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Money available at any time

With a credit card, unlike with a debit card,
you pay using credit limit.

You can pay at merchants’ or on the Internet or withdraw cash from an ATM
even if you do not have sufficient funds in your current account.

 Bezúročné obdobie

Interest-free period for non-cash card payments
up to 50 days

 Zľava z poplatku

Up to 100% fee discount
for active usage of the card

 Revolvingový úver

Revolving loan – what you repay can be re-drawn

 S prípadnou reklamáciou online nákupov vám pomôžeme

We will help you with claims of online purchases

Overview of our credit cards

Mastercard Standard

Mastercard Standard

Embossed card

Card to cover unexpected expenses
or something extra.

Credit limit

500 – 4 000 €

Interest-free period

43 days

Interest rate

18,90 %

Maximum daily limit for cash withdrawals

500 €

Validity

3 years

Exclusive benefits to Mastercard Standard

Get rewards from every purchase on the Internet. Get above-standard travel insurance all over the world, insurance of protection of goods and extended warranty of purchased goods for an annual fee. In addition to travel insurance, you can also set up an insurance of the ability to repay the loan – credit card.

Mastercard World

Mastercard World

Embossed card

Discover the benefits of a world-class credit card
Get rewards from every purchase on the Internet.

Credit limit

1 500 – 20 000 €

Interest-free period

43 days

Interest rate

17,90 %

Maximum daily limit for cash withdrawals

2 000 €

Validity

3 years

Exclusive benefits to Mastercard Standard

Get rewards from every purchase on the Internet. Free above-standard travel insurance all over the world, insurance of protection of goods and extended warranty of purchased goods. You can also set up insurance of the ability to repay a loan – credit card.

Šikovná karta

Šikovná Card

Embossed card

Credit card
with a fixed monthly instalment

Credit limit

300 – 5 100 €

Interest-free period

50 days

Interest rate

21,24 %

Maximum daily limit for cash withdrawals

1 000 €

Validity

3 years

Exclusive benefits to Šikovná Card

Get rewards from every purchase on the Internet. You can also set up insurance of the ability to repay a loan – credit card.

Additional cards can also be requested for each credit card and used in the family together.

Common benefits of our credit cards

Special offers for credit card holders

Take full advantage of your card with special offers.

GET SPECIAL  
OFFERS AND EXCLUSIVE
DISCOUNT COUPONS

Ever new attractive discounts and promotions from popular traders, discounts on accommodation or car rentals.

DISCOVER THE WORLD  
OF POSSIBILITIES
WITH PRICELESS CITIES

Unique cultural events,
hidden architectural gems, and the best restaurants in cities around the world.

Flexibilita

Flexibility in
payment and repayments

Transfer from card

Transfer money from a credit card account to any (SEPA) account via Internet banking or VÚB Mobile Banking.

Online installment

An instalment sent from a VÚB account via Internet/Mobile Banking is credited immediately to the credit card.

Zľavy a odmeny

Discounts and rewards

Discounts on purchases

Take advantage of the many exclusive discount coupons you'll find atwww.mojmastercard.sk

Rewards for online purchases

Get 1% back from online purchases.

Bezkontaktné platby

Contactless payments

Contactless card payments

Just put your card to the payment terminal. No need to enter a PIN for payments up to €50.

Contactless mobile or phone payments

ApplePay and Google Pay

Pay with Apple Pay and Google Pay by adding a credit card directly through the mobile app.

Bezpečné online nakupovanie

Safe
online shopping

Safe thanks to 3D secure

You additionally confirm card payments on the Internet with the 3D security feature which is part of our Nonstop banking service. Learn more about using 3D Secure..

Lost card is not an issue

In case of card misuse (unauthorized use, i.e. without the use of PIN), we will also refund losses beyond the law.
You can also claim undelivered online order or cancellation of booked accommodation or flight. More at www.bezpecnenakupy.sk

Frequently asked questions

What's the difference between a debit card and a credit card?

  • When you pay with a debit card, you use your own funds.
    When paying by credit card, you do not use your funds, but the bank's funds.
  • The debit card is automatically issued to an account, the credit card must be requested.

How to get a credit card free of charge?

You can easily get a discount up to 100% by using your credit card regularly. You can find out more in Reward for Payments programme rules.

How do I set limits or block a card?

You can easily set a payment limit via Internet banking or via the VÚB Mobile banking app. Clear instructions for setting the limit can be found HERE. Learn how to block your card HERE.

What can I set up online?

You always have your cards under control in our mobile application and Internet banking. You can set limits on payments and withdrawals, temporarily deactivate your card, or add it to Google Pay and Apple Pay.