MasterCard Credit Cards
Pay conveniently and securely with your MasterCard Credit or World MasterCard credit card in physical stores and online, without incurring additional fees.
| ADVANTAGES OF THE CREDIT CARD | MasterCard Credit | World MasterCard |
| free credit | up to 51 days | up to 56 days |
| credit limit | up to 20,000 PLN | up to 50,000 PLN |
| transaction without PIN | up to 100 PLN | up to 100 PLN |
| card transfers | yes | yes |
| card payments in the country and abroad without fees | yes | yes |
| online transactions | yes | yes |
| no need to repay the entire debt – the minimum repayment is only 3% of the utilized card limit monthly, no less than 40 PLN | yes | yes |
| possibility to spread cashless transactions into installments with lower interest rates under the "Practical Installment" plan | yes | yes |
Contactless transaction – a cashless transaction made using a card with a contactless antenna at a service and retail point equipped with a POS terminal with a contactless reader. It involves making a payment by bringing the card close to the contactless reader without the cardholder needing to confirm the transaction using a PIN code or by signing the receipt from the terminal. It only works for low-value transactions (at the Cooperative Bank in Szczytno up to 100 PLN), making a transaction of a higher amount requires PIN authorization.
The possibility of not applying strong authentication 3D Secure is in accordance with the Payment Services Act for online transactions
The limit amounts below which 3D-Secure authentication will not be applied
| Single online transaction | 100 PLN |
| Total of online transactions | 400 PLN |
| Number of consecutive online transactions | 5 PCS |
The actual annual percentage rate (APR) is 24.09% for the MasterCard Credit card. The total credit limit amount (excluding financed costs) is 1,900.00 PLN paid out in one lump sum, the total amount to be paid is 3,082.30 PLN, variable interest rate of 17.90%, total cost of credit 1,182.30 PLN (including: interest 1,020.30 PLN, card issuance fee 0 PLN, card fee 162.00 PLN), assuming a one-time withdrawal of the credit limit, repayment of the debt in 36 equal monthly installments of 81.12 PLN or a one-time repayment of 2,920.30 PLN. The calculation was made on April 16, 2025, on a representative example.
The actual annual percentage rate (APR) is 34.40% for the World MasterCard Credit card. The total credit limit amount (excluding financed costs) is 1,900.00 PLN paid out in one lump sum, the total amount to be paid is 3,370.30 PLN, variable interest rate of 17.90%, total cost of credit 1,470.30 PLN (including: interest 1,020.30 PLN, card issuance fee 0 PLN, card fee 450.00 PLN), assuming a one-time withdrawal of the credit limit, repayment of the debt in 36 equal monthly installments of 81.12 PLN or a one-time repayment of 2,920.30 PLN. The calculation was made on April 16, 2025, on a representative example.