Let’s get you the credit you deserve

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.

Switch to get 0% interest for six months from account opening.

Average Savings you could make by switching to KBC

We arrived at an average figure of €163 saved on a balance transfer of €2000 using the 3 competitor amounts below: 

AIB be: €161.32
BOI Classic: €156.61
Ulster Bank Classic: €172.38

Average saving is based on the average standard rate of three competitors as outlined below, does not take into account any introductory offers and assumes terms of the KBC 0% balance transfer offer are adhered to.

Information correct as at 21st January 2019. Rates sourced from www.bonkers.ie 

AIB be Card: 16.79% (APR22.90%)
Bank of Ireland Classic Card: 16.12% (APR 22.10%)
Ulster Bank Classic Card: 17.9% (APR 22.70%)
KBC Credit Card: 14% (APR 18.25%)

Savings are based on the amount transferred only and do not factor in minimum payments which will be required by other card providers.

Conditions of the offer
To avail of this offer, you must close your existing credit card account and provide the account closure letter to us within 90 days.

If we do not receive an account closure letter from your existing Bank you may lose the reduced interest rate. We may also close the Account without notice.

At the end of this 6-month period, the interest rate will revert to the standard interest rate applicable at that time.

The amount of the balance transfer may not exceed 80% of the approved credit limit.

Contactless payment means you can just ‘tap and go’ if you’re buying anything costing less than €50.

Add a Travel Note on your card: If you’re abroad, please let us know in advance to help us better protect your card from fraud without interruption to your service. Simply log on to the KBC app, select ‘Cards’ from the dropdown menu, then select ‘Travel Plans’. Alternatively, call our Customer Service Team on 1800 93 92 44 or pop into any KBC Hub before you go.

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