Mastercard APIS and Mastercard APIS Elite credit cards - Bank Spółdzielczy w Szczytnie

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Mastercard APIS Mastercard APIS Elite
Mastercard APIS

Mastercard APIS and Mastercard APIS Elite – more than a credit card

Comfort, security, and prestige.

The credit cards Mastercard APIS and Mastercard APIS Elite are modern payment solutions designed for individual customers who seek convenience, security, and access to premium services – in Poland and worldwide.

    • free credit up to 56 days
    • free cashless transactions at home and abroad
    • ability to set individual transaction limits
    • maximum credit limit :
      • up to 100 000 PLN for the APIS card
      • up to 150 000 PLN for the APIS Elite card
    • card handling is free, provided there is active usage – if in the previous year the total value of transactions made with the card was:
      • at least 24 000 PLN – for the Mastercard APIS card
      • at least 36 000 PLN – for the Mastercard APIS Elite card
    • the card is sent to you by courier, which means you receive the card without needing to visit a postal facility – convenient and efficient delivery

The actual annual percentage rate (APR) is 24.00 % for the Mastercard APIS credit card. The total credit limit amount (excluding financed costs) is 6,700.00 PLN disbursed in one installment, the total amount to be paid is 8,949.47 PLN, variable interest rate is 14.90%, the total credit cost is 2,249.47 PLN (including: interest 1,649.47 PLN, card issuance fee 0 PLN, annual card fee 200.00 PLN - charged for the three-year term of the agreement), assuming one-time disbursement of the credit limit, repayment of debt in 36 monthly equal installments of 231.93 PLN or one-time repayment of 8,349.47 PLN. The calculation was made on January 15, 2026, based on a representative example.  

The actual annual percentage rate (APR) is 25.77 % for the Mastercard APIS Elite credit card. The total credit limit amount (excluding financed costs) is 14,000.00 PLN disbursed in one installment, the total amount to be paid is 18,946.65 PLN, variable interest rate is 14.90 %, the total credit cost is 4,946.65 PLN (including: interest 3,446.65 PLN, card issuance fee 0 PLN, annual card fee 500.00 PLN - charged for the three-year term of the agreement), assuming one-time disbursement of the credit limit, repayment of debt in 36 monthly equal installments of 484.63 PLN or one-time repayment of 17,446.65 PLN. The calculation was made on January 15, 2026, based on a representative example.