Credit Card

The KBC Credit Card offers you more.

  • A Credit Card Instalment Plan option so you can spread the cost of larger transactions into smaller monthly payments at a great  rate! 
  • Savings when you transfer your balance from another bank 
  • Rewards on your grocery and online shopping 
  • Convenience and flexibility with Google Pay™Apple Pay™, Fitbit Pay™ , Garmin Pay™& wena pay™
See important info below
Credit Card
2nd Applicant's Info

Features of the KBC Credit Card

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 30th September 2020.

Please note that this comparison calculator is only for illustrative and guidance purposes only. Read important information about the Credit Card Comparison Calculator.

Important Information

KBC Credit Card conditions

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

Lending criteria, underwriting, and terms & conditions apply (T&Cs can be found under the Forms section).

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.

How to apply for a KBC Credit Card

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.

Easy Ways to Pay your Credit Card

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.
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.
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.

Credit Card Instalment Plan Option

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

Representation Example
Purchase Amount Interest Rate APR Term Monthly Instalment Amount Cost of credit Total Amount repayable
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.

0% Balance Transfer Offer

Average Savings you could make by switching to KBC
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 BOI Classic Ulster Bank Classic
€161.32 €156.61  €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

Bank AIB be Card Bank of Ireland Classic Card Ulster Bank Classic Card KBC Credit Card
Interest Rate 16.79% 16.12% 17.9% 14%
APR 22.90% 22.10% 22.70% 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.

1% Cash Reward

 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.

Comparison Calculator

This comparison calculator is only for illustrative and guidance purposes to provide an estimate of the savings that could be made between a KBC Credit Card and alternative credit card providers. The estimate is based on the limited information you have provided and does not consider your individual financial circumstances. The estimated savings does not take account of any introductory offers offered by competitors or cash rewards and does not factor in the minimum payments which will be required by card providers. It assumes that you have inputted the correct interest rate for your existing credit card, if you are unsure of this please check this with your existing credit card provider. The estimated savings is based on the balance transferred to the KBC Credit Card at 0% interest for 6 months only and does not include transactions that may be carried out on the KBC Credit Card.

KBC Bank Ireland plc (“KBCI”) makes no representation or warranty as to the suitability of the KBC Credit Card for your needs.  The estimate of savings is not binding on KBC Bank Ireland plc and is subject to change. KBC Bank Ireland 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.

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.

Representative Example

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 and MasterPass

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.
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:

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 1850 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: 0761 07 2000

Visit their website:

Increasing/Decreasing your credit limit

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

Digital Services

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.

Credit Card Currency Converter

For the foreign exchange rate, including all charges that are used by the KBC for currency conversion please visit our Credt Card Currenecy Converter page for more information.