Credit Card

Interest-free period up to 55 days

Credit Card Standard

  • Extended warranty insurance +1 year included
  • Arrange a credit card online for free
  • Free insurance of goods
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More than credit card

When you pay with our credit card, you will receive additional 12 months of protection for selected goods (mainly electronics) and for a period of 6 months from purchase, insurance against damage, theft and destruction.

For example, if the display of a new mobile phone that you bought with a credit card breaks, all you have to do is call and we will reimburse you for the repair. The insurance protects:

  • Mobiles and tablets
  • Electronics
  • Home appliances
  • Tools

Automatic full repayment

You can put paying off your credit card out of your mind. Just tell or text the virtual assistant Kate in the ČSOB Smart app and she will set up an automatic full repayment with a monthly fee according to the applicable tariff. As long as you have enough money left in your account for the next repayment, there's no interest charge.

Up to 55 days interest-free period

With up to 55 days of interest-free borrowing, you can save your own money or send it to a savings account to earn money and pay for everything with your credit card without worry.

The way it works is that everything you buy with your credit card today can be paid for out of your next paycheck, for example.

And if you want to make sure you never forget to pay it back, you can set up an automatic full payment that takes care of everything for you

Transaction and balance information

In the ČSOB Smart app, you can check at any time where you have paid for what, how much is left until the next instalment and how much you can still buy with your credit card. This gives you an overview of everything that is happening with your credit card. In addition, you can set up automatic notifications to alert you directly on the screen, by email or text message.

Your credit card is separate from your current account in online and mobile banking, so you're always in control.

Travel insurance

If you travel more than once or twice a year, take out travel insurance with your credit card. One that pays all the time, all over the world, and often pays much more than one-off policies. Plus, you have less to worry about before each trip.

  • It covers risk sports, even skiing and snowboarding.
  • Insurance limits up to CZK 100 million
  • Can protect the whole family.

A second credit card in case anything happens

You can also have a second card for your partner on one credit account, so you can collect all the benefits together. Keep track of your joint spending in one place.

You can set payment limits for paying in shops and online separately for each card.

Want a credit card with your own design? No problem. For a fee, you can design a Mastercard credit card with your own image in our app and have a unique card. Or you can choose one of the ready-made templates. I want Credit Card Image >>

Information for consumers

How does repayment work?

  • If you want to defer repayment, you only need to pay the minimum repayment (5% of the amount drawn down, min. CZK 500).
  • We will charge standard interest on the unpaid portion of the amount drawn down after the end of the interest-free period.
  • You can set up automatic credit card repayments from your current account, so you don't have to worry about repayments and interest at all.
  • You have the right to make full or partial early repayments at any time. Fees associated with early repayment are governed by the applicable fee schedule.
  • You will be charged a late payment interest rate for missed payments, and we have the right to charge you a contractual penalty on the amount you are in arrears. We are also entitled to send you a reminder or demand for payment at any time, subject to a fee according to the price list.
  • Furthermore, we have the right to restrict, suspend, or prevent the withdrawal of funds or to declare all claims from the loan provided as due, in particular if your statements made in the contract and/or the information provided in the application prove to be false, incomplete, or inaccurate, or if you are in default of payment. If you fail to pay your obligations, we are entitled to take legal action to recover the debt.
  • If the information you provided in the contract or application is false, incomplete, or inaccurate, or if you are in default of payment, we have the right to restrict, suspend, or deny the drawing of the loan.

What else you should know

  • We will grant you a loan if you are a natural person with legal capacity and you use it for private (non-business) purposes.
  • Each loan application goes through an approval process, during which we assess your ability to repay it. To assess your creditworthiness, we may require information about your income, expenses, housing, education, employment, and family situation.
  • The exact parameters of the loan are always finalized during the negotiation process and will be specified in the contract, as will the options and conditions for future adjustments. Therefore, always familiarize yourself with your contract and contact us at any time before signing if you have any questions.
  • Disputes arising from consumer credit agreements may be resolved out of court through a financial arbitrator, whose website is www.finarbitr.cz. The supervisory authority is the Czech National Bank.
  • ČSOB does not provide advice on consumer credit in accordance with Section 85 of Act No. 257/2016 Coll. on consumer credit.
  • The product has a variable rate, which may change depending on changes to the Notice on Interest Rates for Deposits and Loans.
  • We provide the credit card without collateral, and you can use the money for anything.
  • We provide the credit card for an indefinite period.

Frequently asked questions

How does the credit card work and how much will it cost me?

If you repay your credit card within the interest-free period, it won't cost you a penny. If you fail to do so, you will pay CZK 19 in interest for every thousand CZK borrowed for a period of 30 days. Representative example

Pricelist

Selected services Price
Credit card services (monthly)1 free / 60 CZK
Sending statement electronically / by post (monthly) free / 45 CZK
Cash withdrawal from ČSOB ATMs in the Czech Republic and Slovakia, KBC Brussels and CBC (Belgium), K&H Hungary (Hungary), UBB Bulgaria (Bulgaria) 50 CZK

1 Charging of the fee is governed by the CSOB Credit Card Benefits Program, available at www.csob.cz/programvyhod

Current interest rates Rate
Drawdown of credit limit (rate effective from 1 July 2024)* 22,90%
Credit interest rate 0,00%
Statutory default interest REPO rate of the CNB + 8 % p.a.

* Announced annual variable interest rate (% p.a.)

The fees listed in this section are excerpted from the full text, which can be found in our Fee Schedule. And we have prepared all the interest rates for you in this summary.

The insurance provider is ČSOB Pojišťovna, a. s.

Do you need to ask a question?

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Documents for download

Remaining documents for download can be found on this webpage (in Czech only).

Representative example

Standard credit card with CZK 40,000 line of credit: floating rate 22.9% p.a., APRC 29.1%, repayment period 12 months, CZK 60 monthly service fee for a credit card connected with an account, CZK 3,806 average monthly instalment, CZK 45,666 total repayment. The actual instalment amount depends on the amount utilised. This is not a proposal to conclude a contract.