Business credit card

The KBC Mastercard Business Essential has a standard spending limit of 3,000 euros per month. If you prefer a different one, you can choose from five limits during the digital application process, namely 2,500 euros, 3,000 euros, 5,000 euros, 7,000 euros and 10,000 euros. For limits above 10,000 euros, you need to make an appointment at your local KBC branch.

If you want to change your credit card limit afterwards – either temporarily or permanently – get in touch with a KBC branch near you or contact KBC Live.

For businesspeople wanting to manage their business banking needs
The KBC Mastercard Business Essential Credit Card is the ideal card for making and managing business expenses quickly and securely worldwide and online. If you need to pay for your online ads, subscriptions, digital tools or other expenses, you can go about it without any constraints courtesy of this card.

For businesspeople who are often on the road
The cost of business travel, transport, dinners and other business expenses can quickly add up. What’s more, if you need to book a rental car, for instance, a deposit is often required (the amount in question is blocked on your credit card). That’s why a business credit card is essential not only for those who travel a lot for work, but also for emergency situations or unexpected expenses.

For business managers or employers with staff
You can apply for multiple KBC Mastercard Business Essential Credit Cards that are linked to the same current account (for example, for your colleagues or employees). Monthly billing statements enable you to keep track of spending and the amount available per card, thus increasing your administrative efficiency while letting you leaving payments to your employees.

You can apply for a credit card for a colleague, employee or someone else using KBC Mobile, KBC Touch and the KBC Business Dashboard. The person you request an additional card for does not have to be a KBC customer. You can link multiple credit cards to a current account, provided your application is approved.

You can use KBC Mobile, KBC Touch and the KBC Business Dashboard to:

• See your monthly billing statements
• Turn the contactless payment function on and off
• Specify where and when your card may be used (‘Europe’, ‘World excl. USA’, or ‘World’)
• Enable or disable your credit card for online purchases
• Apply for an additional credit card either for yourself or another card holder (e.g., a colleague or employee)
• Specify which staff members get billing statements and in what format (only possible in the KBC Business Dashboard)
  

Find out more about using your business credit card.

You will receive a billing statement each month in KBC Mobile, %product.touch%% and the %%product.businessdashboard%%. The closing date is always the 23rd calendar day of the month.

Yes, a business credit card is linked to your company and a business current account. If you want to apply for a KBC Mastercard Business Essential Credit Card, you must first open a KBC Business Pro Current Account.

You are protected against card fraud. No insurance policies are linked to the credit card.

You can use the KBC Mastercard Business Essential Credit Card to pay anywhere in the world accepting Mastercard. All you have to do is enter your PIN or add your signature, including online whenever the website features the ‘MasterCard Secure Code’ logo. Of course, you can also make contactless payments by holding your card against the payment terminal.

If you need cash, you can use your card at any ATM displaying the Mastercard logo, anywhere in the world. In countries outside the European Monetary Union, you automatically get a good exchange rate. You can withdraw up to 620 euros in cash (at an ATM) every four days.

Remember that withdrawing cash and paying abroad with your card can sometimes attract charges.

The KBC Mastercard Business Essential Credit Card is linked to a KBC Business Pro Current Account. If you’ve opened such an account, you can apply for your credit card online in KBC Mobile, KBC Touch and the KBC Business Dashboard:

In KBC Mobile:

1. Log in
2. Tap ‘My KBC‘ at the bottom of the screen and then ‘Business’ at the top
3.  Scroll to ‘Means of payment’ and tap ‘(+) New’
4. Select ‘Business credit card’
5. Select your business current account and then tap ‘KBC Mastercard Business Essential’
6. Follow the instructions

You can also get Kate to help you. Your digital assistant can be found in the top-right corner of KBC Mobile. Tap the icon and type: ‘I want to apply for a business credit card’.

In KBC Touch:

1. Log in
2. Select ‘Business’ at the top left of your screen
3. Go to ‘Payments’ and tap or click ‘(+) New’ next to ‘Credit Cards’
4. Select the current account to which you want to link your credit card
5. Select ‘KBC Mastercard Business Essential’
6. Follow the instructions

In KBC Business Dashboard:

1. Log in
2. Go to ‘Cards’ and tap or click ‘New credit card’
3. Select the current account to which you want to link your credit card
4. Select ‘KBC Mastercard Business Essential’
5. Follow the instructions

The closing date for all transactions on your credit card is the 23rd of each month. The amount to be repaid is debited from your KBC Business Pro Current Account automatically nine calendar days later.