Using your credit card

Got a question about your credit card? We'll be happy to help you further

Using your credit card

Got a question about your credit card? We'll be happy to help you further

Just got a new credit card or only recently started using it? See how to get the most out of it.

What are the benefits of my credit card?

Pay worldwide, including online

You can use your credit card to make payments worldwide and online.

Can I use my credit card to pay at filling stations?

tanken met kredietkaart

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.

Pay abroad

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).

How do I activate my credit card for use abroad?

On your desktop or tablet
 
  1. Log in to KBC Touch
  2. Go to ‘Payments’
  3. Tap or click ‘... More’ at the top right
  4. Select ‘Credit cards’
  5. Select the card to be activated
  6. Tap or click ‘Manage card’
  7. Select where you want to use your card under 'Standard region'.
  8. Or select 'Temporary exception' to make your card temporarily usable in another region.


 

On your smartphone

  1. Log in to KBC Mobile
  2. Tap ‘My KBC’
  3. Select your prepaid card under 'Means of payment'
  4. Tap the three dots at the top right
  5. Tap ‘Settings’
  6. Tap 'International card use'
  7. Select where you want to use your card under 'Standard region'.
  8. Or select 'Temporary exception' to make your card temporarily usable in another region.

How much does it cost to withdraw cash and make payments abroad?

kosten kredietkaart

Paying for items and withdrawing cash with your credit card is not always charge-free.

Learn more about the charges for using your credit card

Pay online

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.

How do I activate or deactivate the 'pay online' function?

On your desktop or tablet
 
  1. Log in to KBC Touch
  2. Go to ‘Payments’
  3. Tap or click ‘... More’ at the top right
  4. Select ‘Credit cards’
  5. Select the card to be activated
  6. Tap or click ‘Manage card’
  7. Select ‘Paying online’
  8. Indicate whether paying online is permitted or not


 

On your smartphone

  1. Log in to KBC Mobile.
  2. Tap ‘My KBC’
  3. Select your credit card or prepaid card under 'Means of payment'
  4. Tap the three dots at the top right
  5. Tap ‘Settings’
  6. Tap ‘Pay online’ to activate or deactivate this feature

Pay by contactless

contactloos betalen maestro

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.

Find out more about contactless payments.

Withdraw cash wherever you see the Mastercard logo

logo Mastercard

You can withdraw up to 620 euros every four days. This can be done from any ATM in Belgium or abroad where you see the Mastercard logo.

How do I check my balance and transactions?

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.)
     

How can I manage my credit card (online)?

How do I change my credit card limit?

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.

How do I change the PIN for my credit card?

How do I manage and adjust my KBC Flex Budget facility?

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
 

Problems?

logo card stop

What to do if your credit card is lost, stolen or retained by an ATM?

Block your card immediately with KBC Mobile if it gets lost or stolen, or call Card Stop on 070 344 344 (0.30 euros a minute).


To be on the safe side, you should also block your card if it’s retained by an ATM.
More information on blocking your credit card

What to do if you forget the PIN for your credit card?

Get in touch with your KBC branch or KBC Live.

We’ll make sure that you can either:

  • set a new PIN at an ATM, or
  • arrange for a new one to be posted to your home address

What to do if your credit card has been blocked?

Get in touch with your KBC branch or KBC Live.


Or unblock your card yourself using KBC Mobile:
  1. Log in to KBC Mobile
  2. Tap ‘My KBC’
  3. Select your credit card or prepaid card under 'Means of payment'
  4. Tap the three dots at the top right
  5. Tap ‘Settings’
  6. Tap 'Unblock PIN'
  7. Enter your card’s expiry date. Then use your card in a high-street shop or at an ATM with the same PIN
  8. Withdraw cash or pay in a shop to make your card work online again

What to do if your credit card is defective?

Quickly replace your defective card using KBC Mobile.

  1. Log in to KBC Mobile
  2. Tap ‘My KBC’
  3. Select your credit card or prepaid card under 'Means of payment'
  4. Tap the three dots at the top right
  5. Tap ‘Settings’
  6. Tap ‘Block or replace’
  7. Select 'Replace your card' and follow the instructions

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.

Not enough money on account?

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.

How do I report a claim?

Use the information and forms below to make a claim.

KBC Silver Credit Card

KBC Gold Credit Card

KBC Platinum Credit Card

We're here to help

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.

Attention, borrowing money also costs money