KBC Credit Cards

Instalment Plan - Transactions over €500? Pay over 12, 18 or 24 months at a lower interest rate
Interest Free Days - Up to 56 days interest free if you pay your bill on time and in full each month
Low Interest Rate - Get a low interest rate of 14% (18.25% APR) with the KBC Credit Card

If you wish to find out how to change your credit card limit please contact us at 1800 93 92 44. 

You can also call into any KBC Hub or complete this form (pdf, 56 KB) to request an increased limit and send it, along with the required documents (if applicable) to us at the address below; 

KBC Credit Cards, 
FREEPOST,
PO Box 12485, 
KBC Bank Ireland plc, 
Sandwith Street,
Dublin 2.

Direct Debit
You can automatically pay your Credit Card bill each month by direct debit. You can choose to pay a minimum monthly amount of 5%, 25%, 50% (subject to a minimum amount of €5) or 100% of the balance due as set out in your monthly statement. To set up your direct debit please contact us on 1800 93 92 44. If you avail of a 100% direct debit, the amount collected on the payment due date will be the total balance outstanding i.e. purchases and any balance transferred to us. As a result you could lose the benefit of any promotional rates. 

Mobile App
You can set up your Credit Card as a bill payment in the KBC Mobile Banking App. Once you do, you can easily pay what you want to your Credit Card each month. To set up your Credit Card as a bill, login to the KBC Mobile Banking App and select the dropdown menu in the top left-hand corner. Select ‘Transfer’ and then select ‘Bills’ from the menu at the bottom of the screen. Select the ‘+’ button in the top right-hand corner to set-up a new bill. Select ‘Category’ and select ‘KBC Credit Card’. Ensure that you insert the 16 digit Credit Card number in the ‘Biller Reference’ section. Enter your PIN on the next screen and that’s it.

Credit Transfer
If you are transferring money to your KBC Credit Card using a credit transfer, you will need the IBAN and BIC number – these are on the front page of your Credit Card statement. You must also include your 16 digit Credit Card number in the description or reference box, to ensure that the payment is applied to your account.

Standing Order
You can automatically pay a set amount each month (this is a Standing Order). You will need the IBAN and BIC number – these are on the front page of your Credit Card statement. You will also need to include your 16 digit Credit Card number in the description or reference box, to ensure the payment is applied to your account.

Cheque
You can post your cheque to:
KBC Bank, P.O. Box 12485 Credit Cards, Sandwith Street, Dublin 2.
Just send in your cheque with the payment instruction on your statement and allow 8 business days for the payment to clear. Always write your 16 digit Credit Card number on the back of your cheque or draft.

How do I set up an Instalment Plan

Step 1:  Pay for the purchase on your KBC Credit Card. The purchase must be for €500 or more.

Step 2:  Contact KBC Card Services on 1800-93-92-44 to request a transfer of the purchase to the Credit Card Instalment Plan.

Representative Example
Purchase Amount: €500
Interest Rate: 8.64%
APR: 8.99%
Term: 12 months
Monthly Instalment Amount: €43.64
Cost of credit: €23.71
Total Amount repayable: €523.71

This is a representative example of a Credit Card Instalment Plan option at a variable rate of 8.64%. It is an estimate only and subject to rounding.

Some Important Information
You can have two Instalment Plans outstanding at any one time.Your instalment plan(s) cannot exceed 80% of your Credit Card limit.For a purchase to be eligible it must be allocated to the Instalment Plan by no later than the second monthly statement received after the date of purchase.

Your minimum payment due each month will be detailed on your statement and will include your Instalment Plan repayment.Your available credit limit will be reduced by the amount of the instalment plan availed of. Your credit limit will be progressively reinstated each month once the monthly instalment repayment is paid.

APR means Annual Percentage Rate.

Please refer to the Terms & Conditions for additional information.

Eligibility, Terms and Conditions apply.

With a KBC Credit Card we will give you 1% cash back on grocery and online purchases made with the card, up to €10 a month. This reward will be credited to your statement every month.

Please note that to be eligible for the grocery reward, the retailer must be categorised under a ‘grocery’ merchant category code with MasterCard.

At KBC we're here to help you manage your credit card payments. If you’re concerned about meeting repayments or if you’re experiencing financial difficulties, talk to us. We’re committed to finding a workable solution:

Credit Management Team
The Credit Management team helps customers who may be at risk of experiencing financial difficulties. If you are worried about your financial circumstances, please contact a member of the Credit Management team today on 01 664 6300. We are open from 9am to 5pm, Monday to Friday.

KBC Bank Ireland Arrears Support Unit
Please contact us on 0818 930 235 if your financial situation has changed recently or you are concerned about your finances.

MABS (Money Advice & Budgeting Service)
The Money Advice & Budgeting Service is a national, free, confidential and independent service for people in debt or in danger of getting into debt.
MABS Helpline: 0818 07 2000
Visit their website: www.mabs.ie

KBC Terms of Business (pdf, 35 KB)
KBC Credit Card Terms and Conditions (pdf, 424 KB)
KBC Credit Card Fees and Charges (pdf, 79 KB)
Standard European Consumer Credit Information (“SECCI”) for KBC Credit Card (pdf, 48 KB)