Visa Standard Private credit card
Activate the My Benefit service and earn with your credit card.
100 % discount on the service charge with the Reward ProgramTB
Interest-free period of up to 47 days
Option to enter payment orders
E-mail statement
Benefits of the credit card
Fulfil your plans and dreams instantly with a credit card full of benefits:
- The Reward ProgramTB will guarantee a discounted fee. For charges of €150 or more you get a 50 % discount on the monthly credit card fee. For charges of €300 or more you get a 100 % discount.
- This card will help you on trips at home and abroad. Book flight tickets, a hotel room or a rental car with the card simply and quickly. It is accepted in more than 200 countries worldwide.
- Unique travel insurance will particularly please those who want to travel without worries on holidays, business or shopping trips abroad. In cooperation with UNIQA insurance company, we offer you annual travel insurance for ONLY €30. It is accepted in more than 200 countries around the world, with one trip lasting up to 90 days and the insurance also covers your traveling family members.
- Flexible repayments. You decide how much of the borrowed amount, in addition to the minimum instalment, you want to pay and in what form: direct debit, payment order or a cash deposit.
- An e-statement to your e-mail address will provide you with a regular overview. You decide if you need a printed version, or an electronic PDF version of your statement.
- A payment order will allow you to pay invoices or transfer funds to your current account with Tatra banka or an account with any other bank in Slovakia, simply and quickly.
- Limit Alert allows you to set your own limit of monthly drawdown of funds on your credit card. After you reach this limit, we will notify you via b-mail.
Details
- Total credit limit EUR 400 – EUR 5,000
- Interest rate 18.8 % p. a.
- Interest-free period for up to 47 days
- The minimum instalment is 5% of the amount owed (at least EUR 15)
- Monthly card fee EUR 2.50
- Monthly additional card fee EUR 0.50
- Optional comprehensive travel insurance for the cardholder and traveling family members*
*A spouse or partner of the cardholder up to 65 years old and children of the cardholder up to 18 years old, if traveling together with the cardholder.
A Visa standard private card gives you freedom and the opportunity to fulfil everything you want.
In the case of fulfilling conditions of the Reward ProgramTB and subject to monthly payment of the sum due not later than on the due date, APRC will be 0.00 %. Provided that the credit facility is spent immediately via the POS terminal and the subsequent repayment of only a minimum instalment of 5% of the due amount - at least EUR 15, the client will have to pay the total sum in the amount: EUR 1 033,72. Parameters used to calculate an example:total credit facility: EUR 650, card type: Visa Standard Private, monthly fee for the main card: EUR 2,50, variable amount of the standard interest rate: 18,80%, APR: 30,32%, maturity period: 12 months.
Who the card is for?
The Visa standard private credit card is designed for individuals with a permanent residence in the Slovak Republic from the age of 18 on the application date.
To get a card, we just need a few important details from you depending on whether you are:
- An employee – you must submit proof of your solvency and continued employment for at least three months before filing the application for the credit card. It is important that employment is confirmed by your employer.
A natural person – entrepreneur – you must submit proof of your trade license in the Slovak Republic, valid for at least two years, before filing an application for the credit card. You must prove your solvency by submitting proof of your income from business activities for the previous year, confirmed by the competent authorities.
A card for your relative
With a Visa standard private credit card, you can also apply for an additional private credit card.
To issue the card, Tatra banka will need:
- consent of the total credit limit holder, who will define the credit limit for the additional card,
- the age of the additional future cardholder (at least 15 years old)
Important:
To get a credit card, you are not required to have an account with Tatra banka.
My Benefit
My Benefit is a programme which helps you get attractive discounts with selected vendors:
- The offer of discounts is available in your MobilePayTB application in card detail, section My Benefit
- To get a discount, just click on the offer and activate it
- After you activate the offer, just pay the whole sum by using your credit card with the selected vendor (applies to payment by both MobilePayTB application and plastic card)
- Overview of all savings is available in MobilePayTB application
- You get savings with your main and additional cards for payments with vendors you select
- The overall sum you save will be credited until the 15th day of the following month to your credit card account.
Frequently asked questions:
Activation of My Benefit programme only requires granting your consent when it is first launched. We will ask for this consent when you open My Benefit for the first time in your credit card detail in MobilePayTB application.
Getting a discount requires activation of the offers you want to use:
- enter the credit card detail by clicking on its picture
- select My Benefit functionality
- list of all offers available will be loaded
- activate the offers you intend to use by simply clicking on the button “Activate”
Then just pay for what you buy with your credit card. You need no vouchers, coupons or loyalty cards.
You can check how much you saved up for your shopping in section My Savings in My Benefits.
No charges are applied. It is sufficient to have a credit card from Tatra banka and activate the discounts you want to use, in My Benefit in MobilePayTB application.
You can activate the discount also immediately before shopping, for instance when you are waiting in a queue for paying.
You do not need to identify yourself with a card, vouchers or discount coupons to get a discount. It is enough if you pay with your credit card.
The savings will be credited to the card account whereto the credit card has been issued. Credit for all savings obtained during one month will be credited to the card account by the 15th day of the following calendar month.
No limit has been set for the amount of the paid savings.
Several days might pass since your purchase until payment processing therefore you will not see the obtained saving earlier than after several days. Credits for all savings obtained in one month will be credited to the card account whereto the card has been issued, until the 15th day of the following calendar month.
In case you have met all the conditions and your savings were not credited to the card account in spite of this fact, contact us by means of our DIALOG Live contact centre.
In case you have returned the goods you used the discount for in terms of My Benefit, this discount will be withdrawn. This means that we will reduce the amount of credited savings in the following month. If the amount of new savings is lower than the amount of savings belonging to the returned goods, you will see negative value in My Savings.
You activate the offer only once and you can use it repeatedly as many times as you want until its validity expires (unless otherwise specified in the particular offer).
Leave your telephone number and we will contact you
https://www.tatrabanka.sk/en/personal/cards/visa-standard-private/