Changes from 16 April 2026 – Longer interest-free period

a { text-decoration: none; color: #464feb; } tr th, tr td { border: 1px solid #e6e6e6; } tr th { background-color: #f5f5f5; } Up to 50 days to repay purchases a { text-decoration: none; color: #464feb; } tr th, tr td { border: 1px solid #e6e6e6; } tr th { background-color: #f5f5f5; } From 16 April 2026, the interest-free period will be extended from the original 43 to up to 50 days. This means you will have more time to repay the used amount without interest. The instalment direct debit remains set as before; only the due date changes. The change will take effect for the first time in the cycle starting 1 April 2026, and the new due date will be 21 April 2026. New repayment schedule for the Mastercard World credit card for 2026 [PDF, 199 kB]

Changes from 16 April 2026 – Birthday moneyback

a { text-decoration: none; color: #464feb; } tr th, tr td { border: 1px solid #e6e6e6; } tr th { background-color: #f5f5f5; } Up to 100 € back on your birthday The maximum amount of the birthday moneyback increases from 15 € to 100 €. It still applies that you get 4 % back from all card payments on your birthday — whether you pay online or in a physical store. Enjoy the day when all your payments pay off more! Public commitment for receiving the birthday benefit, valid from 16 April 2026 [PDF, 228 kB]

Changes from 16 April 2026 – 1% Moneyback

a { text-decoration: none; color: #464feb; } tr th, tr td { border: 1px solid #e6e6e6; } tr th { background-color: #f5f5f5; } a { text-decoration: none; color: #464feb; } tr th, tr td { border: 1px solid #e6e6e6; } tr th { background-color: #f5f5f5; } a { text-decoration: none; color: #464feb; } tr th, tr td { border: 1px solid #e6e6e6; } tr th { background-color: #f5f5f5; } 1% back on accommodation and flights The focus of the monthly moneyback is changing so that it helps you more with travelling and planning trips. Instead of online payments, from 16 April 2026 you will receive 1% back on payments for accommodation and flights , up to 20 € per month. This includes hotels, guesthouses, campsites, booking.com, airbnb.com, as well as flights themselves and additional services provided by airlines. The reward does not include payments in hotel restaurants or bars, nor payments made through travel agencies, agencies, or travel intermediaries. New statutes of the Moneyback loyalty programme for the Mastercard World credit card, valid from 16 April 2026 [PDF, 198 kB]

Changes from 16 April 2026 – Cash withdrawal without a fee

a { text-decoration: none; color: #464feb; } tr th, tr td { border: 1px solid #e6e6e6; } tr th { background-color: #f5f5f5; } a { text-decoration: none; color: #464feb; } tr th, tr td { border: 1px solid #e6e6e6; } tr th { background-color: #f5f5f5; } a { text-decoration: none; color: #464feb; } tr th, tr td { border: 1px solid #e6e6e6; } tr th { background-color: #f5f5f5; } First withdrawal free of charge From 16 April 2026, your first posted cash withdrawal in each billing cycle will be free of charge (2 % of the transaction, min. 8 €) – at any ATM. The benefit applies separately to the main card and to supplementary cards. At the same time, it is important to know that the interest-free period does not apply to cash withdrawals from a credit card, and therefore they are interest-bearing from the posting date. Simply put – your first cash withdrawal is always on us. Public commitment for the first cash withdrawal free of charge, valid from 16 April 2026 [PDF, 195 kB]

Changes from 16 April 2026 – Discount on your next Booking.com reservation

a { text-decoration: none; color: #464feb; } tr th, tr td { border: 1px solid #e6e6e6; } tr th { background-color: #f5f5f5; } Up to 7 % back from the booking price With the Mastercard World credit card, you can get up to 7 % back from the price of accommodation on Booking.com in the form of credits that you can use for future trips or reservations, up to a maximum of 200 €. Procedure for claiming the benefit on the Booking.com website [PDF, 1 412 kB]

Airport lounges – entry conditions

a { text-decoration: none; color: #464feb; } tr th, tr td { border: 1px solid #e6e6e6; } tr th { background-color: #f5f5f5; } Even in 2026, you can use one free entry in any lounge in the LoungeKey network (until the end of 2026). Each additional entry is available at a preferential price of 30 €. You can easily find lounges in the LoungeKey app or on the LoungeKey website. The LoungeKey network also includes popular airport lounges in Bratislava and Vienna. Public commitment regarding the LoungeKey service is available in this document [PDF, 184 kB] . For a supplementary card, one free entry to any LoungeKey airport lounge worldwide also applies from 1 January to 31 December 2026. However, for the supplementary cardholder to receive free entry, it is necessary to present their own card upon entry—either the physical card or the card displayed in the LoungeKey app.

LoungeKey: At the lounge reception I was told my entry was free, and yet I was charged a fee on my credit card.

a { text-decoration: none; color: #464feb; } tr th, tr td { border: 1px solid #e6e6e6; } tr th { background-color: #f5f5f5; } With your credit card, you never pay any fee at the lounge reception. You will be admitted even if you have already used your free entry. In that case, we will charge the lounge entry fee additionally to your card account later (at the earliest in the following month), which you will see on your statement.

Fee discount: How can I get a discount on the monthly fee for MC World?

a { text-decoration: none; color: #464feb; } tr th, tr td { border: 1px solid #e6e6e6; } tr th { background-color: #f5f5f5; } The conditions for a discount on the monthly fee for maintaining the card account are as follows: 50% discount with a payment volume of 500 €/month 100% discount with a payment volume of 1 000 €/month TIP: Payments made with supplementary cards are also included in the payment volume. You can now pay by card, for example, energy bills or insurance premiums. You can find detailed information in the Statute of the “Reward for Payments” loyalty programme for the MC World credit card. [PDF, 211 kB]

Mastercard World credit card

Worldwide travel insurance

Worldwide travel insurance for you and up to 5 travel companions

Access to airport lounges

Access to airport lounges across the globe

24/7 free online medical consultation

24/7 free online medical consultation – whenever you need it

Mastercard Assistant

Can book flights, find a handyman, or choose the perfect gift

Moneyback

5% moneyback on your first credit card transaction

A credit card is useful every day, at home and while traveling.

Protects your money

When you pay with a credit card, you use the bank’s credit first, helping to protect your own money. In case of misuse, the bank will support you even beyond legal requirements.

Helps you handle unexpected situations

A credit card gives you a financial buffer for unexpected expenses or great opportunities — such as a cheaper flight or a car repair.

Covers you and up to 5 of your travel companions

With your credit card, you receive free insurance. It can help in situations such as lost luggage, medical complications abroad, or even when skiing or hiking at home.

Ensures extra comfort while traveling

Airport lounges in the LoungeKey network – 1 free entry per year, additional visits at a preferential price of EUR 30.
Mastercard Assistance Services – help with reservations, recommendations, and price comparisons.
Online doctor consultations via uLekara.sk – free of charge, available anytime, even before traveling abroad.

Detail information

Credit limit 1 500 – 20 000 €
Interest-free period 43 days
Interest rate 17,90 %
Maximum daily limit for cash withdrawals 2 000 €

Discounts & Rewards

Reward for payments – fee discount
Conditions for a discount on the monthly fee for maintaining the card account:

50 % discount when the payment volume is 500 € /month
100 % discount when the payment volume is €1 000 € /month

TIP: Payments made with supplementary cards are also included in the payment volume. You can now pay by card, for example, energy bills or insurance premiums as well.

More information in this document [PDF, 211 kB].

Money back – with the Mastercard World credit card, you get 1 % back on online payments. The monthly reward from these payments can be up to a maximum of 20 € per month. This applies to payments made with both the main and supplementary card. More information in this document [PDF, 203 kB].

Birthday – in addition, for all card payments made on your birthday, you get 4 % back, with a maximum reward of 15 €. More information in this document [PDF, 128 kB].

Discounts at merchants – discover a world of benefits with your Mastercard card and use exclusive discounts and benefits at www.mastercard.sk.

Dokumenty na stiahnutie

Feb 23, 2024 Užitočné informácie ku karte PDF, 1.07 MB

VIP Airport Lounges

With our Mastercard World credit card, you have access to more than 1 400 airport lounges in the LoungeKey network.

In any lounge in the LoungeKey network, you can use one entry free of charge (from 1 January to 31 December 2026); each additional entry is available at a preferential price of 30 €. You can easily find lounges in the app or on the LoungeKey website.

We recommend downloading the LoungeKey app and registering your Mastercard World credit card (main or supplementary) there. When registering the card, you must enter your full card number, expiry date and CVC code; afterwards, an authorization of 1 € will be made to verify the validity of your card (the payment will be reversed).

The app will generate a digital card in the form of a QR code, which you simply present when entering the lounge. It is convenient and fast, since you always have your phone with you.

You do not have to download the LoungeKey app, and you can present your physical plastic card when entering.

Public commitment regarding the LoungeKey service is available in this document [PDF, 184 kB].

Credit Card with Travel Insurance

Card Fees Include Insurance

The primary card comes with premium global travel insurance, including mountain search and rescue insurance, purchased goods protection insurance, and extended warranty on purchased goods. This insurance covers yourself and 5 additional travel companions. You can also purchase the same insurance policy for supplementary cards for 40 € /year.

The travel insurance covers medical expenses associated with COVID-19.

Documents for travel insurance for credit cards

Loan Protection Insurance

You can also take out loan protection insurance – a credit card in case of incapacity for work, permanent disability or death. The cost of the insurance is set in the current VÚB, a.s. Price List.

Loan Protection Insurance Documents

Supplementary Card

With your primary card, you can also apply for multiple supplementary cards for all your loved ones 15 or older. Supplementary cards share the credit limit of the primary card, or the limit you set for each (up to the approved credit limit).

Payments from supplementary cards count towards the amount for the card fee discount, and also towards payment rewards.

Card Payments & Money Transfers

Shopping Online Safely

Card payments online are subject to additional verification via 3D Secure, part of the Nonstop Banking service. Learn more about using 3D Secure.
View all the card details you need for online payments in the VÚB Mobil banking app – you don't need the plastic card for this.
You can also change the limits for online payments easily, free of charge, and online via Nonstop banking services (Internet banking, VÚB Mobil banking, or through the call centre)
Learn more about safe shopping at www.vub.sk/bezpecnost

Mobile Payments

Pay with your smartphone or smartwatch quickly and with ease. You can easily register your card for Apple Pay or Google Pay directly from your VÚB Mobil Banking app.
You can also pay with your smart watch or bracelet using Garmin Pay, Xiaomi Pay and SwatchPAY!
No need to fish for your wallet and dig through it to find your plastic payment card at checkout anymore, nor to enter your PIN to the payment terminal. Just like a regular bank card, simply tap your smartphone, watch, or bracelet to the payment terminal.

Money Transfers from your Credit Card

transfer money from your credit card account to any bank account (SEPA) via VÚB Internet/Mobil banking. The transfer is subject to fees according to the current VÚB Price List.

uLekára.sk + Assistance Services

uLekára.sk

Mastercard World premium credit card holders can take advantage of the 24/7 on‑line medical counselling service, completely free of charge, available at all times. Over 350 specialists are available to answer all your questions. This includes consultations on physical as well as mental health. More info on the website here.

Assistance Services

Take advantage of the Mastercard Asistent service – a professional team of assistants is available 24 hours a day, 365 days a year; simply call +421 268 623 288 or e‑mail asistent@mojmastercard.sk.

Flexible Repayments & Instalment Schedule

You may choose how much to repay each month, provided that you pay at least the Minimum Payment by the due date. The Minimum Payment is 3 % of the outstanding balance plus any applicable fees and interest, subject to a minimum of 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, 198 kB] for the Mastercard World credit card.

Plastic-free Card

A card that exists only in digital form in VÚB Mobile Banking.

How to pay with a card without plastic:

At POS terminals in physical stores: simply add it via the VÚB Online banking app to the Google Pay or Apple Pay wallet and pay conveniently with your phone or watch.
Online: in the VÚB Online banking app, you can display all details needed for online payments (full card number, CVC, expiry date) — just click the icon below the card.
You can see how easy it is in the video: Get to know your credit card.

If you forget your PIN code, you can view it in the VÚB Online banking app in the card details.

Basic Product Information

Mar 1, 2025 Základná produktová charakteristika MC World PDF, 213 KB

Need more information?

Contact Service

Do you have questions about the product or need help setting it up? Feel free to contact us.

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