A credit card for use before, during and after your trip

Ready to make 2024 a holiday year to remember? Too right you do! Life is too short and the world too big to stay in the same old place all the time. Once you've decided on your next travel destination, you’ll want to book your trip. And that’s something you want to do with as little stress as possible.

If you book your holiday with a credit card:

• you are protected against fraud.
  
• you receive additional protection, thanks to the optional fee-based service and insurance packages linked to your credit card.
  

Still saving towards your dream holiday? What you put on your credit card is not debited from your account until the following month. You also have the possibility to spread your repayments over several months.

You never know when you might have to cancel or cut short your trip. To prepare for your trip with complete peace of mind, link the optional fee-based Travel package to your KBC Credit Card no later than 24 hours before booking your holiday and get covered for up to 10 000 euros in expenses.

Your credit card also comes in handy during your trip. That’s because you can pay at merchants and withdraw cash from ATMs worldwide using the Mastercard network. If you’re travelling outside the euro area, it’s often cheaper to withdraw larger sums of cash using a credit card.

When booking a hotel, car or activity, your credit card is usually requested as a guarantee. An amount is then temporarily reserved on it.

A credit card gives you full control over your spending because you can set your own limit. It also provides the financial flexibility you need in emergencies, such as when you face unexpected medical costs or unforeseen expenses.

If your luggage arrives later at the airport and you have to buy new clothes and toiletries as a result, you can claim under the Urgent purchases due to delayed luggage cover provided by the optional fee-based Travel package linked to your KBC Credit Card. You’ll then be reimbursed for any urgent purchases you need to make while waiting for your luggage.

If your hire car gets damaged or stolen, you will be reimbursed for the excess charges you’ve paid thanks to the Hire car excess cover provided under the optional fee-based Travel package linked to your KBC Credit Card.

It’s only natural that you’ll want to enjoy the afterglow of your holiday for as long as possible. So, additional costs that you may run up when your luggage gets lost, damage to your hire car, cancellations and other unforeseen events are the last thing you want to ruin your experience. Fortunately, you remain covered even after your trip thanks to the optional fee-based Travel package that can be linked to your KBC Credit Card.

Need a little more time to pay for your trip and what you’ve spent? If you’ve linked a KBC Flex Budget to your credit card, you can spread your repayments over several months.

Suffering from travel withdrawal symptoms? The best cure for this is to start planning a new trip. So, don't wait too long to book it.

The KBC Credit Card is your ideal travel companion and comes free with the KBC Basic Account and KBC Plus Account.

The KBC 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 026 256 A.

The KBC Flex Budget facility is an open-ended credit facility linked to the KBC Credit Card and used as an additional means of drawing credit.

Lender and card issuer: KBC Bank NV. Subject to your card or credit application being approved by KBC Bank NV.

All insurance cover referred to is subject to Belgian law. This insurance cover is a class-16 product (financial loss insurance).

KBC Bank has taken out Travel Package insurance with KBC Insurance. You are only entitled to compensation if you were already signed up to this insurance at the time of booking and paying for the travel or rental vehicle in the relevant contract and you were still covered by the insurance at the time of the claim event. You therefore must hold an active credit card and still be signed up to this Travel Package without interruption.

The insurance ends by operation of law when the contract between KBC Bank NV and the insurer is terminated. 

Credit card holders can sign up to the Travel Package at any time. Insurance cover starts on the first hour of the day following membership and lasts for a period of at least one year. After this period, you can withdraw from the insurance at any time by going through the digital process in KBC Mobile or by having its cancellation registered at a KBC Bank branch. 

The conditions of cover are available from any KBC branch or at www.kbc.be/en/creditcard. The applicable general conditions alone determine your right to compensation from the insurer.  The complete list of exclusions can be found in the general conditions. 

Your intermediary is the first point of contact for any complaints you may have. If no agreement can be reached, please contact KBC Complaints Management, Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. 016 43 25 94 or ombudsman@ombudsfin.be, www.ombfin.be. For complaints about insurance, you can contact the Belgian insurance industry's ombudsman service: Ombudsman van de Verzekeringen, de Meeûssquare 35, 1000 Brussels, info@ombudsman-insurance.be,  www.ombudsman-insurance.be. This does not affect your legal rights.