Using your Visa credit card

Using your Visa credit card

Looking for a new credit card?

You can choose between several different KBC credit cards, each with its own features. Compare the options here and find the one that best suits you. You can then easily apply for your credit card online.

Do you have a KBC Visa Card?

KBC’s Silver (Flex) Visa Card is no longer being issued, as of 20 June 2017. If you have one, though, you can carry on using it as normal, with the same convenience as ever. All the features are summed up for you below:

Simple and secure payments, including online

You can pay securely anywhere: in restaurants, hotels, online, at home and abroad thanks to the Visa network. You can also withdraw money from any ATM displaying the Visa logo.

Extra insurance for your purchases

  • Extended warranty: this insurance is linked to your Visa card and adds a further two years to the statutory 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 refunded to you.
  • Purchase protection: this insurance covers 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, as damage of this kind is covered too.

What are the main exclusions?

  • Damage caused intentionally by you
  • Ordinary wear and tear

Generous spending limit

A Visa Card from KBC has a standard spending limit of 2,500 euros a month.

More options with KBC Flex Budget

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.

How much does your Visa card with KBC cost?

Price of KBC Plus Account with a KBC Silver Credit Card

3 euros per month (2 euros for the KBC Plus Account, one euro for the credit card)

Optional contribution for Financial Protection insurance (only available with KBC Flex Budget)
  • 0.35% per month (for one insured)
  • 0.65% per month (for twp insured)

of the amount of credit used

 

Withdrawing cash in euros

 

  • At an ATM: 1% of the amount, with a minimum charge of five euros
  • Over the counter at a bank or bureau de change located abroad: 2% with a minimum charge of five euros

Withdrawing cash in a foreign currency

 

  • At an ATM: 1% of the amount (with a minimum charge of five euros) + 1.6% commission
  • Over the counter at a bank or bureau de change located abroad: 2% (with a minimum charge of five euros) + 1.6% commission
Transfers to your own current account (only available with a KBC Silver Flex Credit Card)**
  • 1% of the amount (with a minimum charge of 5 euros)

**Not applicable to credit cards taken out on or after 29 August 2016

Good to know

Purchase protection insurance and extended warranty

  • The insurer is London General Insurance Company Ltd., with its offices in Twenty Kingston Road, Staines-upon-Thames, Surrey, TW18 4LG, United Kingdom, licensed under code 987 to provide insurance services for the coverage of accidents (01a), sickness (02), property damage (09) and financial loss (16) via its branch office at Steenpoeldreef 11, 1850 Grimbergen, Belgium.
  • The administrator is TWG Services Ltd., with its offices in Twenty Kingston Road, Staines-upon-Thames, Surrey, TW18 4LG, United Kingdom, supervised by the British Financial Conduct Authority and registered under number 312440, with a branch in the Netherlands, conducting business there under the name The Warranty Group Europe, the Netherlands, with its offices at Paasheuvelweg 1, 1105 BE Amsterdam, conducting business in Belgium within the framework for the free provision of services, and authorised to act as an insurance intermediary, acting in this regard as administrator for account of London General Insurance Company Ltd.
  • Your KBC Bank branch is the first point of contact for any complaints you may have about this advertisement. If no agreement can be reached, please contact KBC Complaints Management, Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. 0800 62 084 (free of charge) or + 32 78 15 20 45 (charges apply), fax + 32 16 86 30 38.
  • If you are still unable to reach an appropriate resolution, you can submit a complaint about this advert to the Mediation Service Banks - Credit - Investments, Belliardstraat 15-17 bus 8, 1040 Brussels, tel. + 32 2 545 77 70, fax + 32 2 545 77 79, e-mail ombudsman@ombfin.be.
  • If you have any complaints concerning these insurance policies, you can contact London General Insurance Company Limited, c/o The Warranty Group Europe, F.A.O. the Management, Uitbreidingstraat 84, 2600 Berchem, or send an e-mail to info.be@thewarrantygroup.com.
  • If no satisfactory solution can be reached, you can contact the Belgian insurance industry's ombudsman service: Ombudsman van de Verzekeringen, de Meeûssquare 35, 1000 Brussels, info@ombudsman.as, www.ombudsman.as.

For the optional financial protection insurance

  • Financial Protection Insurance is an insurance contract that KBC has taken out with KBC Insurance NV, with registered office at Professor Roger Van Overstraetenplein 2, 3000 Leuven, Belgium. VAT No. BE 0403.552.563, RLP Leuven, IBAN BE43 7300 0420 0601, BIC KREDBEBB. Company licensed for all insurance classes under code 0014 (Royal Decree of 4 July 1979, Belgian Official Gazette of 14 July 1979) by the National Bank of Belgium, de Berlaimontlaan 14, 1000 Brussels, Belgium. Member of the KBC group
  • You must have signed up for the insurance to be able to make a claim.
  • You can submit a claim under the insurance as long as your credit card is active and you have paid the card fee. Cover ends automatically when the contract between KBC NV and the insurer is cancelled.
  • The conditions of cover are available from all KBC branches and at www.kbc.be/regulations. They alone determine your right to compensation from the insurer.
  • Your KBC branch is the first point of contact for any complaints you may have about this advertisement. If no agreement can be reached, you can contact KBC Complaints Management by post at Brusselsesteenweg 100, 3000 Leuven, by e-mail at complaints@KBC, by telephone on 0800 620 84 (free number) or + 32 78 15 20 45 (pay number), or by fax on + 32 16 86 30 38. If you have a complaint concerning this advertisement and cannot reach a suitable resolution, you can contact the Mediation Service (Banks-Credit-Investments) by post at Belliardstraat 15-17 box 8, 1040 Brussels, by telephone on +32 2 545 77 70, by fax +32 2 545 77 79, or by e-mail at ombudsman@ombfin.be.
  • If you have a complaint with regard to insurance, you can contact the Belgian insurance industry's ombudsman service: Ombudsman van de Verzekeringen, de Meeûssquare 35, 1000 Brussels, info@ombudsman.as, www.ombudsman.as.
  • The insurance contract is subject to Belgian law.

For all insurance

  • 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.
  • All described insurance policies are subject to Belgian law.
  • This insurance policy is a class 16 product (insurance against miscellaneous financial loss).
  • You must register for the insurance policy in order to benefit from its cover. Registration is free of charge, except for the Financial Protection Insurance.
  • The conditions of insurance cover are available under ‘Learn more’ and from any KBC Bank branch. The general conditions alone determine your right to compensation from the insurer.

The KBC Silver 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 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.

The annual percentage rates of charge of 12.44% for a KBC Silver Credit Card with KBC Flex Budget are calculated on the basis of the following assumptions:

  • *the standard credit amount is 2,500 euros for a KBC Silver Credit Card with KBC Flex Budget;
  • *the stated credit amount is drawn down immediately and in full by means of payment at a retailer; paying at retailers within the SEPA is the most common way the card is used;
  • *the variable debit rate of interest stands at 10,09% for a KBC Silver Credit Card with KBC Flex Budget;
  • *the fee for the credit card is 22 euros for a KBC Silver Credit Card with KBC Flex Budget;
  • *the credit has a term of one year;
  • *the credit amount is repaid in equal monthly instalments (at the end of each period); debit interest is calculated based on projected credit use and principal repayments. 

Attention, borrowing money also costs money

Was this page useful to you? Yes No

An overview of everything for your family in KBC Touch

An overview of everything for your family in KBC Touch

If you've insured yourself and your family, and also taken out leisure insurance, those policies appear here, along with your instalment loans.
KBC Mobile frequently asked questions (FAQ)

KBC Mobile frequently asked questions (FAQ)

Have questions about KBC Mobile? See answers to the most frequently asked questions.
Save and invest using KBC Mobile

Save and invest using KBC Mobile

Have 24/7 access to your current and savings accounts in the palm of your hand.
Extra benefits of your credit card

Extra benefits of your credit card

Secure payment, travel cancellation insurance, extended warranty, peace of mind when travelling, plus the benefits of Visa or Mastercard, all thanks to your credit card.