American Express

VUB Bank is currently the only bank offering exclusive credit cards American Express. The American Express credit card is a modern payment tool with internationally validity, and you will automatically get additional functions, services and benefits with the card ...

The American Express credit card can be used in Slovakia and abroad in places marked with the American Express logo.


With the American Express credit card, it is not necessary to have an account at our bank; you do not even need loan collateral by a guarantor. You just need to prove that you are a solvent client able to repay loans.

With the CC, the bank provides a loan limit, which is due once a month - in one installment or in regular monthly installments. Each paid installment renews the loan limit, so the CC can be used for a long time and repeatedly without additional approval processes.

Card offer

American Express Gold

Do you lead a full life? Do you spend lot of time on work and personal trips throughout the world and want to be sure that wherever you are and whatever happens, you have maximum comfort and the best services? The American Express Gold® card provides all of this. American Express Gold® is an embossed credit card that provides a high level of service and care for the holder. It is a prestigious credit card for everyday shopping as well as one-off extraordinary expenses and an ideal companion for traveling abroad.

Benefits of the card:

  • The Select program,
  • “Priority Pass” – entrance to VIP lounges at airports around the world,
  • “Home assistance” – assistance in emergency situations in the household,
  • cashless transactions - purchase of goods and services, purchase of goods and services on the Internet,
  • sms or e-mail notification of each transaction made, statement or installment paid.

Flexible repaying:

The Gold credit card from American Express allows you to repay your loan flexibly, and it is up to you which of the offered methods you choose. Would you like to repay everything at once, or do you prefer a gradual repayment of drawn funds? You just need to pay the minimum monthly instalment of 5% of the outstanding amount and the remaining amount can be spread over gradual installments over a longer period, and each paid installment increases the funds that you can re-draw.

How can I pay the card installments?

  • Through a transfer or a cash deposit. When paying instalments, it is necessary to specify the last 10 digits of your credit card number in the variable symbol. The number of the instalment account is SK64 0200 0000 0020 7586 1955.
  • Through automatic collection of instalments. VUB Bank provides the option to automatically collect the minimum instalment or to collect of 100% of the outstanding amount each month.
Card type Embossed credit card
Loan limit: from € 2,500 to € 20,000
Cash limit: € 2,000
Internet limit: according to the set loan limit and less
Grace period: up to 50 days
Minimum installment: 5% of the outstanding amount
Fee for the card: € 133/year
Basic/sanction interest rate: 16,90%/5,05%
Supplementary card: €50/year
Insurance: Comprehensive travel insurance, insurance of goods protection, insurance of extended warranty

American Express Blue

Do you enjoy traveling and want to feel safe (secure)? With our Blue Card from American Express®, you will get not only travel insurance, but also insurance of purchased goods and extended warranty. Our card will also pamper you when you are travelling. Blue from American Express® is a card that will give you back money from each of your purchase. The card that will protect you at home as well as on holiday. Only the Blue card from American Express® lets you repay as you wish.

Benefits of the card:

  • The “Cash Back" Cash bonus - we will reward you with 0.5% of the purchase price for each purchase paid with the Blue card from American Express. You will get 0.01 point for EUR 0.01 for each purchase you paid for with your Blue card from American Express. Once a year we will credit your card account with the cash bonus for purchases made during the previous 12 months.
  • a grace period up to 50 days for all cashless payments,
  • you decide about repayment of your credit card, however, the minimum amount is 5% of the outstanding amount,
  • the option to pay in Slovakia as well as abroad - a broad acceptance of the card in the world,
  • sms or e-mail notification of each transaction made, statement or installment paid,
  • cash withdrawals from ATMs in Slovakia and anywhere in the world.

Automatic insurance

You will love Blue from American Express not only as a payment tool but also as a reliable partner for trips and holidays abroad:
you just need to make at least one payment with the card per month and you will be insured for the whole year.

  • travel insurance – complex travel insurance for you and your family,
  • insurance of goods protection - goods purchased with your Blue card from American Express are automatically insured against direct physical theft or accidental damage for 90 days.
  • insurance of extended warranty - for electronics purchased with the BLUE card from American Express (primary, supplementary), the client automatically receives additional one year warranty beyond the two-year statutory guarantee
  • the Select program  
    Because we want to offer only the best to our holders of prestigious credit cards American Express, you also have the option to choose from the rich offer of exclusive retailers offering unique benefits and discounts when you pay with the Blue credit card from American Express:
    travel offers, shopping, restaurants

How can I pay the card installments?

  • Through a transfer or a cash deposit. When paying instalments, it is necessary to specify the last 10 digits of your credit card number in the variable symbol. The number of the instalment account is SK64 0200 0000 0020 7586 1955.
  • Through automatic collection of instalments. VUB Bank provides the option to automatically collect the minimum instalment or to collect of 100% of the outstanding amount each month.
Card type Embossed credit card
Loan limit: od 500€ do 9 000€
Cash limit: 500€
Internet limit: podľa stanoveného úverového limitu a nižšie
Grace period: až do 50 dní
Minimum installment: 5% z dlžnej sumy
Fee for the card: 27€/rok
Basic/sanction interest rate: 17,90%/5,05%
Supplementary card:  7€/rok
Insurance: Cestovné poistenie, poistenie batožiny, poistenie ochrany tovaru, poistenie rozšírenej záruky

American Express Gold

Do you lead a full life? Do you spend lot of time on work and personal trips throughout the world and want to be sure that wherever you are and whatever happens, you have maximum comfort and the best services? The American Express Gold® card provides all of this. American Express Gold® is an embossed credit card that provides a high level of service and care for the holder. It is a prestigious credit card for everyday shopping as well as one-off extraordinary expenses and an ideal companion for traveling abroad.

Benefits of the card:

  • The Select program,
  • “Priority Pass” – entrance to VIP lounges at airports around the world,
  • “Home assistance” – assistance in emergency situations in the household,
  • cashless transactions - purchase of goods and services, purchase of goods and services on the Internet,
  • sms or e-mail notification of each transaction made, statement or installment paid.

Flexible repaying:

The Gold credit card from American Express allows you to repay your loan flexibly, and it is up to you which of the offered methods you choose. Would you like to repay everything at once, or do you prefer a gradual repayment of drawn funds? You just need to pay the minimum monthly instalment of 5% of the outstanding amount and the remaining amount can be spread over gradual installments over a longer period, and each paid installment increases the funds that you can re-draw.

How can I pay the card installments?

  • Through a transfer or a cash deposit. When paying instalments, it is necessary to specify the last 10 digits of your credit card number in the variable symbol. The number of the instalment account is SK64 0200 0000 0020 7586 1955.
  • Through automatic collection of instalments. VUB Bank provides the option to automatically collect the minimum instalment or to collect of 100% of the outstanding amount each month.
Card type Embossed credit card
Loan limit: from € 2,500 to € 20,000
Cash limit: € 2,000
Internet limit: according to the set loan limit and less
Grace period: up to 50 days
Minimum installment: 5% of the outstanding amount
Fee for the card: € 133/year
Basic/sanction interest rate: 16,90%/5,05%
Supplementary card: €50/year
Insurance: Comprehensive travel insurance, insurance of goods protection, insurance of extended warranty

American Express Blue

Do you enjoy traveling and want to feel safe (secure)? With our Blue Card from American Express®, you will get not only travel insurance, but also insurance of purchased goods and extended warranty. Our card will also pamper you when you are travelling. Blue from American Express® is a card that will give you back money from each of your purchase. The card that will protect you at home as well as on holiday. Only the Blue card from American Express® lets you repay as you wish.

Benefits of the card:

  • The “Cash Back" Cash bonus - we will reward you with 0.5% of the purchase price for each purchase paid with the Blue card from American Express. You will get 0.01 point for EUR 0.01 for each purchase you paid for with your Blue card from American Express. Once a year we will credit your card account with the cash bonus for purchases made during the previous 12 months.
  • a grace period up to 50 days for all cashless payments,
  • you decide about repayment of your credit card, however, the minimum amount is 5% of the outstanding amount,
  • the option to pay in Slovakia as well as abroad - a broad acceptance of the card in the world,
  • sms or e-mail notification of each transaction made, statement or installment paid,
  • cash withdrawals from ATMs in Slovakia and anywhere in the world.

Automatic insurance

You will love Blue from American Express not only as a payment tool but also as a reliable partner for trips and holidays abroad:
you just need to make at least one payment with the card per month and you will be insured for the whole year.

  • travel insurance – complex travel insurance for you and your family,
  • insurance of goods protection - goods purchased with your Blue card from American Express are automatically insured against direct physical theft or accidental damage for 90 days.
  • insurance of extended warranty - for electronics purchased with the BLUE card from American Express (primary, supplementary), the client automatically receives additional one year warranty beyond the two-year statutory guarantee
  • the Select program  
    Because we want to offer only the best to our holders of prestigious credit cards American Express, you also have the option to choose from the rich offer of exclusive retailers offering unique benefits and discounts when you pay with the Blue credit card from American Express:
    travel offers, shopping, restaurants

How can I pay the card installments?

  • Through a transfer or a cash deposit. When paying instalments, it is necessary to specify the last 10 digits of your credit card number in the variable symbol. The number of the instalment account is SK64 0200 0000 0020 7586 1955.
  • Through automatic collection of instalments. VUB Bank provides the option to automatically collect the minimum instalment or to collect of 100% of the outstanding amount each month.
Card type Embossed credit card
Loan limit: od 500€ do 9 000€
Cash limit: 500€
Internet limit: podľa stanoveného úverového limitu a nižšie
Grace period: až do 50 dní
Minimum installment: 5% z dlžnej sumy
Fee for the card: 27€/rok
Basic/sanction interest rate: 17,90%/5,05%
Supplementary card:  7€/rok
Insurance: Cestovné poistenie, poistenie batožiny, poistenie ochrany tovaru, poistenie rozšírenej záruky

Security

Secure payment in a shop

  • When you pay with your credit card in a shop or in a restaurant, be sure to request confirmation of the transaction made.
  • If a payment with the credit card is unsuccessful, request confirmation of the rejected transaction
  • American Express credit cards are equipped with a chip and a magnetic strip. A transaction at a POS terminal is carried out only using the magnetic strip. Therefore protect it against magnetizing or damage.

Secure payment on the Internet

Protection against Internet scammers

You can claim a card payment in the bank. If you pay with a card and the goods or services have not been provided and the retailer does not respond to your appeals, or refuses to return the payment, you can contact the bank and file a claim.

Do not make online payments with the credit card in public places

If you are in an Internet café, at school, at the airport or other locations used by unknown users, we do not recommend paying online with your credit card. Public computers may contain malicious code that may copy your login information.

Beware of fraudulent e-mails

The most common form of misuse of personal data is the so-called phishing. It is a fake e-mail that looks like an e-mail sent by the bank in an attempt to obtain your personal data. You may receive a suspicious e-mail seemingly sent by VUB Bank requesting your credit card data, such as the card number, expiry date or the CVV2/CVC2 code from the back side of the card. Please know that VUB Bank never asks to send any sensitive data. When you receive such e-mail you receive, please contact us immediately at number *0200.

Rules of safe use of the card

Never write down your PIN code for your debit card

Your wallet or mobile phone with your written PIN code may be stolen. In such case other persons may easily misuse your funds. Remember that in VUB Bank you can change the PIN code for your credit card at any time through an ATM.

Do not share your PIN code with anyone

Do not disclose your PIN code to your family, friends, police or employees of VUB Bank. VUB Bank never asks for information about your PIN code, neither in person nor by e-mail or through the Kontakt service.

Using an ATM

When entering the PIN code to an ATM, shield the keypad with your hand and make sure no other persons stand behind you.
After a successful cash withdrawal, put the card and the cash discreetly back in your wallet before walking away from the ATM.
If the ATM withholds your card or does not dispense the money, contact us at * 0200. Do so before walking away from the ATM.

Cash limit

Decrease the cash limit for your credit card. For increased safety, you can decrease your cash limit for ATM withdrawals in Internet Banking for free at any time. If you need more cash, you can increase the limit in Internet Banking again, up to the limit allowed for your credit card type.

Statements

Regularly check your credit card statements. Statements are available in Internet Banking and you can also set free sending of electronic statements via e-mail. If you suspect that a payment was not made by you, please contact us immediately at number *0200.

Notifications

Set up the SMS or e-mail notification of transactions made with the credit card (except for Flexicard and MasterCard original). In this way you can check all payments made with the card. If you do not recognize the payment specified in the SMS/e-mail, please contact us immediately at *0200. Notifications are commonplace for selected credit cards.

Conditions for obtaining the card

The conditions for issuing the primary credit card:

  • A natural person who is 18 or older
  • Permanent residence in the Slovak Republic
  • Proof of income
    • from employment: it is not necessary to document income, but the employment must last at least three months
    • from entrepreneurship or from freelancing: confirmation of the tax liability, tax return, confirmation of paid tax
    • from abroad: a photocopy of a work permit and an employment contract, proof of income from employment, a bank statement

The conditions for issuing a supplementary card:

  • Consent of the holder of the primary card
  • A natural person who is 15 or older
  • Permanent residence in the Slovak Republic
  • It is necessary to provide 2 identity documents (e.g. ID card, passport, driving licence)

To download

To download PDF
Terms and Conditions of VÚB, a.s. for Issuance and Use of Credit Payment Cards for Natural Persons - Citizens
Payment Calendar

General insurance conditions

Na stiahnutie PDF
General Insurance Conditions for Insurance for VUB Credit Cards – American Express Gold and American Express Blue
Instructions for the Policyholder and Practical Advice for Travelling
Scope of Insurance Coverage
Notification of Loss Covered by the Insurance of Goods Protection for Payment Cards of VÚB, a. s.
Notification of Loss Covered by the Insurance of Extended Warranty for Payment Cards of VÚB, a. s.
Notification of an Insured Event - Travel Insurance
Notification of Loss Covered by the Insurance of Personal Belongings and Assistance Services for Payment Cards of VÚB, a. s.

Interest rates

Credit Card Type Basic interest rate p.a. Sanction interest rate
American Express Blue 17.90% 5.05%
American Express Gold 16.90% 5.05%

Statuses

Na stiahnutie PDF
Statute for the Cash Back Loyalty Program (for American Express Blue Credit Cards)
Statute for Competition “Win One of 200 Travel Vouchers” (for American Express Blue Credit Cards)

FAQ

How to block the card when it is lost or stolen?

To block the card, please report the loss or theft immediately to the 24-hour KONTAKT service, which will ensure its immediate blocking.

Phone number: 0850 123 000 (+421 2 4855 5970 from abroad); if you cannot report the loss or theft, other person may do so.

In addition to usual mandatory data (card number, card validity, control number and cardholder's name), some online shops require also a correspondence address, when shopping. Why the payment is sometimes rejected in such cases?

The payment is rejected due to incorrectly entered correspondence address. When entering the address, always use the form shown in the account statement for your American Express credit card. Pay attention especially to diacritics and the correct form of the postcode which must always be XXX XX, i.e. with a space between the third and fourth digit.

When shopping online, it is necessary to enter a control number. It is usually the number indicated on the signature strip on the back side of the card, immediately after the card number. Why these three digits do not work when paying with the American E

When using American Express cards to shop online, it is necessary to use the four digits (CID) indicated on the front side of your card.

Where can I find the updated list of retailers participating in the American Express Selects program?

To view the updated list of retailers with the description of discounts, visit the "More Information - Selects Program” section of the americanexpress.vub.sk website, or click this link.

Where can I find the updated list of retailers accepting American Express credit cards?

To view the updated list of retailers, visit the “List of Retailers” section of the americanexpress.vub.sk website, or click this link.




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