Credit Card

The KBC Credit Card offers you more.

  • More savings when you transfer from another bank
    0% interest on your transferred balance for the first 6 months from account opening when you switch - save an average €163* on a balance transfer of €2,000
  • More rewards when you shop
    Up to €10 cash reward every month on your grocery and online shopping
  • More convenience and flexibility 
    With Google Pay™, Apple Pay™, Fitbit Pay™ & Garmin Pay™ you don’t even have to get the card out of your wallet.
See below for details on each of these brilliant benefits.

Credit Card

2nd Applicant's Info

0% interest on your transferred balance for the first 6 months from account opening when you switch
That’s an average saving of €163* on a balance transfer of €2,000. Nice.
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.

1% Cash reward
When you spend, you get rewarded. 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.
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.

Tap Pay Done. 
Use your KBC credit card with Apple Pay™, Google Pay™, Fitbit Pay™ and Garmin Pay™. Just download the app and add your credit card. Then you are set to pay more easily and securely online and in-store, where you see the contactless symbol.

Check device compatability for Apple Pay™, Google Pay™, Fitbit Pay™ & Garmin Pay™ and find out more about payments on the go.

Avail of up to 56 days interest free if the balance is paid on time and in full every month.

Credit Card
Comparison calculator

See how much you could save with KBC

Please enter a value between €1-€20000

Please enter a value between €1-€2000


Please enter a value between 1-20

You will pay off your credit card 1 month faster with KBC

You could save


if you transfer your existing credit card balance to KBC.

While you wouldn’t appear to save given the details provided, please contact us to discuss your options.

KBC rate of interest 14% p.a variable, information correct as at 15 August 2017.

How to apply for a KBC Credit Card

Step 1: 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

Step 2: Once we have assessed your application we will contact you with a decision and advise on next steps.
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.

Contactless Payment

Contactless payment means you can just ‘tap and go’ if you’re buying anything costing less than €30.


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.


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 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.
Chargeback 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.


Managing your debt

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:

KBC Bank Ireland Arrears Support Unit - 1850 930 235

If your financial situation has changed recently or you are concerned about your finances, you can also contact the Money Advice & Budgeting Service (MABS) or visit their helpful website

MABS Helpline - 0761 07 2000

Increasing/Decreasing your credit limit

If you wish to find out how to change your credit card limit please contact us at 1890 93 92 44


Call into any KBC Hub


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 Box12485, 
KBC Bank Ireland plc, 
Sandwith Street Dublin 2.

Important Information

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.

*Here’s how we arrived at the figure of an average €163 saved on a balance transfer of €2000:

€2k Balance Transfer over 6 months is €163:
  • 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 17th August 2017.
Rates sourced from

Bank AIB be Card Bank of Ireland
Classic Card
Ulster Bank
Classic Card
KBC Credit
Interest Rate 

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

** To be eligible for the grocery reward, the retailer must be categorised under a ‘grocery’ merchant category code with MasterCard.

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.

All information, prices and rates are for guidance only and do not form part of a legal contract, agreement or understanding.
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)

Before being bound by a credit agreement, we are obliged to provide you with a standardised information document called the Standard European Consumer Credit Information (‘SECCI’) form. It is designed to give you the best overview of the key information and terms and conditions of any credit agreement you consider, allowing you to compare the offers of different credit providers and select the credit offer that works best for you. The SECCI contains important details such as: the type of credit, amount and costs of credit, the Annual Percentage Rate (APR), the number and frequency of payments, as well as a note on important legal aspects.

The Standard European Consumer Credit Information form for the KBC Credit Card can be found above under the Forms section.