Important Customer Notice

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Important Customer Notice

KBC Bank Ireland would like to draw your attention to some important information.
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Important Information about your Credit Card

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Important Update

  • After the 15th July 2022 KBC will be no longer accept new applications for Credit Cards from non-KBC customers & existing KBC customers. If you have submitted an application on or before the 15th July 2022 it will be processed as normal.

  • If you have an existing KBC Credit Card, after 15 July 2022 existing customers can no longer apply for an increase to their credit limit.

  • For more information about what will be happening to your existing Credit Card please click here.

Let's talk benefits

Instalment Plan

Transactions over €500? Pay over 12, 18 or 24 months at a lower interest rate.

Be Rewarded

Earn 1% cashback (up to €10 per month) for online and grocery purchases.

Tap. Pay. Done!

Pay on the go with your Digital Wallet.

Switch & Save

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

Credit Card Comparison Calculator

Credit Card Comparison calculator

See how much you can save by transferring the balance of your existing credit card to a KBC Credit Card

While you wouldn't appear to save given the details provided, please contact us to discuss your options.
You will pay off your credit card
faster with KBC
You will pay off your credit card in
with KBC
You could save
if you transfer your existing credit card balance to KBC

A card for all your needs

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


Did you know you can have up to 4 free additional cardholders?

Here's how to apply

Over the phone

You’ll get us on the phone 7 days a week from 8am to 8pm Monday to Friday and 9am to 5pm on Saturday and Sunday.

In your Hub

There's no need to make an appointment, just pop in and meet the team!

On the App

From opening an account to ordering a replacement debit card - you can do it all with the KBC App.

Hello card control!

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Block it while you look for it, report it lost, get a digital replacement while waiting for your new card to arrive, get a PIN reminder, add a travel note and more, all through the KBC App.

Get the ball rolling by filling in our quick form

We’ll get back to you as soon as we’ve gone through it.

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The Need-to-Knows

Minimum payment is the greater of €5 or 5% of the statement balance.

Lending criteria, underwriting, and terms & conditions apply.

Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age. Government stamp duty of €30 is charged annually per account.

All information, prices and rates are for guidance only and do not form part of a legal contract, agreement or understanding.
  • 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, 
    PO Box 12485, 
    KBC Bank Ireland plc, 
    Sandwith Street,
    Dublin 2.
  • Complete the online application form above
    Or apply by phone on 1800 51 52 53
    Or apply in any KBC Hub
    Or apply through the KBC Mobile App if you are already a KBC Current Account customer.

    In order to process your application we may ask you to provide documentation to help us assess your ability to repay the credit facility, and to confirm your identity. From time to time we may ask you for further documents.

    If you are approved for a credit card through the KBC Mobile App, you will receive a digital card within one hour. Your digital card will contain the 16 digit card number together with the CVV (Card Verification Value) number on the reverse of the digital card so you can start using your digital card immediately. Your physical card and PIN will follow in the post.
  • 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.

    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.
  • 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 1st December 2020. Rates sourced from 

    AIB be Card: 16.79% (APR 22.90%)
    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.
  • 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.
  • For the foreign exchange rate, including all charges that are used by KBC for currency conversion please visit our Credit Card Currency Converter page for more information.
  • A Handy Representative Example
    Credit Card Purchases of €1,500 over 12 months
    Monthly instalment of €138.46
    Rate of interest 14% p.a variable
    Representative Annual Percentage Rate (APR) 18.25%
    Total cost of credit is €131.52
    The total amount repayable is €1,661.52 (including Government Stamp Duty of €30)
  • Mastercard
    We’ve partnered with Mastercard so you can use your KBC Credit Card in 36 million locations around the world. Just keep an eye out for the Mastercard logo.

    If you live the kind of life that likes rewards, you’ll love Priceless Ireland - exclusive experiences and offers for MasterCard holders. From priority bookings and special discounts, both at home and abroad, there are many benefits for you to enjoy.

    To start getting the most out of the city you live in and the countries you visit, simply visit to register and view current offers.Priceless rewards, just for having it! If you like rewards, you’ll love Priceless Ireland - exclusive experiences and offers for MasterCard holders. From priority bookings to special discounts, both at home and abroad, there are many benefits for you to enjoy. Visit to register and view current offers.

    KBC Masterpass allows you to store your card data and delivery address into a digital wallet which makes online shopping faster, easier and more secure. Register your card details here (Please note when you click the link you will be brought to the Masterpass website).

    Security Features 
    Your KBC MasterCard is a safe and convenient way to make payments. It’s also packed full of great security features to help put your mind at ease. 

    Zero Fraud Liability
    Things happen, don’t they? Anyone can lose their card or have it stolen. If it happens to you, don’t worry. You won’t be liable for any fraudulent charges.

    Pick a new PIN
    Want a new PIN because your current one is difficult to remember or you think someone else knows what it is? You can change it to something more memorable at any ATM.

    Unsurpassed Global Acceptance
    No other card is more widely accepted around the world. Wherever you go, you’ll be able to use it in-store, online and at 2 million ATMs. It’s the card you really can take anywhere.

    If you buy faulty goods, don’t get the service you paid for, become a victim of fraud, didn’t authorise a purchase, or a company goes bust before they’ve sent you the goods you’ve ordered, you could get your money back provided you claim within 120 days of your purchase.
  • 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:
  • 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.

    Apple, the Apple logo, iPhone, iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay, Apple Watch and Touch ID are trademarks of Apple Inc. Apple Pay on an iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, iPhone 7, iPhone 7 plus, iPhone SE, iPad Pro, iPad Air 2, iPad mini 4, iPad mini 3 running on iOS8.3, MacBook Pro with Touch ID. You can also use an Apple Watch if it is paired with an iPhone 5 or later.

    Android, Google Pay and the Google Pay logo are trademarks of Google LLC. Works with most compatible NFC Android devices running 5+ (Lollipop) or higher.

    Fitbit, Fitbit Pay, Fitbit Ionic and the Fitbit logos are trademarks or registered trademarks of Fitbit Inc.  Fitbit Pay lets you make payments on the go directly from your wrist with your Fitbit Ionic watch and works with the Fitbit app on any compatible device running Android 4.4 (or higher) or on iPhone 5 (or later).

    Garmin, the Garmin logo and the Garmin delta are trademarks of Garmin Ltd, or its subsidiaries and are registered in one or more countries.

    wena and the wena logo  are trademarks of Sony Ltd, or its subsidiaries and are registered in one or more countries.
  • The information provided by this calculator is for illustrative and guidance purposes only, is non-binding and is subject to change.  KBCI does not assess the suitability of the KBC Credit Card for your needs.   We do however assess the affordability of the credit card for you as part of the application.

    The use of the comparison calculator and the provision of an estimate of savings shall not be construed as an offer by KBCI of a Credit Card facility to you. 

    You are required to apply for a KBC Credit Card facility and lending criteria, terms and conditions apply. 

    The full terms and conditions applicable to an approved facility will be set out in the Credit Card Approval Letter and Personal Banking Terms and Conditions.

    KBCI accepts no liability or responsibility for any loss or damage caused or arising from or in connection with your use of the comparison calculator or any reliance you place on the estimate generated by the comparison calculator.