MasterCard

Credit cards from company MasterCard are suitable for everyday shopping as well as travelling abroad. You can use them in all shops marked with the MasterCard logo. With this card you have permanent access to funds, you pay securely and you are in continuous control of your expenses through delivered SMS or e-mail notifications about each transaction. You can also check your expenses free of charge in your Internet Banking at any time.

Card Offer

MasterCard World

You deserve more with MasterCard World!

Benefits of the card:

  • Loungekey new service since April 2017

    access to VIP airport lounges all over the world.
  • ONLINE card request possibility instead of going to branch office

  • REWARD for payments by card - 100% discount of monthly fee in case sum of all payments per month is more than 500 € or 3 € discount if sum of all payments is more than 300 € per month

  • REWARD for each payment:

    • in hotels & restaurants - 2% cashback of payment value

    • in e-shop - 1% cashback of payment value

    • all other payments - 0,5% cashback of payment value

    • 4% cashback on your birthday

  • REWARDS in MasterCard Priceless Specials program - up to 5% cashback from shopping in selected merchants

  • BENEFITS of MasterCard ELITE membership - you can shop with exclusive discounts, use non-stop phone assistance service (car, medical, concierge, home assistance)

  • Up to 3 SUPPLEMENTARY CARDS for your loved ones free of charge. You can set monthly drawdowns limits for each of them

  • MONEY TRANSFER from a card to any (SEPA) account via Internet or Mobil banking. Unlimited up to the credit limit.

  • Complete and continuous CHECK of everything needed for a credit card in Internet Banking or Mobile Banking - Current Balance, Transaction History, Installments, Regular Account Statement, Card Set Up, SMS / Email Notifications, etc.

Custom installments:

  • 5% minimum installment of the outstanding amount

  • set your own installment in Internet or Mobile banking according to your financial situation

  • revolving loan - how much you pay, you can draw (up to credit limit)

Wide offer of Insurance:

  • CREDIT CARD FRAUD INSURANCE included in card price - coverage of loss up to 100 EUR for loss, misappropriation, misuse of the card by unauthorized persons or unauthorized use of the card up to 24 hours prior to the moment when the theft was reported to VÚB.

  • complex TRAVEL INSURANCE for card holder and 5 fellow travelers who don´t need to be relatives.

  • MERCHANDISE INSURANCE against theft or burglary, accidental damage / destruction of the goods (not by internal defect)

  • 1 YEAR extended WARRANTY for consumer electronics and household appliances (internal defect)  

  • INSURANCE of ability to repay the revolving loan (optional) - don´t worry about unpredictable situations anymore: incapacity for work, job loss, permanent disability or death.

Card type Embossed credit card
Loan limit: from € 1,500 to € 20,000
Cash limit: € 2,000 (7 days cumulative)
Card validity: 3 years
Grace period: 43 days
Minimum installment: 5% of the outstanding amount
Fee for the card: € 8/month
Interest rate: 17.90%
Supplementary card: 3 supplementary cards free of charge, others for € 1/month
Insurance included in price of the card: credit card fraud insurance, accident insurance,  insurance for slovak mountains, merchandise insurance, extended warranty  

MasterCard Standard

An international embossed revolving credit card with the PayPass contactless functionality that can be used in Slovakia and abroad in places marked with the MasterCard logo..

Benefits of the Card:

  • cashless payments at merchandisers via Internet, post or telephone
  • the option to pay in Slovakia as well as abroad - a broad acceptance of cards in the world
  • cash withdrawals from ATMs in Slovakia and anywhere in the world
  • Reward for payments by card - 100% discount of monthly fee in case sum of all transactions per month is more than 300 EUR
  • Reward for card payments on the internet - 1% cashback of each payment in e-shop
  • Rewards in program MasterCard Priceless Specials - discounts and special offers
  • service "Online shopping complaints" - Haven´t you recieved your order? Was it damaged?, defunct?, fake? or not correspond with order? We will resolve your complaint with an online merchant for you!
  • SUPPLEMENTARY CARDS for your loved ones. You can set monthly drawdowns limits for each of them.
  • MONEY TRANSFER from a card to any (SEPA) account via Internet or Mobil banking. Unlimited up to the credit limit.
  • Complete and continuous CHECK of everything needed for a credit card in Internet Banking or Mobile Banking - Current Balance, Transaction History, Installments, Regular Account Statement, Card Set Up, SMS / Email Notifications, etc.

Wide Offer of Insurance:

  • INSURANCE PACKAGE (travel insurance, extended warranty and consumer protection) - possibility to buy for main and supplementary cards
  • CREDIT CARD FRAUD INSURANCE included in card price - coverage of loss up to 100 EUR for loss, misappropriation, misuse of the card by unauthorized persons or unauthorized use of the card up to 24 hours prior to the moment when the theft was reported to VÚB
  • INSURANCE of ability to repay the revolving loan (optional) - don´t worry about unpredictable situations anymore: incapacity for work, job loss, permanent disability or death.

Repayment:

You can repay drawn funds as your circumstances allow, but the monthly instalment must amount to at least 5% of the outstanding amount, and each paid installment will automatically increase the funds you can re-draw.

Card type Embossed credit card
Loan limit: * € 500 - 4,000
Cash limit: ** € 500
Grace period: up to 43 days
Minimum installment: 3% of the outstanding amount
Fee for the card: € 2,50/month
Basic/sanction interest rate 18.90%
Fee for supplementary card: € 0,60/month
Insurance: insurance against payment misuse, insurance of ability to repay the revolving loan

* Tooltip: The loan limit set by the bank, up to the amount of which it is possible to make payments with the primary as well as supplementary cards. It is renewed with each paid installment
** Tooltip: The limit, up to the amount of which it is possible to draw cash within 7 calendar days.

Flexicard

Don't be surprised by amount of monthly payment anymore! Flexicard offers fixed minimum installment. 

Benefits of the card:

  • ONLINE card request possibility instead of going to branch office, no need to have current account in VUB Bank

  • FIXED MINIMUM INSTALLMENT amounting to 1/20 (5%) of the loan limit

  • REVOLVING LOAN - withdraw, repay and redraw again up to the loan limit 

  • REWARDS in MasterCard Priceless Specials program - discounts and special offers

  • FAVOURABLE FEE for withdrawing cash from ATMs of VUB Bank

  • MONEY TRANSFER from a card to any (SEPA) account via Internet or Mobil banking. Unlimited up to the credit limit.

  • Complete and continuous CHECK of everything needed for a credit card in Internet Banking or Mobile Banking - Current Balance, Transaction History, Installments, Regular Account Statement, Card Set Up, SMS / Email Notifications, etc.

Insurance:

  • CREDIT CARD FRAUD INSURANCE included in card price - coverage of loss up to 100 EUR for loss, misappropriation, misuse of the card by unauthorized persons or unauthorized use of the card up to 24 hours prior to the moment when the theft was reported to VÚB

  • INSURANCE of ability to repay the revolving loan (optional). Insurance coverage is up to the amount of the unpaid part of the loan

    1. Basic package- incapacity for work, permanent disability, death
    2. Complex package- incapacity for work, job loss , permanent disability, death

Repayment:

The fixed minimum monthly instalment is 1/20 (5%) of the loan limit. Collection of the minimum instalment from current account (at VUB Bank or other bank in Slovakia) is mandatory for the Flexicard.

 

Card type Embossed credit card
Loan limit: * € 300 - 2,500  
Cash limit: ** € 500
Grace period: 0 days
Minimum installment: 1/20 (5%) of the loan limit
Fee for the card: *** € 1,20/month
Basic interest rate (annual): 21,24 % 
Supplementary card: No
Insurance: credit card fraud insurance, insurance of ability to repay the revolving loan
   

* Tooltip: The loan limit set by the bank, up to the amount of which it is possible to make payments with the primary as well as supplementary cards. It is renewed with each paid installment
** Tooltip: The limit, up to the amount of which it is possible to draw cash within 7 calendar days.
*** Charges only month in which the loan was drawn down or repaid.

MasterCard World

You deserve more with MasterCard World!

Benefits of the card:

  • Loungekey new service since April 2017

    access to VIP airport lounges all over the world.
  • ONLINE card request possibility instead of going to branch office

  • REWARD for payments by card - 100% discount of monthly fee in case sum of all payments per month is more than 500 € or 3 € discount if sum of all payments is more than 300 € per month

  • REWARD for each payment:

    • in hotels & restaurants - 2% cashback of payment value

    • in e-shop - 1% cashback of payment value

    • all other payments - 0,5% cashback of payment value

    • 4% cashback on your birthday

  • REWARDS in MasterCard Priceless Specials program - up to 5% cashback from shopping in selected merchants

  • BENEFITS of MasterCard ELITE membership - you can shop with exclusive discounts, use non-stop phone assistance service (car, medical, concierge, home assistance)

  • Up to 3 SUPPLEMENTARY CARDS for your loved ones free of charge. You can set monthly drawdowns limits for each of them

  • MONEY TRANSFER from a card to any (SEPA) account via Internet or Mobil banking. Unlimited up to the credit limit.

  • Complete and continuous CHECK of everything needed for a credit card in Internet Banking or Mobile Banking - Current Balance, Transaction History, Installments, Regular Account Statement, Card Set Up, SMS / Email Notifications, etc.

Custom installments:

  • 5% minimum installment of the outstanding amount

  • set your own installment in Internet or Mobile banking according to your financial situation

  • revolving loan - how much you pay, you can draw (up to credit limit)

Wide offer of Insurance:

  • CREDIT CARD FRAUD INSURANCE included in card price - coverage of loss up to 100 EUR for loss, misappropriation, misuse of the card by unauthorized persons or unauthorized use of the card up to 24 hours prior to the moment when the theft was reported to VÚB.

  • complex TRAVEL INSURANCE for card holder and 5 fellow travelers who don´t need to be relatives.

  • MERCHANDISE INSURANCE against theft or burglary, accidental damage / destruction of the goods (not by internal defect)

  • 1 YEAR extended WARRANTY for consumer electronics and household appliances (internal defect)  

  • INSURANCE of ability to repay the revolving loan (optional) - don´t worry about unpredictable situations anymore: incapacity for work, job loss, permanent disability or death.

Card type Embossed credit card
Loan limit: from € 1,500 to € 20,000
Cash limit: € 2,000 (7 days cumulative)
Card validity: 3 years
Grace period: 43 days
Minimum installment: 5% of the outstanding amount
Fee for the card: € 8/month
Interest rate: 17.90%
Supplementary card: 3 supplementary cards free of charge, others for € 1/month
Insurance included in price of the card: credit card fraud insurance, accident insurance,  insurance for slovak mountains, merchandise insurance, extended warranty  

MasterCard Standard

An international embossed revolving credit card with the PayPass contactless functionality that can be used in Slovakia and abroad in places marked with the MasterCard logo..

Benefits of the Card:

  • cashless payments at merchandisers via Internet, post or telephone
  • the option to pay in Slovakia as well as abroad - a broad acceptance of cards in the world
  • cash withdrawals from ATMs in Slovakia and anywhere in the world
  • Reward for payments by card - 100% discount of monthly fee in case sum of all transactions per month is more than 300 EUR
  • Reward for card payments on the internet - 1% cashback of each payment in e-shop
  • Rewards in program MasterCard Priceless Specials - discounts and special offers
  • service "Online shopping complaints" - Haven´t you recieved your order? Was it damaged?, defunct?, fake? or not correspond with order? We will resolve your complaint with an online merchant for you!
  • SUPPLEMENTARY CARDS for your loved ones. You can set monthly drawdowns limits for each of them.
  • MONEY TRANSFER from a card to any (SEPA) account via Internet or Mobil banking. Unlimited up to the credit limit.
  • Complete and continuous CHECK of everything needed for a credit card in Internet Banking or Mobile Banking - Current Balance, Transaction History, Installments, Regular Account Statement, Card Set Up, SMS / Email Notifications, etc.

Wide Offer of Insurance:

  • INSURANCE PACKAGE (travel insurance, extended warranty and consumer protection) - possibility to buy for main and supplementary cards
  • CREDIT CARD FRAUD INSURANCE included in card price - coverage of loss up to 100 EUR for loss, misappropriation, misuse of the card by unauthorized persons or unauthorized use of the card up to 24 hours prior to the moment when the theft was reported to VÚB
  • INSURANCE of ability to repay the revolving loan (optional) - don´t worry about unpredictable situations anymore: incapacity for work, job loss, permanent disability or death.

Repayment:

You can repay drawn funds as your circumstances allow, but the monthly instalment must amount to at least 5% of the outstanding amount, and each paid installment will automatically increase the funds you can re-draw.

Card type Embossed credit card
Loan limit: * € 500 - 4,000
Cash limit: ** € 500
Grace period: up to 43 days
Minimum installment: 3% of the outstanding amount
Fee for the card: € 2,50/month
Basic/sanction interest rate 18.90%
Fee for supplementary card: € 0,60/month
Insurance: insurance against payment misuse, insurance of ability to repay the revolving loan

* Tooltip: The loan limit set by the bank, up to the amount of which it is possible to make payments with the primary as well as supplementary cards. It is renewed with each paid installment
** Tooltip: The limit, up to the amount of which it is possible to draw cash within 7 calendar days.

Flexicard

Don't be surprised by amount of monthly payment anymore! Flexicard offers fixed minimum installment. 

Benefits of the card:

  • ONLINE card request possibility instead of going to branch office, no need to have current account in VUB Bank

  • FIXED MINIMUM INSTALLMENT amounting to 1/20 (5%) of the loan limit

  • REVOLVING LOAN - withdraw, repay and redraw again up to the loan limit 

  • REWARDS in MasterCard Priceless Specials program - discounts and special offers

  • FAVOURABLE FEE for withdrawing cash from ATMs of VUB Bank

  • MONEY TRANSFER from a card to any (SEPA) account via Internet or Mobil banking. Unlimited up to the credit limit.

  • Complete and continuous CHECK of everything needed for a credit card in Internet Banking or Mobile Banking - Current Balance, Transaction History, Installments, Regular Account Statement, Card Set Up, SMS / Email Notifications, etc.

Insurance:

  • CREDIT CARD FRAUD INSURANCE included in card price - coverage of loss up to 100 EUR for loss, misappropriation, misuse of the card by unauthorized persons or unauthorized use of the card up to 24 hours prior to the moment when the theft was reported to VÚB

  • INSURANCE of ability to repay the revolving loan (optional). Insurance coverage is up to the amount of the unpaid part of the loan

    1. Basic package- incapacity for work, permanent disability, death
    2. Complex package- incapacity for work, job loss , permanent disability, death

Repayment:

The fixed minimum monthly instalment is 1/20 (5%) of the loan limit. Collection of the minimum instalment from current account (at VUB Bank or other bank in Slovakia) is mandatory for the Flexicard.

 

Card type Embossed credit card
Loan limit: * € 300 - 2,500  
Cash limit: ** € 500
Grace period: 0 days
Minimum installment: 1/20 (5%) of the loan limit
Fee for the card: *** € 1,20/month
Basic interest rate (annual): 21,24 % 
Supplementary card: No
Insurance: credit card fraud insurance, insurance of ability to repay the revolving loan
   

* Tooltip: The loan limit set by the bank, up to the amount of which it is possible to make payments with the primary as well as supplementary cards. It is renewed with each paid installment
** Tooltip: The limit, up to the amount of which it is possible to draw cash within 7 calendar days.
*** Charges only month in which the loan was drawn down or repaid.

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.
  • When paying with a credit card, use the contactless method, if possible. When making a contactless payment, do not let the card out of hand. In this way you can control the whole payment process.
  • If a payment with the credit card is unsuccessful, request confirmation of the rejected transaction.
  • When entering the PIN code to a payment terminal, shield the keypad with your hand. In this way you will prevent other persons from seeing your PIN.
  • If the credit card is misused when making a contactless payment, you are insured with VUB Bank. If the card is misused, we will refund the funds, without participation!

Secure payment on the Internet

3-D Secure

Online shopping involves some risks, but online shopping with the Visa/MasterCard/Maestro credit cards is not only more convenient but also safer. When paying on the Internet with any credit card, you use the 3D - Secure security technology. This service enhances the security of payments in the Internet environment and protects your card against unauthorized use when shopping at all online retailers on whose websites is the MasterCard® SecureCode™/ Verified by VISA logo. The prerequisites are ownership of a credit card and activated Nonstop Banking service.

Internet limit

You can set the Internet limit for online payments with your card in your Internet Banking. If you do not use the card to pay on the Internet at all, you can set the limit to € 0. If you are going to make an online payment, you can increase the limit in Internet Banking and make the payment promptly. You can then decrease the limit at any time.

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.

Rules of safe use of the card abroad

Important contacts

We recommend that you save the number for the Kontakt service from abroad, + 421 2 4855 59 70, to your mobile phone, so you can call us. You can also write us to e-mail address at any time. We are available 24 hours a day, 7 days a week.

It is also important to make sure that we have your current contact information, especially your phone number and e-mail address.

Rules

- Never leave your wallet or purse unattended.
- There are safes available in rooms in selected hotels, where you can safely store your debit card. Ask at the reception desk.
- When making withdrawals from ATMs, never ask strangers for the advice, if you do not speak the language.
- If the debit card is stolen or lost , you can immediately and easily block it in Internet Banking.
- When paying with a debit card in a restaurant, especially abroad, the waiter may take your credit card and make the payment for you. Do not let the waiter with your card out of your sight. When the card is returned to you, please make sure it is really your card.

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

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 Terms and Conditions for Insurance of ability to repay the loan (valid from 22.8.2015)
Framework agreement on Insurance of ability to repay the loan - credit card

General insurance conditions

To download PDF
Generali General Insurance Conditions for Loan Insurance
Generali General Insurance Conditions for Loan Insurance (for Flexicards)
Generali General insurance conditions for holders of MasterCard World cards

Interest rates

Credit Card Type Basic interest rate p.a. Sanction interest rate
Flexikarta 21.24% 5.05%
MasterCard Standard 18.90% 5.05%
MasterCard World 17.90% 5.05%

Statuses

To download PDF
Statute for the Plus Loyalty Program (for MasterCard Standard Credit Cards)
Statute for the Plus Loyalty Program (for MasterCard World Credit Cards)

Benefits

To download PDF
Public promise to obtain a benefit (World MasterCard card payments of 4%)
"Reward Payment" Program

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.




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