Credit Card
More than credit card
When you pay with our credit card, you will receive additional 12 months of protection for selected goods (mainly electronics) and for a period of 6 months from purchase, insurance against damage, theft and destruction.
For example, if the display of a new mobile phone that you bought with a credit card breaks, all you have to do is call and we will reimburse you for the repair. The insurance protects:
- Mobiles and tablets
- Electronics
- Home appliances
- Tools
Automatic full repayment
You can put paying off your credit card out of your mind. Just tell or text the virtual assistant Kate in the ČSOB Smart app and she will set up an automatic full repayment with a monthly fee according to the applicable tariff. As long as you have enough money left in your account for the next repayment, there's no interest charge.
Rewards for paying
Every time you pay with your credit card, you will receive 0.5% of each payment back to the World of Rewards loyalty programme. This is in the form of points, which you then redeem for discounts and rewards.
You can earn up to 500 points per month, where 1 point = 1 CZK. You can find out how many points you have in online banking and ČSOB Smart or at our ATMs
Up to 55 days interest-free period
With up to 55 days of interest-free borrowing, you can save your own money or send it to a savings account to earn money and pay for everything with your credit card without worry.
The way it works is that everything you buy with your credit card today can be paid for out of your next paycheck, for example.
And if you want to make sure you never forget to pay it back, you can set up an automatic full payment that takes care of everything for you
Transaction and balance information
In the ČSOB Smart app, you can check at any time where you have paid for what, how much is left until the next instalment and how much you can still buy with your credit card. This gives you an overview of everything that is happening with your credit card. In addition, you can set up automatic notifications to alert you directly on the screen, by email or text message.
Your credit card is separate from your current account in online and mobile banking, so you're always in control.
Travel insurance
If you travel more than once or twice a year, take out travel insurance with your credit card. One that pays all the time, all over the world, and often pays much more than one-off policies. Plus, you have less to worry about before each trip.
- It covers risk sports, even skiing and snowboarding.
- Insurance limits up to CZK 100 million
- Can protect the whole family.
A second credit card in case anything happens
You can also have a second card for your partner on one credit account, so you can collect all the benefits together. Keep track of your joint spending in one place.
You can set payment limits for paying in shops and online separately for each card.
How does the credit card work and how much will it cost me?
If you pay off your credit card within the interest-free period, it won't cost you a penny. If you don't, you'll pay 19 crowns in accrued interest for every thousand you borrow for 30 days.
Pricelist
| Selected services | Price |
|---|---|
| Credit card services (monthly)1 | free / 60 CZK |
| Sending statement electronically / by post (monthly) | free / 45 CZK |
| Cash withdrawal from ČSOB ATMs in the Czech Republic and Slovakia, KBC Brussels and CBC (Belgium), K&H Hungary (Hungary), UBB Bulgaria (Bulgaria) | 50 CZK |
1 Charging of the fee is governed by the CSOB Credit Card Benefits Program, available at www.csob.cz/programvyhod
| Current interest rates | Rate |
|---|---|
| Drawdown of credit limit (rate effective from 1 July 2024)* | 22,90% |
| Credit interest rate | 0,00% |
| Statutory default interest | REPO rate of the CNB + 8 % p.a. |
* Announced annual variable interest rate (% p.a.)
The fees listed in this section are excerpted from the full text, which can be found in our Fee Schedule. And we have prepared all the interest rates for you in this summary.
The insurance provider is ČSOB Pojišťovna, a. s.
Documents for download
Remaining documents for download can be found on this webpage (in Czech only).
Representative example
Standard credit card with CZK 40,000 line of credit: floating rate 22.9% p.a., APRC 29.1%, repayment period 12 months, CZK 60 monthly service fee for a credit card connected with an account, CZK 3,806 average monthly instalment, CZK 45,666 total repayment. The actual instalment amount depends on the amount utilised. This is not a proposal to conclude a contract.