Private
When to use a credit card?
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To replace your household property
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There is a good offer for the desired product
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To cover medical expenses
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For car repair
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Cash reserve for unforeseen expenditures
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For travelling
Credit card is a means of payment for everyday purchases, online purchases and travelling
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Charge card |
Instalment credit card |
Virtual card |
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| Needs | Everyday means of payment, unforeseen expenditures | Bigger expenditures | Online purchases, if for security reasons you do not wish to tie the debit or credit card with the payment. |
| Repayment | Entire used limit by the agreed date of the next month. | Used limit is repaid in monthly instalments according to agreed amounts. | N/A, as the available funds in the current account are used for payment. |
| Interest | Interest-free | Annual interest 16-18% on the used credit limit | Interest-free |
| Credit limit |
Min EUR 300 Max up to the net income of one month |
Min EUR 200 Max up to the net income of two months |
N/A; available funds in the current account are used up to the amount of EUR 3,500. |
| Net income | from EUR 640 | from EUR 400 | – |
| Monthly maintenance fee | EUR 1.60 | Free of charge | Free of charge |
| Read more | Read more | Read more |
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Charge card |
Instalment credit card |
| Needs | |
|---|---|
| Everyday means of payment, unforeseen expenditures | Bigger expenditures |
| Repayment | |
| Entire used limit by the agreed date of the next month. | Used limit is repaid in monthly instalments according to agreed amounts. |
| Interest | |
| Interest-free | Annual interest 16-18% on the used credit limit |
| Credit limit | |
|
Min EUR 300 Max up to the net income of one month |
Min EUR 200 Max up to the net income of two months |
| Net income | |
| from EUR 640 | from EUR 350 |
| Monthly maintenance fee | |
| EUR 1.60 | Free of charge |
| Read more | Read more |
Advantages: In Super+ and Family Plan, credit card interest is 2% less.
The plan includes:
- Free of charge European payments in Internet bank, standing payment orders, e-invoice with automated standing order, domestic predefined payments in ATM and mobile payments.
- Debit and credit cards (except for Gold and Platinum card) with no monthly fee.
Bankcard data can be conveniently changed in mobile bank
- Activating and blocking the card
- Changing the limit
- Permitting payments on the Internet
- Permitting contactless payments