card has to be approved first. You can apply for your card entirely online, 24/7.

Even after your trip, your credit card remains your ‘travel companion’. Why not use it to order an album of your favourite holiday snaps or to book your next trip to beat those post-travel blues?

No matter how well prepared you are, something can always go wrong. So, make sure you’re properly insured by linking the optional fee-based Travel package to your free KBC Credit Card and leave on holiday with peace of mind. The package includes three forms of insurance cover:

1. Travel cancellation
2. Hire car excess
3. Urgent purchases due to delayed luggage
   

The Travel package costs 7 euros per month. You can cancel your package after the minimum 12-month term. Important: you must link the Travel package to your credit card no later than the day before booking your holiday.

Forced to cancel your holiday or end it early? Thanks to Travel cancellation insurance, you’re covered for up to 10 000 euros in expenses.

Rental vehicle stolen or damaged? Hire car excess insurance ensures you get reimbursed for the excess amount charged.

If your luggage arrives later at the airport and you have to buy new clothes and toiletries as a result, Urgent purchases due to delayed luggage insurance reimburses you for any urgent purchases you need to make while waiting for your luggage.

You can link the Travel package to your KBC Credit Card in KBC Mobile.

1. Apply for your free KBC Credit Card
2. If your application is given the green light, log in to KBC Mobile
3. Scroll to ‘Means of payment’ and select your credit card
4. Tap the three dots at the top right
5. Tap ‘View packages’ if you haven’t added a package, or tap ‘Manage’ if you’ve already added one
6. Select the ‘travel package’ and read the accompanying information document
7. Tap ‘I'll take this package’
8. Tap ‘Sign’ and follow the instructions
   
9. Your package is activated as soon as you sign

The KBC 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 026 256 A.

The KBC Flex Budget facility is an open-ended credit facility linked to the KBC Credit Card and used as an additional means of drawing credit.

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

All insurance cover referred to is subject to Belgian law. This insurance cover is a class-16 product (financial loss insurance).

KBC Bank has taken out Travel Package insurance with KBC Insurance. You are only entitled to compensation if you were already signed up to this insurance at the time of booking and paying for the travel or rental vehicle in the relevant contract and you were still covered by the insurance at the time of the claim event. You therefore must hold an active credit card and still be signed up to this Travel Package without interruption.

The insurance ends by operation of law when the contract between KBC Bank NV and the insurer is terminated. 

Credit card holders can sign up to the Travel Package at any time. Insurance cover starts on the first hour of the day following membership and lasts for a period of at least one year. After this period, you can withdraw from the insurance at any time by going through the digital process in KBC Mobile or by having its cancellation registered at a KBC Bank branch. 

The conditions of cover are available from any KBC branch or at www.kbc.be/en/creditcard. The applicable general conditions alone determine your right to compensation from the insurer.  The complete list of exclusions can be found in the general conditions. 

Your intermediary is the first point of contact for any complaints you may have. If no agreement can be reached, please contact KBC Complaints Management, Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. 016 43 25 94 or ombudsman@ombudsfin.be, www.ombfin.be. For complaints about insurance, you can contact the Belgian insurance industry's ombudsman service: Ombudsman van de Verzekeringen, de Meeûssquare 35, 1000 Brussels, info@ombudsman-insurance.be,  www.ombudsman-insurance.be. This does not affect your legal rights.