Warranties always seem to end when you need it the most. Wouldn't it be nice to have a longer warranty on your purchases? Extended warranties can come in handy in case of problems. It may sound too good to be true, but thanks to some credit cards dreams actually come true. Warranty credit cards match and exceed the length of a manufacturer's warranty on eligible purchases.
But how does it work? The extended warranty from your credit card will be activated once your manufacturer's warranty ends. From then on, you will have to present your claims to your credit card company, they will decide if they will repair or replace your purchase, or if they will reimburse you. But of course, they also have their limits. Claims for purchases with damages caused by normal wear and tear, riots, flood, accidental damage, inflicted or natural disaster will be dismissed.
The benefits:
- Shop and use with confidence;
- Enjoy your purchases fully;
- Live with one worry less, as your purchases are protected;
- Enjoy the fact that you don't need additional insurances for your expensive possessions.
What are the requirements? First of all, the item must be purchased with the credit card. Some credit card companies even require that you register your item with them. Furthermore, you have to be able to show proof of purchase and payment with your credit card.
Not all warranty credit cards are the same, they can differ in the coverage period, the excluded products, the deductibles, the claim process and/or the limit on the amount. What is the case with the Belgian warranty credit cards? Several credit cards give a lovely two years extra warranty on certain purchase, on top of the two years that is required by law. But for the details, you should dive into the terms and conditions of your warranty credit card of choice. Be sure to check the fine print. This way you will be prepared when something unexpected happens. Prepared for the unprepared. It may sound strange but it is true with the warranty credit cards.
What are the best warranty credit cards in Belgium? Read on to discover the extended warranty that several credit cards will offer you.
KBC Visa
- Get two years' warranty on certain purchases on top of the two years required by law
- Things you buy on your card are covered for up to 90 days after purchase for theft and accidental damage.
Card limit:
2500 eurosCosts:
22 euros/yearAPRC
12.44%KBC Silver (Flex) Credit Card offers a 2 years' additional warranty on your purchases on top of the statutory minimum and a 90-day purchases protection. Things you buy on your card are covered for up to 90 days after purchase for theft and accidental damage. If you pay just three euros per month for both your card and the KBC Plus Account.
The Silver Credit Card has a standard spending limit of 2,500 euros, making it suitable for occasional use. It makes it easy to book a holiday, shop online or finance purchases of up to 2,500 euros.
- Warranty
- Pay back in installments
- Contactless
KBC MasterCard Platinum
- Travel cancellation insurance included up to 10,000 euros
- Flight delay insurance up to 150 euros/person
- Lost baggage insurance between 250 euros and 750 euros
- Hire car excess insurance
- Things you buy on your card are covered for up to 90 days after purchase for theft and accidental damage.
- Online purchase protection for safe delivery of goods
- Cancellation insurance for your admission tickets up to 500 euro
- Get two years warranty on certain purchases on top of the two years required by law
Card limit:
7500 eurosCosts:
108 euros/yearAPRC
11.45%KBC Platinum Credit Card has a comprehensive insurance package with an excellent protection. With KBC Platinum Credit Card you get two years' warranty on certain purchases on top of the two years required by law. The spending limit of the card is 7500 euro and the monthly fees are only 9 euro including a KBC Plus Account.
If you are a frequent traveler the KBC Platinum Credit card could be ideal for you. It comes with a travel cancellation insurance cover. It also gives you flight delay, lost baggage and hires car excess cover. You can stagger repayment of what you spend on your credit card thanks to the KBC Flex Budget facility linked to your KBC Platinum Credit Card. This extra cash reserve can be repaid at your own pace. In exchange for a certain rate of interest, you choose how much you pay off every month.
- Insurance
- Warranty
- Hospital Allowance
- Pay back in installments
- Contactless