mastercard gold
mastercard gold

Gold Mastercard with travel cancellation insurance


7.25 euros a month

3.25 euros for the KBC Plus Account
4 euros for the credit card

  • Including travel cancellation insurance (up to 6 000 euros)
  • Extra protection for problems related to online purchases
  • High spending limit of 5 000 euros a month
Apply for your credit card online

Why this particular credit card?

Often shop online? Our Gold Mastercard could be ideal for you. It provides extra protection for online purchases you make on your card.
Love travelling? This card also gives you travel cancellation insurance.

Find out more about this credit card

What is a credit card?

1. Travel cancellation insurance included

There’s always a chance you can’t go on holiday or you have to interrupt it because of troubles at home such as a member of your family being admitted to hospital. This travel cancellation insurance covers the costs of cancelling personal trips that you have paid for using a KBC payment method. If you’re already on holiday and have to return early, you’ll receive compensation for the number of days’ holiday you miss. You are covered for claims of up to 6,000 euros.

What’s excluded?

  • 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

Good to know

  • The travel cancellation insurance is offered by KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium. VAT 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
  • The conditions of insurance cover are available under 'Learn more' (at www.kbc.be/en/gold) and from any KBC Bank branch. The applicable general conditions alone determine your right to compensation from the insurer.
  • You can submit any advertising complaints you may have by e-mailing complaints@kbc.be, tel. 016 43 25 94 or ombudsman@ombfin.be, www.ombfin.be. You can submit any insurance complaints you may have by e-mailing complaints@kbc.be, tel. 016 43 25 94 or info@ombudsman.as,  www.ombudsman.as.
  • You must register for the insurance policy in order to benefit from its cover. Signing up is free of charge. 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 KBC Bank NV and the insurer is terminated.
  • Belgian law applies.
  • This insurance is a class 16 product (financial loss insurance).
  • For a quote, please contact your KBC insurance intermediary.

 

2. Online purchase protection insurance

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.

Be careful with online stores offering products at very low prices; they’re often not to be trusted. Check the accreditation of unknown online stores to see whether they are trustworthy and read their customers reviews.

What’s excluded?

  • Damage caused intentionally by you
  • Hidden defects

Good to know

  • Online purchase protection insurance is offered by KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium. VAT 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.
  • The conditions of insurance cover are available under 'Learn more' (at www.kbc.be/en/gold) and from any KBC Bank branch. The applicable general conditions alone determine your right to compensation from the insurer.
  • You can submit any advertising complaints you may have by e-mailing complaints@kbc.be, tel. 016 43 25 94 or ombudsman@ombfin.be, www.ombfin.be. You can submit any insurance complaints you may have by e-mailing complaints@kbc.be, tel. 016 43 25 94 or info@ombudsman.as,  www.ombudsman.as.
  • You must register for the insurance policy in order to benefit from its cover. Signing up is free of charge. 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 KBC Bank NV and the insurer is terminated.
  • Belgian law applies.
  • This insurance is a class 16 product (financial loss insurance).
  • For a quote, please contact your KBC insurance intermediary.

3. Extended warranty and purchase protection

Protect your purchases with a Gold Mastercard from KBC

  • Extended warranty: this cover adds a further two years to the two-year warranty required by law.
  • 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. For example: don’t worry if you buy an expensive jumper and tear the sleeve a week later on a door handle, that’s covered too.

What’s excluded?

  • Damage caused intentionally by you
  • Ordinary wear and tear

Good to know

  • The insurance is offered by KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium VAT 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.
  • The conditions of insurance cover are available under 'Learn more' (at www.kbc.be/en/gold) and from any KBC Bank branch. The applicable general conditions alone determine your right to compensation from the insurer.
  • You can submit any advertising complaints you may have by e-mailing complaints@kbc.be, tel. 016 43 25 94 or ombudsman@ombfin.be, www.ombfin.be. You can submit any insurance complaints you may have by e-mailing info.be@thewarrantygroup.com or info@ombudsman.as (www.ombudsman.as).
  • You must register for the insurance policy in order to benefit from its cover. Signing up is free of charge. 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 KBC Bank NV and the insurer is terminated.
  • Belgian law applies.
  • This insurance is a class 16 product (financial loss insurance).
  • For a quote, please contact your KBC insurance intermediary.

4. Payments and cash withdrawals worldwide

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

5. Higher spending limit

A Gold Mastercard from KBC has a standard spending limit of 5,000 euros a month. You can use the KBC Mobile app or KBC Touch to raise your maximum limit in real time for one month (excluding credit cards with a KBC Flex Budget facility).

6. Flexible repayments

Your credit card spending is generally deducted from your account in one go in the next month. If you want to spread your repayments over several months, link your KBC credit card to a KBC Flex Budget facility. 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.

Learn more about a KBC Flex Budget facility.

7. Contactless payments

This lets you pay using your credit card without having to enter its PIN. All you have to do is hold your card against the terminal. If you’d sooner not, you can disable the option in KBC Touch.

Find out more about contactless payments.

8. What does a Mastercard Gold credit card cost?

 

Price of a KBC Plus Account with a KBC Gold Credit Card

 

 

7.25 euros per month (3.25 euros for the KBC Plus Account, 4 euros for the credit card)

Cash withdrawal in euro

  • 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)

Cash withdrawal in other 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

Card details

Standard spending limit 5.000 euros
Preload or pay after Pay after
Fee per month 7.25 euros/month
Purchase protection and extended warranty insurance
Online shopping protection
Travel cancellation
Extended warranty for grey goods (PC, tablet, etc.)
Extra cover while travelling
Admission Ticket Cancellation Insurance
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I love shopping online and going on holiday. So, it's really good knowing that my KBC Gold Credit Card comes with travel cancellation insurance and additional protection if I buy something online. Believe me, it's such a reassurance.

Marijke De Snerck from Bost, Tienen

Apply for your credit card online

Important: If you don't use KBC Touch, contact your KBC Live.

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