Using your credit card

Got a question about your credit card? We'll be happy to help you further

Using your credit card

Got a question about your credit card? We'll be happy to help you further

Just got a new credit card or only recently started using it? See what you can do with your credit card.

How can I manage my credit card (online)?

How do I change my credit card limit?

You can raise or lower the limit for your credit card in KBC Brussels Touch or in KBC Brussels Mobile. When you change it in KBC Brussels Mobile, it takes effect right away.

Did you know that...

... you can also raise your maximum limit directly in KBC Brussels Mobile twice a year, each time for a one-month period. Please note that this service is not available for credit cards with a KBC Brussels Flex Budget.

If you have a credit card with a KBC Brussels Flex Budget facility, you can use KBC Brussels Touch to pay off your credit balance faster and so have the amount of credit available to you again after a few days.

If you want to have a permanent higher limit for your credit card (with or without a KBC Brussels Flex Budget facility), you will need to contact your bank branch.

How do I change the PIN for my credit card?

I know my current PIN
You can change your PIN at an ATM at any time.
I've forgotten my PIN
Get in touch with your bank branch or with KBC Brussels Live and request a new PIN.

How do I activate or deactivate the 'contactless payment' facility?

You can use your credit card as standard to make contactless payments.
If you would rather not have this facility enabled, you can disable it in KBC Brussels Touch or KBC Brussels Mobile. Just tap or click your credit card and go to the 'Manage card' tab.

How do I activate or deactivate the 'pay online' function?

You can use your credit card to buy things from web stores. This function is enabled as standard. If you would rather it wasn't, you can easily disable it in KBC Brussels Touch or KBC Brussels Mobile. Just tap or click your credit card and then go to the 'Manage card' tab.

How do I pay abroad?

Going abroad on holidays and want to use your card while you're away? You have the ability to set where your credit card can be used in both KBC Brussels Touch and KBC Brussels Mobile: worldwide use (excluding the US) is the standard setting. You can change this setting for use just in Europe or worldwide (including the US).

How do I activate my card for use abroad?

On your desktop or tablet

1. Log in to KBC Brussels Touch
2. Select the card to be activated
3. Select 'Manage card'
4. Select 'Can be used as standard in'
5. Select where you want to use your card as standard and whether it is being activated temporarily or permanently

On your smartphone

1. Log in to KBC Brussels Mobile
2. Swipe left and select the card to be activated
3. Tap 'Manage' to the right under the amount specified for your card
4. Tap 'International card use’ to choose where your card can be used as standard and whether it is being activated temporarily or permanently
 

How do I manage and adjust my KBC Brussels Flex Budget facility?

Got a credit card with a KBC Brussels Flex Budget facility? The 'Manage credit' tab in KBC Brussels Touch lets you know in an instant:

• how much credit you've already used (orange)
• how much is still available (green)
• how much you've spent in the month in question and what will be deducted from your facility the following month (yellow)

You can also us it to:

• transfer money to your KBC Brussels Current Account
• transfer money to your KBC Brussels Flex Budget facility so that you can spend more on your credit card again
• change the time you want to take to repay what you owe

Problems?

Forgotten the PIN for your credit card?

Contact your branch or KBC Brussels Live.

We’ll make sure that you can either:

• set a new PIN at an ATM, or
• arrange for a new one to be posted to your home address

Not enough money on account?

Some traders reserve an amount on your credit card whenever you book, reserve or pay for something using your card. This may happen, for instance, when you book a room in a hotel or when you rent a car. The time the reserve is released varies from trader to trader, but can range from a few days to as long as a couple of weeks.

Unable to pay online?

Check in KBC Brussels Touch or KBC Brussels Mobile to see whether your credit card has been activated for paying online.

What if your credit card is lost, stolen or retained by an ATM?

Call Card Stop immediately on +32 070 344 344 if your card is lost or stolen (0.30 euros/minute).
To be on the safe side, you should also block your card if it's retained by an ATM.

More information on blocking your credit card

Credit card blocked?

Contact your branch or KBC Brussels Live.

Credit card defective?

• Quickly replace your defective card in KBC Brussels Mobile.
To do this, go to the 'Manage card' tab for your credit card.

• If you haven't started using our app yet, get in touch with your bank branch or with KBC Brussels Live.
We'll check your card and, if necessary, ensure that it is replaced as soon as possible.

If you've requested a credit card and want it sent to your home address, it generally takes four days to reach you.
If you still haven't received it some time later, contact your KBC Brussels branch or KBC Brussels Live.

Cards may be refused for various reasons. To find out more, go to https://www.mijnkaart.be/index/nl_BE/5631287/0000/Wat-als-uw-kaart-niet-werkt.htm (Dutch) or https://www.macarte.be/index/fr_FR/5641044/0000/Que-faire-si-votre-carte-ne-fonctionne-plus.htm (French)

KBC Brussels credit card and KBC Prepaid Card: via www.mijnkaart.be (Dutch) or www.macarte.be (French), you can file a complaint or request transaction details. The procedure to follow is clearly described for you. Just complete the electronic form.

How do I use my credit card?

Can I withdraw cash using my credit card?

You can withdraw up to 620 euros every four days.

This can be done from any ATM in Belgium or abroad where you see the Mastercard logo.
Don't forget that withdrawing cash with your credit card costs you more in fees.

Find out how much it costs to withdraw cash with your credit card

Can I use my credit card to pay at filling stations?

If you want to be able to use your card to pay for refuelling at a filling station, you’ll need to make sure that there's at least 125 euros on your card. This is usually the amount filling stations hold as a reserve on your card (though it can be more than that). It comes off the available balance on your card even before you've finished filling up and the exact amount is known. The actual cost of your fill-up will be charged to your card a couple of days afterwards, when the reserve on your card is released.

How do I check my balance and transactions?

You can check the balance on your credit card in KBC Brussels Touch or KBC Brussels Mobile (delay of one to more days).

You can check your transactions:

• on your monthly billing statements
• using KBC Brussels Touch or KBC Brussels Mobile when you tap or click the card number: you'll see the transaction amount, type, location, etc.

How much does it cost to withdraw cash or make payment using my credit card?

Paying for things and withdrawing cash with your credit card is not always charge-free.

Learn more about the charges for using your credit card

Claim on your insurance with us

Use the information and forms below to make a claim. If you’re not sure whether your claim is covered, contact KBC Brussels Live.

KBC Silver Credit Card

KBC Gold Credit Card

KBC Platinum Credit Card

Charges for using your KBC Brussels credit card abroad

We're here to help

Attention, borrowing money also costs money

Why use a credit card?

Why use a credit card?

Do you travel abroad? Are you planning some major purchase? Or do you need to expand your budget? That's when a credit card always comes in handy.
Silver Mastercard with purchase protection

Silver Mastercard with purchase protection

Secure payments: worldwide + online. 2 years' extra warranty. 90-day purchase protection. High spending limit.
How do I get my PIN by text message?

How do I get my PIN by text message?

How do I get my PIN by text message?
Guide to KBC Brussels Mobile

Guide to KBC Brussels Mobile

Find out all about KBC Brussels Mobile