A credit card is a payment card issued by a bank that enables payments and cash withdrawals, but unlike a debit card it is not linked to a current account. With a credit card, the client does not use their own funds, but may draw on the bank’s funds up to the limit approved by the bank. A credit card is therefore a lending product from which the holder draws funds. The advantage of credit cards is the interest-free period, during which the cardholder pays no interest if they repay 100% of the outstanding amount by the due date.

Tatra banka provides 3 types of private credit cards: Visa Standard, Visa Gold and Visa Platinum.

There is no fee for issuing a credit card. A monthly fee is charged for maintaining the credit card; the amount is specified in the schedule of fees according to the type of card (Visa Standard / Visa Gold / Visa Platinum).

You can apply for a credit card, and therefore also for approval of a credit limit, through the mobile Application Tatra banka, Internet banking^TB, via the DIALOG Live contact centre or at any Tatra banka branch.

How much of the outstanding amount you repay is up to you. However, by the due date you must pay at least the minimum payment stated in your monthly statement. Anything you wish to pay in addition to that is up to you.

We will send you information about the outstanding amount in the monthly credit card statement, which you can have sent to your e-mail address. You can also find this information in the mobile application under Credit cards – card detail – specific closed cycle.

You can easily repay the outstanding amount on your credit card in the mobile Application Tatra banka, either in the amount of the minimum payment — 5% of the outstanding amount, minimum EUR 15 — in any other amount — at least the minimum payment — or in the full amount outstanding.

Show your Visa Gold or Visa Platinum credit card when entering the VIP lounge and enjoy its comfort together with 1 accompanying person.

The cashback is 10 % of all card payments made, both at home and abroad. The maximum reward amount is 50 EUR. The offer applies to all credit cards arranged digitally for Tatra banka clients and non-clients in the period from 1 July to 31 August 2026. The monitored payment period is from 1 July to 30 September 2026 and the reward will be paid on 1 October 2026. You can find the exact terms and conditions here.

Yes, they can. The process starts in the web interface by clicking Apply for a credit card, where I select “I am not a client”.

The next steps are:

• entering personal details,
• scanning an identity card,
• entering income details.

You will then receive a PID — personal identification number — and set up a password and confirm your consents.

From this point, you will have access to Internet banking and the Tatra banka mobile application, and you can continue with your application or return to it later.