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Product details info
Product name:KBC Credit Card
Card type:Mastercard
Using your credit card abroad info
Non-euro cash withdrawals as % of transaction value:1.5% (minimum €1.90) + 2% currency conversion fee. If the account is in credit after the cash withdrawal is processed, only the currency conversion fee of 2% will be applied.
Non-euro purchases fee as % of transaction value:2% currency conversion fee

Rates info
Annual (nominal) interest rate charged on cash withdrawals:20.0%
Annual (nominal) interest rate charged on purchases:14.0%
APR charged on purchases:18.25%Footnote 1 v
Fees & charges info
Android Pay:€0.00
Apple Pay:€0.00
Cash advance fee as % of transaction value:1.5% (minimum €1.90). No cash advance fee applies if the account is in credit after the cash withdrawal is processed.
Contactless payments:Not applicable - no fee charged for this facility
Duplicate statement fee:€5.00
Late payment fee:€7.00
Over credit card limit fee:€7.00
Replacement of lost/stolen card:€6.00
Replacement of PIN:€0.00
Unpaid item fee:€7.00

Introductory rate offers info
Introductory rate on balance transferred:0% for 6 months
Introductory rate on new purchases:None
Terms and conditions info
Maximum interest-free period on cash:0 days
Maximum interest-free period on purchases:56 days
Minimum qualifying salary:€20,000

Other details
  • The APR is based on a credit limit of €1500, paid back in 12 instalments and includes stamp duty of €30 per annum.
  • This Credit Card currently offers a 1% reward on all grocery and online purchases subject to a monthly cap of €10. For full terms and conditions please see
Benefits info
Android Pay:Yes
Apple Pay:Yes
Contactless Payments:Yes


  1. The representative APR is based on a credit limit of €1500 paid back in 12 monthly instalments. This also includes Government stamp duty of €30 per annum. ^

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All Information correct as at 23 May 2017

Personal Finance Queries, Competition and Consumer Protection Commission, 4 Harcourt Road, Dublin 2.
Lo-call 1890 432 432 (Opening hours from 9am to 6pm Monday to Friday)

Consumer Help