KBC Credit Cards come in three main options: Classic, Silver, and Gold.
Each card offers different benefits, from basic features to premium travel insurance and higher spending limits.
This guide will help you compare KBC Credit Cards and choose the one that fits your financial needs.
Overview of KBC Credit Card Types
KBC Credit Cards are designed to meet different needs, whether you want a basic payment solution or premium travel perks.
Here's a quick breakdown of the Classic, Silver, and Gold options using key criteria:
KBC Classic Credit Card
A basic credit card for everyday purchases and online shopping.
- Annual Fee: Low (€15–€20 range)
- Credit Limit: Moderate, suitable for standard spending
- Travel Insurance: Not included
- Purchase Protection: Not included
- Rewards/Cashback: Limited or not included
- Best For: Budget-conscious users or first-time cardholders
KBC Silver Credit Card
A mid-range card offering balanced features and added protection.
- Annual Fee: Moderate (€30–€50 range)
- Credit Limit: Higher than Classic, fits frequent users
- Travel Insurance: Basic travel accident and cancellation cover
- Purchase Protection: Included for eligible purchases
- Rewards/Cashback: Occasional promotions and partner offers
- Best For: Regular users wanting more coverage without high fees
KBC Gold Credit Card
A premium card with full insurance coverage and high flexibility.
- Annual Fee: High (€80–€100 range)
- Credit Limit: High, ideal for large or international spending
- Travel Insurance: Extended coverage, including luggage and delays
- Purchase Protection: Stronger coverage and longer duration
- Rewards/Cashback: Available with better value and access
- Best For: Frequent travelers or users needing top-tier benefits
Eligibility Requirements by Card Tier
Before applying for a KBC Credit Card, it’s essential to know the basic eligibility criteria.
These requirements vary slightly depending on the card type, mainly in terms of income and usage history. Here's a quick list for each tier:
KBC Classic Credit Card
- Must be at least 18 years old
- Resident of Belgium
- Have a KBC current account
- Regular income (no specific minimum stated)
- Good credit standing
KBC Silver Credit Card
- Minimum age: 18
- Belgian residency and active KBC current account
- Stable monthly income (higher than Classic requirement)
- Positive credit history
- Suitable for users with moderate monthly spending
KBC Gold Credit Card
- At least 18 years old
- Belgian residency and long-term KBC customers preferred
- High, stable income level
- Excellent credit history
- May require account history or regular high usage to qualify
Application Process
Applying for a KBC Credit Card is straightforward and can be done online, via app, or in-branch.
To ensure a smooth process, gather the necessary documents before starting. Here’s how you can apply for any of the three card types:
Choose Your Card
- Decide between Classic, Silver, or Gold based on your needs and eligibility.
Gather Required Documents
- Valid ID (eID or passport)
- Proof of residence (e.g., utility bill)
- Proof of income (salary slips or tax documents)
- Active KBC current account
Apply via Preferred Channel
- Online: Through the KBC website under “My Credit Cards”
- Mobile App: Via KBC Mobile or Touch
- In-branch: Visit a local KBC branch for assistance
Complete and Submit Application
- Fill in personal details, contact information, and financial data.
- Choose credit limit and billing options.
- Review terms, agree, and submit.
Under Review
- KBC assesses eligibility, credit score, and income.
- You may be contacted for additional documents or clarification.
Receive Approval Notification
- Approval (or rejection) is usually within a few days.
- Upon approval, the physical card is mailed to your address.
Activate Your Card
- Activate via the KBC Mobile app or phone.
- Set your PIN at an ATM or in-app (if available).
Rewards and Cashback Benefits
KBC Credit Cards offer different levels of rewards depending on the card tier.
While not all cards include built-in cashback, some benefits may be available through special promotions or KBC partner programs.
Here's what to expect from each card:
KBC Classic Credit Card
- No built-in cashback program
- Occasional partner promotions may apply
- Not focused on rewards, mainly for standard use
KBC Silver Credit Card
- May include limited cashback offers from time to time
- Access to selected merchant discounts
- Occasional reward campaigns run through the KBC app
KBC Gold Credit Card
- Higher chance of ongoing cashback or loyalty rewards
- Better access to premium partner deals and travel-related perks
- May qualify for special offers when spending with travel or luxury retailers
Travel and Insurance Coverage
The cards offer various levels of travel and insurance benefits, depending on the card tier.
These features are especially useful for users who travel frequently or require protection for their purchases and trips. Here's what each card offers:
KBC Classic Credit Card
- No travel insurance included
- No luggage or cancellation coverage
- Not recommended for frequent travelers
KBC Silver Credit Card
- Basic travel accident insurance
- Coverage for trip cancellation or interruption
- Insurance applies when travel is paid with a card
KBC Gold Credit Card
- Extended travel insurance, including accidents and delays
- Coverage for lost or delayed luggage
- Includes rental car insurance and trip cancellation
- Higher claim limits compared to Silver
Pros and Cons of Each Option
Each KBC Credit Card has unique advantages and limitations based on features and fees.
Use this comparison to find the option that best matches your spending and lifestyle.
KBC Classic Credit Card
Pros:
- Low annual fee
- Simple and easy to manage
- Suitable for online and everyday purchases
Cons:
- No travel insurance
- No rewards or cashback
- Lower spending limit
KBC Silver Credit Card
Pros:
- Includes travel and purchase protection
- Balanced annual fee for features offered
- Suitable for regular users
Cons:
- Limited rewards compared to Gold
- Not ideal for frequent travelers
- Slightly higher fee than Classic
KBC Gold Credit Card
Pros:
- Comprehensive travel insurance coverage
- High credit limit
- Access to better rewards and partner perks
Cons:
- Higher annual fee
- May require a higher income to qualify
- Extra features may be unnecessary for low spenders
Contact Information
If you have questions about your KBC Credit Card or need assistance with your application, KBC offers several ways to get in touch.
Here are the main contact options available:
General Contact
- Phone (Belgium): 078 152 153 (Mon–Fri, 8 a.m. – 10 p.m.)
- From abroad: +32 78 152 153
- Website: KBC Belgium
Mobile App Support
- KBC Mobile Chat: In-app support available 24/7
- KBC Touch Helpdesk: Accessed via desktop or tablet
- Technical Support: Integrated help in the app settings
Mailing Address: KBC Group NV, Havenlaan 2, 1080 Brussels, Belgium
The Bottomline
KBC Credit Cards offer flexible options to suit various spending habits, ranging from basic to premium needs.
Whether you choose Classic, Silver, or Gold, each card provides secure payments and valuable features.
Compare your options and apply through KBC Mobile or your local branch to get started today.
Disclaimer
Information may change based on KBC policies and should be verified on their official platforms.
This article does not replace official financial advice.
