Mastercard Standard Credit Card
Enjoy all the benefits of your Mastercard Standard
1% back on online card payments
Mobile, watch, or bracelet payments
Transfer money from card to account
Moneyback on your first transaction
At ease with everyday needs – and even the extraordinary ones…
Secure shopping
With your credit card, you pay first with the bank’s money and only afterward with your own. This way, your finances remain protected, and in case of misuse, the bank will support you beyond what the law requires.
Better control of your spending
Your credit card helps you separate expenses and keep a clear overview of your budget – especially during times when costs tend to rise.
Peace of mind when traveling
Your credit card makes payments abroad simple – whether booking accommodation or renting a car, where a deposit is required. Plus, for just EUR 35 a year, you can take advantage of comprehensive travel insurance.
- Credit limit 500 – 4 000 €
- Interest-free period 43 days
- Interest rate 18,90 %
- Maximum daily limit for cash withdrawals 1 500 €
Discounts and Rewards
Reward for payments – fee discount – by actively using your Mastercard Standard credit card, you can get up to a 100% discount on the monthly fee. Simply make payments totaling at least €500 within the billing period. Payments made with both the main and additional cards are included. More info in the document [PDF, 178 kB].
Money back – with the Mastercard Standard credit card you get 1% back on online purchases. The monthly reward from these payments can reach a maximum of €15. Applies to both the main and additional cards. More info in the document [PDF, 183 kB].
Merchant discounts – discover a world of benefits with your Mastercard and enjoy exclusive discounts and perks at www.mastercard.sk
Documents for download
Payments and transfers from the card
Secure online shopping
- When paying online with Google Pay or Apple Pay on your mobile, you do not need to enter your card details. No need to worry about typos or misuse of your data.
- If the online merchant does not accept Google Pay or Apple Pay, you can view all card details required for online payments directly in the VÚB Mobile Banking app – no plastic card needed.
- You can also easily change your limits for online payments free of charge via Nonstop Banking (Internet banking, VÚB Mobile Banking or through the call center).
- Online card payments are additionally confirmed with the 3D Secure security feature, which is part of the Nonstop Banking service. More about using 3D Secure.
- Shop safely – find tips on how to do it at www.vub.sk/bezpecnost
Mobile payments
- Pay quickly and conveniently with your phone or watch. You can register your card in Apple Pay or Google Pay easily and directly via the VÚB Mobile Banking app.
- You can also pay with your watch or bracelet through Garmin Pay, Xiaomi Pay or SwatchPAY!
- At the checkout, you no longer need to look for your wallet, your plastic payment card, or enter your PIN at the terminal. Simply hold your phone, watch, or bracelet close to the payment terminal and pay.
Card transfers
- Allows you to transfer money from the credit card account to any (SEPA) account via VÚB Internet/Mobile banking. A fee is charged for the transfer according to the current VÚB Price List.
Plastic-free card
A card that exists only in your mobile or watch.
All information about the plastic-free credit card.
Lost / stolen card
If your card is misused (unauthorized use, i.e. without using a PIN), we will reimburse your losses even beyond the legal requirements. You can also file a claim for undelivered online orders, canceled hotel reservations, or canceled flights. More at www.bezpecnenakupy.sk
Additional card
You can request multiple supplementary cards for your family members from the age of 15. A supplementary card shares the credit limit of the main card, or a separate limit that you set (up to the approved credit limit).
Payments made with supplementary cards count towards the volume required for the fee discount as well as for the payment rewards.
Credit card insurance
Cestovné poistenie
With both the main and supplementary Mastercard Standard credit card, you can purchase premium travel insurance worldwide, including coverage for mountain search and rescue, purchase protection, and extended warranty for purchased goods for €35 per year. This insurance also covers up to 5 additional fellow travelers in addition to yourself.
Within the travel insurance, coverage of medical expenses also applies to COVID-19 illness.
Travel Insurance – Documents
Loan repayment insurance
You also have the option to take out loan repayment insurance – credit card coverage in case of incapacity for work, permanent disability, or death.
Documents for loan repayment insurance
Flexible repayment and repayment schedule
You may choose how much to repay each month, provided that you pay at least the Minimum Payment by the monthly due date. The Minimum Payment is 3% of the outstanding balance plus any applicable fees and interest, subject to a minimum of EUR 3. You can make the repayment by bank transfer or by cash deposit (service fee according to the current price list). We recommend setting up the free Direct Debit for the Minimum Payment to ensure the required Minimum Payment is always made on time.
Online repayment — A repayment sent from a VÚB account via Internet/Mobile Banking is credited to the credit card immediately.
Repayment calendar [PDF, 235 kB] for the Mastercard Standard credit card.
Reprezentatívny príklad
With a Mastercard Standard credit card and a credit limit of €1,000, with an annual (basic) interest rate of 18.90%, the total amount payable will be €1,284.52, with a monthly instalment of €107.04. The APR will be 28.45% (the APR result is expressed to two decimal places).
Input assumptions for the Representative Example:
- The credit limit of €1,000 is provided for a period of one year, drawn in a single non-cash payment, and repaid in equal monthly instalments over 12 months.
- Monthly account maintenance fee of €3 (i.e. €36 per year).
Basic product characteristics
