Going abroad on holidays and want to use your card while you're away? You can use both KBC Touch and KBC Mobile to set where your credit card can be used: worldwide (excluding the US) is the standard setting. You can change this setting for use just in Europe or worldwide (including the US).
Just got a new credit card or only recently started using it? See how to get the most out of it.
You can use your credit card to make payments worldwide and online.

If you want to be able to use your card to pay for refuelling at a filling station, you’ll need to make sure that there's at least 125 euros on it. This is usually the amount filling stations hold as a reserve on your card (though it can be more than that). It comes off the available balance on your card even before you've finished filling up and the exact amount is known. The actual cost of your fill-up will be charged to your card a couple of days afterwards, when the reserve on your card is released.
You can also ask Kate, your digital assistant in KBC Mobile, to activate your card for making payments abroad.
- On your desktop or tablet
- Log in to KBC Touch
- Go to ‘Payments’
- Tap or click ‘... More’ at the top right
- Select ‘Credit cards’
- Select the card to be activated
- Tap or click ‘Manage card’
- Select where you want to use your card under 'Standard region'.
- Or select 'Temporary exception' to make your card temporarily usable in another region.
- On your smartphone
- Log in to KBC Mobile
- Tap ‘My KBC’
- Select your prepaid card under 'Means of payment'
- Tap the three dots at the top right
- Tap 'International card use'
- Select where you want to use your card under 'Standard region'.
- Or select 'Temporary exception' to make your card temporarily usable in another region.
- Ask Kate
- Log in to KBC Mobile
- Tap the Kate icon at the top right of your screen
- Type 'use card abroad'
Kate will help you right away.

Paying for items and withdrawing cash with your credit card is not always charge-free.
You can use your credit card to buy things from web stores. This function is enabled as standard. If you would rather it wasn't, you can easily disable it in KBC Touch or KBC Mobile.
- Log in to KBC Touch
- Go to ‘Payments’
- Tap or click ‘... More’ at the top right
- Select ‘Credit cards’
- Select the card to be activated
- Tap or click ‘Manage card’
- Select ‘Paying online’
- Indicate whether paying online is permitted or not
On your smartphone
- Log in to KBC Mobile.
- Tap ‘My KBC’
- Select your credit card or prepaid card under 'Means of payment'
- Tap the three dots at the top right
- Tap ‘Pay online’ to activate or deactivate this feature

You can use your prepaid card as standard to make contactless payments. If you'd rather not have this facility enabled, you can disable it in KBC Touch or KBC Mobile. You can also ask Kate, your digital assistant in KBC Mobile, to deactivate the contactless payment function.
You can check the balance on your credit card in KBC Touch or KBC Mobile (delay of one or more days).
You can check your transactions
- On your monthly billing statements
- Using KBC Touch or KBC Mobile when you tap or click the card number (you'll see the transaction amount, type, location, etc.)
Ask Kate to help you with your card
If you need to see your credit card transactions or the settlement date, just ask Kate, your digital assistant in KBC Mobile.
Ask Kate to help you with your card
Want to change your card's limit, activate your card for use abroad or need a new PIN? Just ask Kate, your digital assistant in KBC Mobile.
You can raise or lower the limit for your credit card in KBC Touch or in KBC Mobile. Any change you make takes effect right away.
Watch this demo to see how to change your credit card limit in KBC Mobile.
Did you know that...
... you can also raise your maximum limit directly twice a year, each time for a one-month period. Please note that this service is not available for credit cards with a KBC Flex Budget facility.
If you have a credit card with a KBC Flex Budget facility and still want to raise your spending limit over the maximum amount, you can use KBC Touch to pay off your credit balance faster and so have the amount of credit available to you again after a few days.
If you want to set a higher limit for your credit card permanently (with or without a KBC Flex Budget facility), contact your KBC branch.
- I know my current PIN
You can change your PIN at an ATM at any time. - I’ve forgotten my PIN
- Option 1: Ask Kate, your digital assistent in KBC Mobile to request a new PIN for you.
- Option 2: Request a new PIN in KBC Mobile
Go to ‘My KBC’, scroll to ‘Means of payment’ and select your credit card. Tap the three dots at the top of you screen, go to ‘Settings’, select ‘Manage PIN’, then ‘Choose a new PIN’ and follow the instructions. All you now need to do is choose a new PIN at one of our ATMs. - Option 3: Contact KBC Live or your KBC branch
We’ll make sure you can choose a new PIN at one of our ATMs or that a new one is posted to your home address.
Got a credit card with a KBC Flex Budget facility? The 'Manage credit' tab in KBC Touch lets you know in an instant
- How much credit you've already used (orange)
- How much is still available (green)
- How much you've spent in the month in question and what will be deducted from your facility the following month (yellow)
You can also use it to
- Transfer money to your KBC Current Account
- Transfer money to your KBC Flex Budget facility so that you can spend more on your credit card again
- Change the time you want to take to repay what you owe
Ask Kate to block your card
Kate, your digital assistant in KBC Mobile, will help you right away.
Or call Card Stop on 078 170 170
- Option 1: Ask Kate for a new PIN in KBC Mobile
- Option 2: Request a new PIN in KBC Mobile
Go to ‘My KBC’, scroll to ‘Means of payment’ and select your credit card. Tap the three dots at the top of you screen, go to ‘Settings’, select ‘Manage PIN’, then ‘Choose a new PIN’ and follow the instructions. All you now need to do is choose a new PIN at one of our ATMs. - Option 3: Contact KBC Live or your KBC branch
We’ll make sure you can choose a new PIN at one of our ATMs or that a new one is posted to your home address.
- Get in touch with your KBC branch or KBC Live.
- Or unblock your card yourself using KBC Mobile
- Log in to KBC Mobile
- Tap ‘My KBC’
- Select your credit card or prepaid card under 'Means of payment'
- Tap the three dots at the top right
- Tap 'Manage PIN'
- Enter your card’s expiry date. Then use your card in a high-street shop or at an ATM with the same PIN. Withdraw cash or pay in a shop to make your card work online again.
- Ask Kate
- Log in to KBC Mobile
- Tap the Kate icon at the top right of your screen
- Type 'unblock card'
Kate will help you right away.
Quickly replace your defective card using KBC Mobile.
- Log in to KBC Mobile
- Tap ‘My KBC’
- Select your credit card or prepaid card under 'Means of payment'
- Tap the three dots at the top right
- Tap ‘Block or replace’
- Select 'Replace your card' and follow the instructions
Or ask Kate
- Log in to KBC Mobile
- Tap the Kate icon at the top right of your screen
- Type 'replace card'
Kate will help you right away.
If you haven't started using our app yet, get in touch with your KBC branch or KBC Live.
We'll check your card and, if necessary, ensure that it is replaced as soon as possible.
Some traders reserve an amount on your credit card whenever you book, reserve or pay for something using your card. This may happen, for instance, when you book a room in a hotel or when you rent a car. The time the reserve is released varies from trader to trader, but can range from a few days to as long as a couple of weeks.
Use the information and forms below to make a claim.
Information
- Regulations and general insurance conditions for KBC Gold Credit Card
- General insurance conditions for KBC Gold Credit Card with a KBC Flex Budget
- Full list of items covered by the extended warranty
- Travel cancellation insurance FAQs
- General conditions for financial protection insurance
Claim forms
- Purchase protection and extended guarantee claim form
- Online purchase protection insurance claim form
- Travel cancellation insurance claim form, certification and guide
- Insurance Financial Protection: claims work disability/serious health problems
- Insurance Financial Protection: claims forced cash withdrawal/robbery
Information
- Regulations and general insurance conditions for KBC Platinum Credit Card
- General insurance conditions for KBC Platinum Credit Card with a KBC Flex Budget
- Full list of items covered by the extended warranty
- Travel cancellation insurance FAQs
- General conditions for financial protection insurance
Claim forms
- Purchase protection and extended guarantee claim form
- Online purchase protection insurance claim form
- Travel cancellation insurance claim form, certification and guide
- Additional expense for flight delays & missed connections insurance
- Urgent purchases for delayed baggage delivery insurance
- Hire car excess insurance
- Admission ticket cancellation insurance
- Insurance Financial Protection: claims work disability/serious health problems
- Insurance Financial Protection: claims forced cash withdrawal/robbery
The KBC Silver Credit Card, KBC Gold Credit Card and KBC Platinum Credit Card are credit cards 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.