Attention, borrowing money also costs money.
A credit card for use before, during and after your trip
A new year means new adventures and new places to explore! Wherever you’re going, make sure you’ve got the free KBC Credit Card that comes with your KBC Basic Account or KBC Plus Account, with you before, during and after your trip.
Booking a trip can seriously eat into your budget. With the KBC Credit Card, what you pay today won't be debited from your account until the following month, thus enabling you to save a little longer for the holiday of your dreams.
If you need more time, spread your repayments over several months by linking the KBC Flex Budget to your credit card. This is an extra cash reserve which you pay back at your own pace when you use it (you only pay interest on the amount outstanding).
When booking a hotel, a car or a day out, you’ll often be asked to put down a guarantee. That’s easily arranged with the KBC Credit Card: when you use your card as a guarantee, an amount is temporarily reserved on it without your available budget being affected.
The KBC Credit Card also gives you full control over the maximum amount you can spend on holiday, because you can choose your own limit (provided it has been approved first).
Tip: Protect your travel plans with the Travel Package
Book your trip with complete peace of mind by linking the optional, fee-based Travel Package to your KBC Credit Card. The package includes three forms of insurance cover (Travel cancellation, Urgent purchases due to delayed luggage and Hire car excess).
Thanks to the extensive Mastercard network, you can withdraw cash and make payments worldwide at millions of merchants and service providers. If you’re travelling outside the euro area, it’s often cheaper to withdraw larger sums of cash using a credit card.
The KBC Credit Card gives you the freedom to pay securely whenever and wherever you choose. Not only that, your spending is protected against fraud. Although fraud is uncommon, you are able to claim back scammed charges on your card.
If you are hit by an emergency (medical or otherwise) or are facing unexpected expenses, you can use the KBC Credit Card to cover the costs involved.
If you enjoy taking part in exclusive activities or buying high-end luxury goods when on holiday, you can link the optional, fee-based Luxury Package to your credit card. This package of services includes a Personal Lifestyle & Travel Manager who is available 24/7 to provide inspiration. And that’s not all – you also get access to airport lounges worldwide.
You get a complete overview of all your transactions in KBC Mobile and KBC Touch, which is useful when analysing your travel expenses and budgeting for future trips.
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.
If you’ve linked the optional, fee-based Travel Package to your credit card, you remain covered even after your trip. After all, 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.
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 with your KBC Credit Card!
You never know when you might have to cancel or cut short your trip. When you link the optional, fee-based Travel Package to your credit card no later than 24 hours before booking your holiday, you’re covered for up to 10 000 euros in expenses thanks to Travel cancellation insurance.
What’s covered?
- Sudden illness, accident or death
- Serious material damage to the main residence of the person signing up to the package
- Denial of necessary vaccinations for medical reasons, whether known in advance or not
- Denial of a visa despite the fact that the correct procedure was followed and a visa has never been refused before
What isn’t covered?
- Business trips
- Transport not used to travel to and from the holiday destination
- Cancellation or interruption due to medical conditions or injuries that existed at the time the trip was booked
- ...
If your luggage arrives later at the airport and you have to buy new clothes and toiletries as a result, Urgent Purchases due to Delayed Luggage cover reimburses you for any urgent purchases you need to make while waiting for your luggage.
What’s covered?
- Luggage delayed for more than 4 hours: compensation of up to 250 euros per trip for all the insured
- Luggage delayed for more than 48 hours: additional compensation of up to 500 euros per trip for all the insured
What isn’t covered?
- If you failed to hand over your luggage on departure or it was checked in too late
- When you fail to collect the luggage
- ...
If your hire car gets damaged or stolen, Hire car excess cover ensures you get reimbursed for the excess amount charged.
What’s covered?
- Excess of at least 100 euros (maximum amount of compensation is 2 500 euros per claim and per insurance year)
- Rental of a vehicle abroad for personal use for no more than 30 days
What isn’t covered?
- Any hire trailer excess
- Damage that was caused before or after the agreed rental period
- Use of the rental vehicle for professional purposes
- ...
Read these information documents carefully before signing up to the insurance
Good to know
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.
