Platinum Mastercard with extensive protection

KBC Platinum Credit Card

  • Comprehensive travel insurance
  • Extensive protection for what you buy on your card
  • Highest standard spending limit of 7,500 euros a month

Platinum Mastercard with extensive protection

KBC Platinum Credit Card

  • Comprehensive travel insurance
  • Extensive protection for what you buy on your card
  • Highest standard spending limit of 7,500 euros a month

What is a credit card?

A credit card is a payment card that lets you pay for things or withdraw cash at home and abroad. Payments by credit card don’t leave your account straightaway, but are rather charged to your account at a fixed time every month.

Why might a Platinum Mastercard credit card be useful?

Mastercard PLatinum

Are you a frequent traveller? Our Platinum Mastercard could be ideal for you. It comes with travel cancellation insurance and lets you get extra cover while travelling.

This card also gives you our highest spending limit and lets you get extra cover for purchases you make on your card.

What are the benefits of a Platinum Mastercard credit card?

Select a benefit for more details.

Protection when travelling

1. Travel cancellation insurance

There’s always a chance you can’t go on holiday or you have to interrupt it because of troubles at home such as a member of your family being admitted to hospital. This travel cancellation insurance covers the costs of cancelling personal trips that you have paid for using a KBC Brussels payment method. If you’re already on holiday and have to return early, you’ll receive compensation for the number of days’ holiday you miss. You are covered for claims of up to 10,000 euros.

What’s excluded?

  • Cancellations or interruptions due to non-stable medical disorders or injuries that already existed when the trip was booked
  • Claims that are the result of an excessive use of alcohol or medication or drugs, which were not prescribed by a doctor

Good to know

  • Travel Cancellation Insurance is provided by KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium. VAT BE 0403.552.563 – RLP Leuven – IBAN BE43 7300 0420 0601 – BIC KREDBEBB. Company licensed by the National Bank of Belgium, de Berlaimontlaan 14, 1000 Brussels, Belgium, for all classes of insurance under code 0014 (Royal Decree of 4 July 1979; Belgian Official Gazette of 14 July 1979). Member of the KBC Group
  • The conditions of insurance cover are available under 'Learn more' (at www.kbcbrussels.be/en/platinum) and from any KBC Bank branch. The applicable general conditions alone determine your right to compensation from the insurer.
  • You can submit any advertising complaints you may have to complaints@kbcbrussels.be, tel. 0800 62 084 or ombudsman@ombudsfin.be, www.ombudsfin.be. You can submit any insurance complaints you may have to complaints@kbcbrussels.be, tel. 0800 62 084 or info@ombudsman.as,  www.ombudsman.as.
  • You must register for the insurance policy in order to benefit from its cover. Signing up is free of charge. 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.
  • Belgian law applies.
  • This insurance is a class 16 product (financial loss insurance).
  • For a quote, please contact your KBC Brussels insurance intermediary.

2. Flight delay insurance

If your flight is delayed by more than four hours, flight delay insurance covers you for expenses incurred for food and drink or additional overnight accommodation for up to 150 euros per person. 

Exclusions include:

  • Delays due to a protest, strike or trade union action
  • Situations where equivalent alternative transport was available

Good to know

  • Additional Expense for Flight Delays & Missed Connections Insurance is provided by KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium. VAT BE 0403.552.563 – RLP Leuven – IBAN BE43 7300 0420 0601 – BIC KREDBEBB. Company licensed by the National Bank of Belgium, de Berlaimontlaan 14, 1000 Brussels, Belgium, for all classes of insurance under code 0014 (Royal Decree of 4 July 1979; Belgian Official Gazette of 14 July 1979). Member of the KBC Group
  • The conditions of insurance cover are available under 'Learn more' (at www.kbcbrussels.be/en/platinum) and from any KBC Bank branch. The applicable general conditions alone determine your right to compensation from the insurer.
  • You can submit any advertising complaints you may have to complaints@kbcbrussels.be, tel. 0800 62 084 or ombudsman@ombudsfin.be, www.ombudsfin.be. You can submit any insurance complaints you may have to complaints@kbcbrussels.be, tel. 0800 62 084 or info@ombudsman.as,  www.ombudsman.as.
  • You must register for the insurance policy in order to benefit from its cover. Signing up is free of charge. 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.
  • Belgian law applies.
  • This insurance is a class 16 product (financial loss insurance).
  • For a quote, please contact your KBC Brussels insurance intermediary. 

3. Lost baggage insurance

If your baggage has gone missing when you arrive, lost baggage insurance covers you for expenses incurred for urgent purchases of necessary replacement clothing and toiletry articles. Depending on the situation, you’ll be entitled to compensation of between 250 euros and 750 euros.

Exclusions include:

  • Uncollected baggage
  • Baggage checked in too late

Good to know

  • Urgent Purchases for Delayed Baggage Delivery Insurance is provided by KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium. VAT BE 0403.552.563 – RLP Leuven – IBAN BE43 7300 0420 0601 – BIC KREDBEBB. Company licensed by the National Bank of Belgium, de Berlaimontlaan 14, 1000 Brussels, Belgium, for all classes of insurance under code 0014 (Royal Decree of 4 July 1979; Belgian Official Gazette of 14 July 1979). Member of the KBC Group
  • The conditions of insurance cover are available under 'Learn more' (at www.kbcbrussels.be/en/platinum) and from any KBC Bank branch. The applicable general conditions alone determine your right to compensation from the insurer.
  • You can submit any advertising complaints you may have to complaints@kbcbrussels.be, tel. 0800 62 084 or ombudsman@ombudsfin.be, www.ombudsfin.be. You can submit any insurance complaints you may have to complaints@kbcbrussels.be, tel. 0800 62 084 or info@ombudsman.as,  www.ombudsman.as.
  • You must register for the insurance policy in order to benefit from its cover. Signing up is free of charge. 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.
  • Belgian law applies.
  • This insurance is a class 16 product (financial loss insurance).
  • For a quote, please contact your KBC Brussels insurance intermediary. 

4. Hire car excess insurance

If the car you hired abroad has been damaged or stolen, hire car excess insurance repays you the excess that the rental company’s car insurer charges you.

Exclusions include:

  • Travel warnings issued for your destination at the start of the trip
  • Trailers

Good to know

  • Hire Car Excess Insurance is provided by KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium. VAT BE 0403.552.563 – RLP Leuven – IBAN BE43 7300 0420 0601 – BIC KREDBEBB. Company licensed by the National Bank of Belgium, de Berlaimontlaan 14, 1000 Brussels, Belgium, for all classes of insurance under code 0014 (Royal Decree of 4 July 1979; Belgian Official Gazette of 14 July 1979). Member of the KBC Group
  • The conditions of insurance cover are available under 'Learn more' (at www.kbcbrussels.be/en/platinum) and from any KBC Bank branch. The applicable general conditions alone determine your right to compensation from the insurer.
  • You can submit any advertising complaints you may have to complaints@kbcbrussels.be, tel. 0800 62 084 or ombudsman@ombudsfin.be, www.ombudsfin.be. You can submit any insurance complaints you may have to complaints@kbcbrussels.be, tel. 0800 62 084 or info@ombudsman.as,  www.ombudsman.as.
  • You must register for the insurance policy in order to benefit from its cover. Signing up is free of charge. 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.
  • Belgian law applies.
  • This insurance is a class 16 product (financial loss insurance).
  • For a quote, please contact your KBC Brussels insurance intermediary.

Protection for what you buy on your card

5. Extended warranty and purchase protection insurance

Protect your purchases with a Platinum Mastercard from KBC Brussels

  • Extended warranty: this cover adds a further two years to the two-year warranty required by law.
  • Purchase protection: this cover protects 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, that’s covered too.

What’s excluded?

  • Damage caused intentionally by you
  • Ordinary wear and tear

Good to know

 

  • The insurer is London General Insurance Company Ltd., established at Twenty Kingston Road, Staines-upon-Thames, Surrey, TW18 4LG, United Kingdom, licensed under code 987 to provide insurance services for covering financial losses (class 16) via its branch office in Belgium, located at Steenpoeldreef 11, 1850 Grimbergen.
  • The administrator is TWG Services Ltd., established at Twenty Kingston Road, Staines-upon-Thames, Surrey, TW18 4LG, United Kingdom, regulated by the British Financial Conduct Authority and registered in the UK under number 312440, with a branch in the Netherlands, conducting business there under the name The Warranty Group Europe, Nederland, established at Paasheuvelweg 1, 1105 BE Amsterdam, conducting business in Belgium within the framework of the free provision of services and licensed under code number 39900 A to act as an insurance intermediary, acting in this regard as administrator on behalf of London General Insurance Company Ltd.
  • The conditions of insurance cover are available under 'Learn more' (at www.kbcbrussels.be/en/platinum) and from any KBC Bank branch. The applicable general conditions alone determine your right to compensation from the insurer.
  • You can submit any advertising complaints you may have to complaints@kbcbrussels.be, tel. 0800 62 084 or ombudsman@ombudsfin.be, www.ombudsfin.be. You can submit any insurance complaints you may have to info.be@thewarrantygroup.com or info@ombudsman.as,  www.ombudsman.as.
  • You must register for the insurance policy in order to benefit from its cover. Signing up is free of charge. 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.
  • Belgian law applies.
  • This insurance is a class 16 product (financial loss insurance).
  • For a quote, please contact your KBC Brussels insurance intermediary.

 

6. Online purchase protection insurance

This cover provides you with additional protection for online purchases in the EU or US. If the refrigerator you buy online is damaged on delivery or the wrong product is delivered and the supplier refuses to accept responsibility, we’ll make sure that you get your money back.

Be careful with online stores offering products at very low prices; they’re often not to be trusted. Check the accreditation of unknown online stores to see whether they are trustworthy and read their customers reviews.

What’s excluded?

  • Damage caused intentionally by you
  • Hidden defects

Good to know

  • Online Purchase Protection Insurance is provided by KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium. VAT BE 0403.552.563 – RLP Leuven – IBAN BE43 7300 0420 0601 – BIC KREDBEBB. Company licensed by the National Bank of Belgium, de Berlaimontlaan 14, 1000 Brussels, Belgium, for all classes of insurance under code 0014 (Royal Decree of 4 July 1979; Belgian Official Gazette of 14 July 1979). Member of the KBC Group
  • The conditions of insurance cover are available under 'Learn more' (at www.kbcbrussels.be/en/platinum) and from any KBC Bank branch. The applicable general conditions alone determine your right to compensation from the insurer.
  • You can submit any advertising complaints you may have to complaints@kbcbrussels.be, tel. 0800 62 084 or ombudsman@ombudsfin.be, www.ombudsfin.be. You can submit any insurance complaints you may have to complaints@kbcbrussels.be, tel. 0800 62 084 or info@ombudsman.as,  www.ombudsman.as.
  • You must register for the insurance policy in order to benefit from its cover. Signing up is free of charge. 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.
  • Belgian law applies.
  • This insurance is a class 16 product (financial loss insurance).
  • For a quote, please contact your KBC Brussels insurance intermediary. 

7. Admission ticket cancellation insurance

If your buy tickets to a sporting event or concert, but are unexpectedly sick, this insurance reimburses you for the unused tickets for up to 500 euros.

What’s excluded?

  • Exchangeable tickets
  • Season tickets

Good to know

  • Admission Ticket Cancellation Insurance is provided by KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium. VAT BE 0403.552.563 – RLP Leuven – IBAN BE43 7300 0420 0601 – BIC KREDBEBB. Company licensed by the National Bank of Belgium, de Berlaimontlaan 14, 1000 Brussels, Belgium, for all classes of insurance under code 0014 (Royal Decree of 4 July 1979; Belgian Official Gazette of 14 July 1979). Member of the KBC Group
  • The conditions of insurance cover are available under 'Learn more' (at www.kbcbrussels.be/en/platinum) and from any KBC Bank branch. The applicable general conditions alone determine your right to compensation from the insurer.
  • You can submit any advertising complaints you may have to complaints@kbcbrussels.be, tel. 0800 62 084 or ombudsman@ombudsfin.be, www.ombudsfin.be. You can submit any insurance complaints you may have to complaints@kbcbrussels.be, tel. 0800 62 084 or info@ombudsman.as,  www.ombudsman.as.
  • You must register for the insurance policy in order to benefit from its cover. Signing up is free of charge. 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.
  • Belgian law applies.
  • This insurance is a class 16 product (financial loss insurance).
  • For a quote, please contact your KBC Brussels insurance intermediary.

Plus

8. Highest spending limit

The standard spending limit is set at 7,500 euros and we can always discuss any higher limit you might feel the need for.

9. Flexible repayments

Your credit card spending is generally deducted from your account in one go in the next month. If you want to spread your repayments over several months, link your KBC Brussels credit card to a KBC Brussels Flex Budget. 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.

Learn more about a KBC Brussels Flex Budget

10. Payments and cash withdrawals worldwide

You can pay securely where Mastercard is accepted in restaurants, hotels, online, abroad or wherever you are.

11. Contactless payments

This lets you pay using your credit card without having to enter its PIN. All you have to do is hold your card against the terminal. If you’d sooner not, you can disable the option in KBC Brussels Touch.

Find out more about contactless payments.

12. Optional ATM assault and robbery, life, work disability and hospitalisation insurance

You can add our optional financial protection insurance for a small fee each month. This covers you:

  • If you are forced by violence or under threat of violence to withdraw cash at an ATM or if you are robbed within 24 hours of withdrawing cash at an ATM
  • If you die (any outstanding balance on the date of death will be covered)
  • If you are completely unfit for work for more than two months (solely for persons who carry out a regular professional activity), the compensation being equal to the minimum monthly repayment required by law (i.e. 5.6% of the outstanding balance), plus the monthly member contribution payable during the period of total work disability
  • If you are admitted to hospital for at least seven consecutive days (solely for persons who don’t or no longer have a professional activity), the compensation being twice the minimum monthly repayment required by law (i.e. 5.6% of the outstanding balance), plus the monthly member contribution payable

Exclusions include:

  • Work disability resulting from drug use or drunkenness
  • Financial loss resulting from a forced cash withdrawal or robbery following a cash withdrawal is due to a deliberate act or complicity on the part of the insured person, persons living with him/her, or blood relatives or relatives by marriage in the direct line

Cost 

  • One insured person: 0.35% of the utilised credit amount each month
  • Two insured persons: 0.65% of the utilised credit amount each month

Good to know

  • KBC Brussels Financial Protection Insurance is provided by KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium. VAT BE 0403.552.563 – RLP Leuven – IBAN BE43 7300 0420 0601 – BIC KREDBEBB. Company licensed by the National Bank of Belgium, de Berlaimontlaan 14, 1000 Brussels, Belgium, for all classes of insurance under code 0014 (Royal Decree of 4 July 1979; Belgian Official Gazette of 14 July 1979). Member of the KBC Group
  • The conditions of insurance cover are available under 'Learn more' (at www.kbcbrussels.be/en/platinum) and from any KBC Bank branch. The applicable general conditions alone determine your right to compensation from the insurer.
  • You can submit any advertising complaints you may have to complaints@kbcbrussels.be, tel. 0800 62 084 or ombudsman@ombudsfin.be, www.ombudsfin.be. You can submit any insurance complaints you may have to complaints@kbcbrussels.be, tel. 0800 62 084 or info@ombudsman.as,  www.ombudsman.as.
  • You must register for the insurance policy in order to benefit from its cover. Signing up is free of charge. 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.
  • Belgian law applies.
  • The insurance includes life and total work disability cover.
  • For a quote, please contact your KBC Brussels insurance intermediary.

What does a Platinum Mastercard credit card cost?

KBC Brussels Plus Account with a KBC Platinum Credit Card

9 euros a month (2 euros for the KBC Brussels Plus Account, 7 euros for the credit card)

Withdrawing cash in euros

  • At an ATM: 1% of the amount, with a minimum charge of 5 euros
  • Over the counter at a bank or bureau de change located abroad: 2% with a minimum charge of 5 euros

Withdrawing cash in a foreign currency

  • At an ATM: 1% of the amount (with a minimum charge of 5 euros) + 1.6% commission
  • Over the counter at a bank or bureau de change located abroad: 2% (with a minimum charge of 5 euros) + 1.6% commission

How do you apply for a Platinum Mastercard credit card?

Apply for your credit card online

Log in on KBC Brussels Touch from your PC or tablet
If your application is approved, your can sign digitally
Your credit card is posted to you

If you don't use KBC Brussels Touch yet, contact KBC Brussels Live.

How can you use a Platinum Mastercard credit card?

KBC Brussels 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 with registered office at Havenlaan 2, 1080 Brussels, Belgium, VAT BE 0462.920.226, RLP Brussels, FSMA 026256 A. Subject to your card or credit application being approved by KBC Bank NV.

The annual percentage rates of charge of 11,45% for a KBC Platinum Credit Card with KBC Brussels Flex Budget are calculated on the basis of the following assumptions:

  • *the standard credit amount is 7,500 euros for a KBC Platinum Credit Card with KBC Brussels 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 8,63% for a KBC Platinum Credit Card with KBC Brussels Flex Budget;
  • *the fee for the credit card is 88 euros for a KBC Platinum Credit Card with KBC Brussels 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

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