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

Do you like shopping and want to get also other bonuses? With our World MasterCard card, you can get 1% of each your purchase back. And that is not all.
If you use your card to pay for purchases exceeding EUR 500, we will not charge any monthly fee. So you use the card for free. Moreover, you get discounts up to 60% under the Elite program.

Benefits of the card:

  • we will return 1% of each purchase back to you
  • no monthly fees, if you actively use your card for shopping
  • free withdrawals from ATMs in Slovakia and anywhere in the world
  • membership in the Elite loyalty program - you will get benefits such as free entries to the lounges at Prague and Vienna airports and advantageous deals in hotels and restaurants
  • faster and more convenient payments through the contactless PayPass technology
  • up to three supplementary cards that have common limit with the primary card, while also saving 1% of each payment
  • non-stop Alarm centre, personal assistant on the phone on number +421 2 20 90 11 04
  • pay with the MasterCard World card on your birthday and get 4% of the purchase value back

Repayment:

  • Repay the whole drawn amount and make use of the grace period. You have drawn bank’s funds free of charge.
  • Pay the minimum installment, i.e. 5% of the drawn amount.
  • Pay any amount.

Installments trough 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 0017 2088 9957.

Installments 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. You can activate installment collection from a current account at VUB Bank, or from a current account in other bank.

Note: if 100% of the outstanding amount is collected, a fee is charged monthly for sending of a reminder for collection.

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: 43 days
Minimum installment: 5% of the outstanding amount
Fee for the card: € 8 a month
Interest rate: 17.90%
Supplementary card: 3 supplementary cards free of charge, each additional card for € 12
Insurance: accident insurance, mountain insurance, luggage insurance, insurance of goods protection, insurance of contactless payments

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 retailers through 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
  • membership in the Elite loyalty program - you will get benefits such as free entry to the lounges at Prague and Vienna airports and advantageous deals in hotels and restaurants

The Plus loyalty program

It is only necessary to collect 3,000 points during a period specified by the bank, i.e. to make transactions with the credit card (cashless payments at retailers) amounting to at least EUR 3,000, and the annual fee will be returned to the client. To return the annual fee, it is just necessary to make transactions amounting to only EUR 250 per month, and this amount also includes payments made with a supplementary card. Information about obtained points can be found in a monthly statement for the credit card. The period specified by the bank is from the settlement of the annual fee to the settlement of the next annual fee. If the credit card is included in a Flexiaccount, the client will lose all collected points and entitlement to the payment of the bonus.

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: 5% of the outstanding amount
Fee for the card: € 27/year
Basic/sanction interest rate 18.90% / + 5.05%
Supplementary card: € 7/year
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

Do you want funds to purchase goods with fixed monthly instalments? Apply for our Flexicard.
Flexicard is a purchase card, which can be used to draw a loan that is renewed with each paid installment. The bank sets a loan limit for the Flexicard, up to the amount of which all transactions can be made. The card is not linked to a current account.

Benefits of the card:

  • fixed minimum installment amounting to 1/20 of the limit instalment
  • a favourable fee for withdrawing cash from ATMs of VUB Bank
  • insurance of ability to repay the revolving loan
  • VUB Bank provides for the credit card an option to take out insurance of ability to repay the revolving loan
  • the credit card is not linked to a personal or other account at the bank
  • contactless payments using the PayPass technology

Repayment:

The fixed minimum monthly instalment is 1/20 of the loan limit (that is, the loan limit is 20 times the fixed monthly installment) and it is not increased by fees or interests.
Collection of the minimum instalment from a current account (at VUB Bank or other bank in Slovakia) is mandatory for the Flexicard.
The settlement date and due dates are indicated in the current payment calendar HERE. Installment account: SK 12 0200 0000 0015 0505 4156

Card type Embossed credit card
Loan limit: * € 300 - 2,500
Cash limit: ** € 500
Grace period: 0 days
Minimum installment: 1/20 of the outstanding amount
Fee for the card: *** € 1,20
Basic/sanction interest rate: 21,24 % / 5,05% 
Supplementary card: No
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.
*** Účtuje sa len v mesiaci, v ktorom bol úver čerpaný alebo splácaný.

MasterCard World

Do you like shopping and want to get also other bonuses? With our World MasterCard card, you can get 1% of each your purchase back. And that is not all.
If you use your card to pay for purchases exceeding EUR 500, we will not charge any monthly fee. So you use the card for free. Moreover, you get discounts up to 60% under the Elite program.

Benefits of the card:

  • we will return 1% of each purchase back to you
  • no monthly fees, if you actively use your card for shopping
  • free withdrawals from ATMs in Slovakia and anywhere in the world
  • membership in the Elite loyalty program - you will get benefits such as free entries to the lounges at Prague and Vienna airports and advantageous deals in hotels and restaurants
  • faster and more convenient payments through the contactless PayPass technology
  • up to three supplementary cards that have common limit with the primary card, while also saving 1% of each payment
  • non-stop Alarm centre, personal assistant on the phone on number +421 2 20 90 11 04
  • pay with the MasterCard World card on your birthday and get 4% of the purchase value back

Repayment:

  • Repay the whole drawn amount and make use of the grace period. You have drawn bank’s funds free of charge.
  • Pay the minimum installment, i.e. 5% of the drawn amount.
  • Pay any amount.

Installments trough 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 0017 2088 9957.

Installments 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. You can activate installment collection from a current account at VUB Bank, or from a current account in other bank.

Note: if 100% of the outstanding amount is collected, a fee is charged monthly for sending of a reminder for collection.

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: 43 days
Minimum installment: 5% of the outstanding amount
Fee for the card: € 8 a month
Interest rate: 17.90%
Supplementary card: 3 supplementary cards free of charge, each additional card for € 12
Insurance: accident insurance, mountain insurance, luggage insurance, insurance of goods protection, insurance of contactless payments

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 retailers through 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
  • membership in the Elite loyalty program - you will get benefits such as free entry to the lounges at Prague and Vienna airports and advantageous deals in hotels and restaurants

The Plus loyalty program

It is only necessary to collect 3,000 points during a period specified by the bank, i.e. to make transactions with the credit card (cashless payments at retailers) amounting to at least EUR 3,000, and the annual fee will be returned to the client. To return the annual fee, it is just necessary to make transactions amounting to only EUR 250 per month, and this amount also includes payments made with a supplementary card. Information about obtained points can be found in a monthly statement for the credit card. The period specified by the bank is from the settlement of the annual fee to the settlement of the next annual fee. If the credit card is included in a Flexiaccount, the client will lose all collected points and entitlement to the payment of the bonus.

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: 5% of the outstanding amount
Fee for the card: € 27/year
Basic/sanction interest rate 18.90% / + 5.05%
Supplementary card: € 7/year
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

Do you want funds to purchase goods with fixed monthly instalments? Apply for our Flexicard.
Flexicard is a purchase card, which can be used to draw a loan that is renewed with each paid installment. The bank sets a loan limit for the Flexicard, up to the amount of which all transactions can be made. The card is not linked to a current account.

Benefits of the card:

  • fixed minimum installment amounting to 1/20 of the limit instalment
  • a favourable fee for withdrawing cash from ATMs of VUB Bank
  • insurance of ability to repay the revolving loan
  • VUB Bank provides for the credit card an option to take out insurance of ability to repay the revolving loan
  • the credit card is not linked to a personal or other account at the bank
  • contactless payments using the PayPass technology

Repayment:

The fixed minimum monthly instalment is 1/20 of the loan limit (that is, the loan limit is 20 times the fixed monthly installment) and it is not increased by fees or interests.
Collection of the minimum instalment from a current account (at VUB Bank or other bank in Slovakia) is mandatory for the Flexicard.
The settlement date and due dates are indicated in the current payment calendar HERE. Installment account: SK 12 0200 0000 0015 0505 4156

Card type Embossed credit card
Loan limit: * € 300 - 2,500
Cash limit: ** € 500
Grace period: 0 days
Minimum installment: 1/20 of the outstanding amount
Fee for the card: *** € 1,20
Basic/sanction interest rate: 21,24 % / 5,05% 
Supplementary card: No
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.
*** Účtuje sa len v mesiaci, v ktorom bol úver čerpaný alebo splácaný.

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
Všeobecné poistné podmienky pre poistenie schopnosti splácať úver (od 22.8.2015)
Rámcová Zmluva o poistení schopnosti splácať úver – kreditná karta

General insurance conditions

Na stiahnutie 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

Na stiahnutie PDF
Statute for the Plus Loyalty Program (for MasterCard Standard Credit Cards)
Statute for the Plus Loyalty Program (for MasterCard World Credit Cards)

Benefits

Na stiahnutie PDF
Verejný prísľub pre získanie benefitu (za platby kartou MasterCard World vo výške 4%)
Program „Odmena za platby“

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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