Discover the KBC Student Credit Card,
the card of more

With a KBC credit card you get:

How to apply for the KBC Student Credit Card

Please call our team on 1800 51 52 53 and they’ll talk you through it or drop into your local hub.

Applicants must be resident in Republic of Ireland, must be between the age of 18 and 27 and have held an active KBC Student Current Account for at least 3 months. You must also be a full time third level student attending an eligible Republic of Ireland third level institution for more than 21 hours each week. The duration of the course must be at least one academic year.

A maximum credit limit of €300 applies for 1st year students, and a maximum limit of €800 for 2nd year and above.

Lending criteria, underwriting, and terms & conditions apply.

Important Information

KBC Student 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.

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.
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
€500 8.64% 8.99% 12 months €43.64 €23.71 €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

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.

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)

Forms and documents

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.

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