VISA credit cards
Pay conveniently and securely with your VISA CREDIT or VISA GOLD credit card in physical stores and online, without incurring additional fees.
| ADVANTAGES OF THE CREDIT CARD | VISA CREDIT | VISA GOLD |
| free credit | up to 51 days | up to 56 days |
| credit limit | up to 20,000 PLN | up to 50,000 PLN |
| contactless transaction | up to 100 PLN | up to 100 PLN |
| card transfers | yes | yes |
| card payments in the country and abroad without fees | yes | yes |
| internet transactions | yes | yes |
| no need to repay the full debt – a minimum repayment is only 3% of the credit limit used each month, not less than 40 PLN | yes | yes |
| option to spread a cashless transaction into installments with a lower interest rate within the “Practical installment” plan | yes | yes |
Contactless transaction – a cashless transaction carried out using a card with a contactless antenna at a service 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 need to confirm the transaction by the cardholder using a PIN code or by signing a receipt from the terminal. It works only for low-value transactions (in the Cooperative Bank in Szczytno up to 100 PLN), and making a transaction of a higher amount requires PIN authorization.
Możliwość niestosowania silnego uwierzytelnienia 3D Secure jest zgodnie z Ustawą o usługach płatniczych dla transakcji internetowych
Wysokość limitów do jakich nie będzie stosowane uwierzytelnienie 3D-Secure
| Pojedyncza transakcja internetowa | 100 PLN |
| Suma transakcji internetowych | 400 PLN |
| Liczba następujących po sobie transakcji internetowych | 5 SZT |
The actual annual percentage rate (APR) is 24.09% for the BPS Visa Credit card. The total amount of the credit limit (without financed costs) is 1,900.00 PLN paid in one go, the total amount to be paid is 3,082.30 PLN, variable interest rate is 17.90%, the total cost of the credit is 1,182.30 PLN (including: interest 1,020.30 PLN, card issuance fee 0 PLN, card fee 162.00 PLN), assuming a one-time credit limit payout, repayment of the debt in 36 equal monthly installments of 81.12 PLN or one-time repayment of 2,920.30 PLN. The calculation was made on 16.04.2025 based on a representative example.
The actual annual percentage rate (APR) is 34.40% for the Visa Credit Gold card. The total amount of the credit limit (without financed costs) is 1,900.00 PLN paid in one go, the total amount to be paid is 3,370.30 PLN, variable interest rate is 17.90%, the total cost of the credit is 1,470.30 PLN (including: interest 1,020.30 PLN, card issuance fee 0 PLN, card fee 450.00 PLN), assuming a one-time credit limit payout, repayment of the debt in 36 equal monthly installments of 81.12 PLN or one-time repayment of 2,920.30 PLN. The calculation was made on 16.04.2025 based on a representative example.